• Arnold Maviya

This study examines the influence of cultural beliefs and attitudes towards insurance on the propensity to accept passenger liability coverage in Zimbabwe's Midlands Province. The research employed a mixed-methods approach and had a total of 113 participants, with 30 engaged in the qualitative phase and 83 in the quantitative phase. Due to the informal characteristics of the transportation sector, a snowball sampling method was employed to recruit participants, constituting a crucial tactic. Alongside the collection of qualitative data through semi-structured interviews that explored personal experiences and cultural viewpoints on insurance, quantitative data was obtained through a structured survey assessing demographics, insurance awareness, attitudes, and readiness to embrace coverage. The findings indicate substantial obstacles to insurance uptake, characterized by a pervasive distrust in its advantages. Participants perceived insurance as a financial encumbrance that offered no substantial advantages in the event of an accident. A culture of corruption and apprehensions over police intimidation intensify this distrust, causing numerous operators to perceive compliance with insurance regulations as pointless and onerous. The stigma surrounding irregular employment intensifies the disparity between the operators' circumstances and the legal protections designed for them. The study underscores the need for targeted interventions that tackle the broader systemic and cultural challenges faced by informal taxi operators, alongside educating them on the benefits of insurance. Policymakers and insurance firms can foster an environment conducive to legal compliance and enhance the adoption of passenger liability insurance by recognizing and engaging with the actual experiences of these operators. This will ultimately enhance safety and security in the disorganized transportation sector.

Cultural beliefs, attitude, insurance, passenger liability, informal taxes

"Investigate how cultural beliefs and attitudes toward insurance affect the willingness to adopt passenger liability coverage in Zimbabwe's Midlands Province", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 11, page no.g365-g371, November-2024, Available :http://www.jetir.org/papers/JETIR2411635.pdf

"Investigate how cultural beliefs and attitudes toward insurance affect the willingness to adopt passenger liability coverage in Zimbabwe's Midlands Province", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 11, page no. ppg365-g371, November-2024, Available at : http://www.jetir.org/papers/JETIR2411635.pdf