Article Title

The sociodemographic indicators of travel insurance fraud: motivations, emotions, and behaviours

Authors

Gonzalo Díaz-Meneses

Abstract

This work centres on the study of travel insurance fraud, with the aim of identifying the psychographic and behavioural responses involved in claiming an insurance policy through simulating injury or loss. To be specific, five types of motivation (fun, compensation, revenge, profitability, and family interest), nine types of emotion (love, surprise, disgust, anger, shame, sadness, trust, fear, and pride), and three types of behaviour (without personal damages, at destination, and with personal damages) have been found to be related to travel insurance fraud. In order to facilitate the detection of dishonest claims, the relationship between these psychographic, as well as behavioural features, and four sociodemographic variables, have been visualised - principally gender, age and education, and, to a lesser extent, income. Therefore, the results of the empirical survey carried out on a sample of 334 travel insurance policy holders and following a snow ball procedure not only give insight into dishonest motivations and conduct, but also make it possible to detect this kind of fraud.

Recommended Citation

Díaz-Meneses, Gonzalo (2017) "The sociodemographic indicators of travel insurance fraud: motivations, emotions, and behaviours," Irish Business Journal: Vol. 10: No. 1, Article 5.
Available at: https://sword.cit.ie/irishbusinessjournal/vol10/iss1/5