Identifying Non-adopter Consumer Segments: An Empirical Study on Earthquake Insurance Adoption in Turkey

Burcak Basbug Erkan, Feray Adiguzel, Ceylan Yozgatligil, Mirella Kleijnen

Research output: Contribution to journalArticle


In recent years, steadily climbing natural disaster losses have increased the need to promote new financial risk transfer mechanisms, including insurance, as a mitigation tool to build resilient communities to recover faster after disaster occurrence. However, while the societal need for such policies is high, demand for natural disaster insurance typically is still low. While there is ample research on positive adoption decisions, reasons for non‐adoption has not yet received the attention it deserves. Using the case of earthquake insurance in Turkey, this study investigates how public policy makers and insurance companies can differentiate non‐adopter segments and consequently develop targeted strategies to stimulate the uptake of disaster insurance. Our study develops a non‐adopter typology consisting of four segments—state reliant positivist, dependers, adversaries, and uninformed loners. Differences among segments provide policy makers and insurance companies with meaningful insights to design and consequently introduce affordable natural disaster insurance to the market.
Original languageEnglish
Pages (from-to)662-685
Number of pages24
Issue number2
Early online date5 Jul 2018
Publication statusPublished - 1 Jun 2019
Externally publishedYes


Bibliographical note

This is the peer reviewed version of the following article: ‘Identifying Non-adopter Consumer Segments: An Empirical Study on Earthquake Insurance Adoption in Turkey' which has been published in final form at DOI 10.1111/joca.12217. This article may be used for non-commercial purposes in accordance with Wiley Terms and Conditions for Self-Archiving.


  • Non-adopters
  • Consumer resistance
  • Consumer segments
  • Protection motivation

ASJC Scopus subject areas

  • Economics, Econometrics and Finance(all)
  • Sociology and Political Science

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