allows them to extend to consumers individually adjusted fair insurance offers. In a market which is characterized by … for the analysis in this thesis. Its purpose is to study the incentives of the agents in the car insurance market … in terms of the design of contracts and to the policy maker in terms of regulating the insurance market. After a short …

This thesis contains four essays which are all from the broader field of insurance economics. The chapters can be read …, which is on oligopolistic models in the insurance market, are paving the way for chapter 4, which contains an article on the … role of patience in an insurance market. This is because chapter 4’s model includes moral hazard and adds to the literature …