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2. 1. ) Finally, research 4 and surveys – see hereinafter – have found that individuals often remain passive about decisions to be made to best handle their risk exposure. To that effect, it may not be enough to provide education to individuals to increase their awareness of risks and ways to prevent and cover them. The challenge rests in seeking solutions to incite them to change their behaviour, to enforce proper mitigation measures and to actively seek and get coverage in accordance with their risk exposure and vulnerability.

Comparisons between insurance providers and products sold are also often made available from various sources, including supervisory authorities (the UK FSA), financial analysts and rating agencies17 – in New Zealand they are government-approved. Information about the statutory and contractual rights and obligations of consumers and insurers within each jurisdiction is often provided by public authorities through the insurance regulatory and supervisory authority’s website. More detailed information is usually available concerning compulsory insurance and the content of such policies (see the following section).

Respective roles of this wide range of stakeholders largely depend on jurisdictions’ circumstances and assessments of the particular needs, if any, of households and individuals. In general, the provision of objective information and advice relative to the subscription and functioning of insurance products and policies is mainly a task for insurers and intermediaries. The objective of raising awareness of risks, the need for protection against some of the most damaging and/or illcovered risks, or of particular types of insurance policies, as well as the strengthening of consumers knowledge, understanding and skills related to insurance products involve a broader range of stakeholders – including public authorities.

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