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The B.E. Journal of Economic Analysis & Policy Contributions Volume 7, Issue 1 2007 Article 50 The Unpleasant Effects of Price Deregulation in the European Third-Party Motor Insurance Market: A Theoretical Framework Domenico Scalera∗ Alberto Zazzaro† ` ∗University of Sannio, †Universita Politecnica delle Marche, Recommended Citation Domenico Scalera and Alberto Zazzaro (2007) “The Unpleasant Effects of Price Deregulation in the European Third-Party Motor Insurance Market: A Theoretical Framework,” The B.E. Journal of

minimum efficient scale level for all insurers; rather, it is contingent on the insurer's degree of line-of-business diversification and vice versa. I also find that costs for newly consolidated insurers and motor insurance are relatively higher and fail to find evidence that foreign-owned insurers or foreign joint venture insurers are more cost efficient. KEYWORDS: economies of scale, expense ratio, line-of-business diversification, Malaysian non-life insurance Author Notes: The author wishes to thank the journal referees, Editor, Yumoto Yuji, and Marc Bremer for

tractor and tank semitrailer unit). The 2 nd Scientific and Technical Conference “Rozwój techniki samochodowej a ubezpieczenia komunikacyjne (Development of automotive technology vs motor insurance)” Radom, 16-17 June 2004 pp. 99-109. Lozia Z, Cup A, Mitraszewska I, Piętka T, Więckowski D. (2010) Wymagania minimalne dla „symulatorów wysokiej klasy” stosowanych w szkoleniu kierowców (Minimum requirements for “top-of-the-range simulators” used for drivers training). Logistyka 4/2010, CD1.

). European Motor Insurance Markets, Addendum , [Accessed 15.04.2017], Available from Internet: Jędrzychowska A. & Poprawska E. (2016a). Analysis of the Problem of Determining Loss of Income and Sources for their Financing. The Case of Personal Injuries Caused in Traffic Accidents, Transformations in Business & Economics . (38A), 329-353. Jędrzychowska A. & Poprawska E. (2016b). ‘Is the minimum amount of coverage from motor third party liability insurance enough to

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with Cambridge mobile telematics to develop real-time accident management solution: Internet of Things solution measures traflc collision impact, connects drivers with roadside assistance within seconds of an accident, Automotive Industries AI, 2016, 3 [11] Husnjak S., Peraković D., Forenbacher I., Mumdziev, M., Telematics system in usage based motor insurance, Procedia Engineering, 2015, 100, 816-825 [12] Rosinski A., Rationalisation of the maintenance process of transport telematics system comprising two types of periodic inspections, Advances in Intelligent

a market segmentation problem with multiple attributes, European Journal of Operational Research, 261(1), 75-87. Kiang M.Y., Hu M.Y., Fisher D.M. (2006) An extended self-organizing map network for market segmentation - a telecommunication example, Decision Support Systems, 42(1), 36-47. Kotler P., Armstrong G. (2010) Principles of marketing, Pearson Education. Insurance Fraud Bureau, 2015. Cutting corners to get cheaper motor insurance backfiring on thousands of motorists warns the ABI. [Interactiv] Available at: https

Collisions. Accident Analysis and Prevention , 41. 22. Wach, W. (2003) Analiza deformacji samochodu według standardu CRASH3. Część 2: Pomiar głębokości odkształcenia (Analysis of motor vehicle deformation according to the CRASH3 standard. Part 2: Measurement of deformation depth). Paragraf na Drodze No. 12. 23. Wicher, J. (2006) Energetyczne metody analizy, Scientific and Educational Conference “Development of automotive engineering versus motor insurance”, Radom.

gather opinions from consumers and businesses on the review of Directive 2009/103/EC on motor insurance, which is available at: – The European Commission adopted the 2017 edition of the Consumer Conditions Scoreboard, which is available at: 3 Access to Justice – The European Commission launched a public consultation on current practices on cross-border access to electronic evidence, which is available at: https

.10.2009, 11–31. 14. Liikluskindlustuse seadus (Motor Insurance Act) . RT I, 11.04.2014, 1; RT I, 13.03.2019, 2 [in Estonian; unofficial English translation available at: ]. 15. Liiklusseadus ( Traffic Act ). RT I 2010, 44, 261; RT I, 15.03.2019, 1. Riigi Teataja (State Gazette) [in Estonian; unofficial English translation available at: ]. 16. Straßenverkehrsgesetz ( Road Traffic Act ). Last amended 4.12.2018 I 2251 // https