Determination of the factors affecting the perception of insurance and insurance company: Düzce Univercity example

In this study, the affecting factors making car insurence and the choice of insurance company of the academic and administrative staff in Düzce University, were examined. The effects of the preferences of the academic and administrative staff were investigated on demographic characteristics. Data were collected from 271 people involved in this study. Data were obtained by face to face survey technique. The scale used to reveal the factors that are effective on the participants' insurance preferences; explanatory factor analysis was applied and the data were summarized. Factors influencing participants' insurance preference; service and opportunity, confidence (security need), preference and assurance are summarized in four dimensions. According to the results of the study; It is observed that the owners of vehicles and the factors that have the highest score of service and facility factor have the highest average among the four factors affecting the choice of company and insurance company. Similarly, the factor of choice has the lowest mean score. In addition, it was found that the factors that are effective in insurance preference did not differ according to the demographic characteristics of the participants. Besides,there is no difference between the attitudes towards insurance and whether or not to have an insurance. Based on these findings, in result of the research, suggestions were made for the insurance companies.