This paper investigates the predictors of trust in insurance and the importance of experiences in a cross‐country setting using a recent insurance industry survey conducted in seven industrialized countries. Preliminary data analysis reveals a very high prevalence of bad experiences with insurance whereby more than 50% of respondents acknowledge having had a bad experience with insurance. Our main findings show that experiences with insurance are one of the most important factors influencing trust in insurance, with the negative effect of a bad experience being more pronounced than the positive effect of a good experience. We also find that trust in insurance is higher among females, younger and less educated individuals, while being lower among individuals with higher insurance literacy. Additionally, access to insurance information through the internet is associated with lower trust in insurance, while higher trust is observed among individuals using newspapers and magazines.

中文翻译：

---

信任保险：经验的重要性

本文使用最近在七个工业化国家进行的保险业调查，调查了对保险信任的预测因素以及在跨国环境中经验的重要性。初步数据分析显示，不良保险经验非常普遍，据此，超过50％的受访者承认曾有不良保险经验。我们的主要发现表明，保险经验是影响对保险信任的最重要因素之一，不良经验的负面影响比良好经验的正面影响更为明显。我们还发现，女性，年轻和文化程度较低的个人对保险的信任度较高，而具有较高保险素养的个人对保险的信任度较低。此外，