considerable amount. The cases of the Netherlands and the United Kingdom illustrate that high transaction costs are not a necessity. …

the current paper, we demonstrate empirically for the Netherlands that transaction costs have a strong negative effect on … that in the Netherlands ad valorem transaction costs mainly consist of buyer transaction costs …

experience, comparing the surveyed flood insurance choices of 1,187 homeowners, half of whom are in the Netherlands, where flood …-related experience: in the Netherlands defaults increase the likelihood of insuring by between 17 and 18 percentage points. Although …