Seguro de garantia estendida : a estrutura do produto e a regulamentação no mercado segurador brasileiro

Abstract

The extended warranty initially emerged as a service, with its implementation realized the need for changes in its regulation making it a safe type, as it became a very common safe product in the retail market. The present study sought to make a bibliometric analysis with data collected in the base Capes periodicals with the objective of seeking studies related to the extended warranty, using the key words in the title and in the Summary: ("Extended warranty" and "extended guarantee"). In analyzing the evolution of the published scientific articles, the year 2017 obtained the highest number of publications, with 24 articles. China is the leader in the list of most publicized countries, with 36 articles and has been found that extended warranty contributes to improvements in the engineering sector with 62 published articles. In addition, we also analyzed the behavior of the collection of extended warranty insurance in Brazil and to develop models that fit the collection. Data were obtained from the statistics system of the Superintendence of private insurance, which comprise the period from January 2011 to December 2018. During the period analyzed it was found that the year of 2014 more collected with the guarantee, about R $3.1 Bi, in relation to the claims that occurred in that period, the year of 2015 obtained the highest spending around R $474 mi. The state of São Paulo is the most raised with the safety It is where the economy and the retail market are concentrated. In order to adjust the model, the study uses an econometric method, specifically time series, that suits the behavior of the collection.