Discriminations dans l’accès à la banque et à l’assurance : Les enseignements de trois testings

This research measures discriminations on three markets which were rarely studied in France even though the access to these markets determines the occupational and social integration of individuals, in particular young people : automobile insurance, health insurance and consumer credit market. On these markets, we estimate the age discrimination, sexual discrimination, ethnic origin discrimination, and discrimination based on place of residence, using correspondence testing. We used six profiles of fictitious individuals who submitted similar requests for an quotation from credits, insurances and health insurances providers. First of all, in March 2016, we tested 38 non-life and composite insurance company by sending them an online request for a quotation for an automobile insurance. Then, between April and May, 2016, we tested 52 companies which allowed sending a request for an estimate for a health insurance from a simulation made on their website. Finally, in June, 2016, we tested 20 financial institutions by sending six requests to estimate the cost of a consumer credit in order to buy a second-hand car. These three testing campaigns highlight the existence of age discrimination, sexual discrimination, ethnic discrimination, as well as discrimination related place of residence, both in the access to the services and in pricing applied by providers. Classification JEL : C93, J14, M53