The insurance sector has a fixed and absolute vision of the risks and the ways people must protect themselves. These assumptions shape insurance products and the relationship that insurance has with individuals. Yet, the ways people protect themselves are multiple and deserve to be studied. Are risk perception and protection practices in line with insurance assumptions? These lessons come from our investigation of risk perception and protection.
The first actors in their protection are the individuals themselves: protection is not the insurance’s prerogative. The perception of risks, structured by individual history and situations experienced, shapes the way individuals protect themselves. Insurance is only one of these ways. And rather than relying on it, individuals are often more inclined to mobilize money and behaviors.
The field survey was conducted during the summer and autumn of 2015 through in-depth interviews with around twenty people. It was completed by participant observations on "at risk" sport practice sites. The panel consisted of diverse profiles, with strong differences in age, life cycle, level of income and wealth, marital status, area of residence and degree of risk exposure.