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Bedragarens bakomliggande faktorer: sociala normers inverkan på försäkringsbedrägeri

  • Anders Lyckebäck
Publiceringsår: 2015
Språk: Svenska
Dokumenttyp: Examensarbete för kandidatexamen


Insurance fraud is estimated to cost the Swedish insurance agencies three to five billion Swedish kronor each year. The insurance idea is simple, share the risk, but if policyholders take advantage of the system, the concept fails. Previous research states that norms or attitudes towards insurance companies are the main reason behind insurance fraud. This study aims to measure and evaluate social norms regarding insurance fraud in Sweden. This was done using a web-based survey with 1073 participants. The results of this survey conclude that social norms regarding Insurance fraud do exist, and that it is condemning of the act of insurance fraud. Mathematical formulas were used in order to determine the strength and to what extent the given norms affected the respondents. The results also show that positive attitudes towards insurance fraud or previous actions of insurance fraud are accompanied by weaker social norms and a lower responsiveness to these norms.


  • Social Sciences
  • Law and Political Science
  • normativ påverkan
  • sociala normer
  • försäkringsbedrägeri
  • normative affect
  • insurance fraud
  • social norms


  • Måns Svensson

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