A STUDY ON THE FACTORS AFFECTING THE INSURANCE COMPANY PREFERENCES OF INSURANCE AGENCIES IN TURKEY

Abstract

The largest portion of insurance premiums collected in Turkey is provided by insurance agencies. Insurance agencies are required to sign an agency contract with an insurance company within the 6 months they receive official authorization and start writing insurance policies. Insurance agencies are allowed to sign agency contracts with several insurance intermediaries. This study aims to identify the factors affecting the insurance company preferences for insurance agencies operating in Turkey. Research data was collected from 49 insurance agencies operating in the city center of Çorum using face-to-face interview and survey methods. Results were investigated for factors such as financial aspects, satisfaction and communication. According to the findings of this study, insurance companies' ability to pay the claims of policyholders, financial opportunities provided to the agent, the assistance provided, and the communication level are the main factors affecting the insurance company preferences of insurance agencies.

Keywords

• Insurance, Insurance Distribution Channels, Insurance Agency, Issues Facing Insurance Agencies

References

1. Baltensperger, E. And F. Bodmer. (2011). “The Social and Economic Value of Insurance: A
2. Primer”, http://www.zurich.com/internet/main/SiteCollectionDocuments/insight/social-and- economic-value.pdf (Erişim Tarihi: 16.05.2015)
3. Büyüközürk, Ş. (2014) Sosyal Bilimler İçin Veri Analizi El Kitabı(19.Baskı), Pegem Akademi Yayıncılık, Ankara.
4. Çekici, M.E., İnel, M.N. (2013) Türk Sigorta Sektörünün Direkt Prim Üretimlerinin Tahmin
5. Teknikleri ile İncelenmesi, Marmara Üniversitesi İİBF Dergisi, Sayı I, Sayfa 135-152
6. Dorfman, M. (2002). Introduction to Risk Management and Insurance, (Seventh edition). New
7. Jersey: Prentice Hall. Gümüş, S., Uzun, M.S. (2012) Türk Sigorta Sektörünn Analizi ve Banka Kaynaklı sigorta
8. Pazarlaması, Hiperlink Yayınları, İstanbul. Insurance Europe. (2012). “How insurance Works”, http://www.insuranceeurope.eu/uploads/Modules/Publications/how-insurance-works.pdf, 05.2015

9. İstanbul Ticaret Odası (2004) Sorularla Acentelik ve Distribütörlük Kılavuzu, İstanbul Ticaret
10. Odası Yayını, Sayı 2004-58, İstanbul.
11. İstanbul Ticaret Odası (2008) Sigorta Sektörünün Sigorta Düzenleme ve Denetleme Yasası'ndan
12. Beklentileri ve Vergi Problemleri, İstanbul Ticaret Odası Yayını, Sayı 2008-25, İstanbul.
13. Kaya, E.Ö., Tokay, S.H., Kaya, B. (2014) Sigorta Sektöründe Sermaye Yeterliliği ve Türk sigorta
14. Sektörünün Solvency II kapsamında Dğerlendirilmesi, Muhasebe ve Finansman Dergisi, Sayı 63, Sayfa 109-138
15. Rejda, G.E. (2008). Principles of Risk Management and Insurance. Addison Wesley.
16. Sigorta Acenteleri Yönetmeliği, Yayınlanan Resmi Gazete: 28980, Yayınlanan Tarih: 22.4.2014
17. Tekin, H. (2009) Eğitimde Ölçme ve Değerlendirme. 23. Baskı, Yargı Yayınevi, Ankara.
18. Türkiye Sigorta Birliği (2008), Türkiyede Sigortacılık, http://www.tsb.org.tr/turkiyede- sigortacilik.aspx?pageID=439,
19. Türkiye Sigorta Birliği, Genel Sigorta Verileri, (2015), (http://www.tsb.org.tr/resmi- istatistikler.aspx?pageID=909) (Erişim Tarihi: 05.05.2015)
20. Türkiye Sigorta Birliği (2013) Faaliyet Raporu-2013 http://www.tsb.org.tr/Document/Yayinlar