地震保険研究２１

地震危険に関する消費者意識調査（平成21年調査）

平成２１年１１月

損害保険料率算出機構

はじめに

この報告書は、地震保険調査研究事業の一環として平成２１年度に実施した地震危険に関するアンケート調査をまとめたものである。
本調査は、地震危険に対する一般消費者の意識・行動および保険・共済制度、特に地震保険への加入の関係を知ることを目的とし、全国を対象として実施した。この目的のため、アンケートは消費者の地震危険意識や地震災害への備えの現状、地震保険制度の認知度、制度の印象などに関する設問としており、本報告書ではその結果について、主として保険や共済への加入状況を軸とした取りまとめを行った。
本報告書が防災や保険など災害に係る分野において有益な資料となれば幸いである。

平成２１年１１月
損害保険料率算出機構

－ 目 次 －第Ⅰ章

調査概要 ···················································· 1

１．調査の目的 ······················································· 1２．調査の概要 ······················································· 1（１）概要 ························································ 1（２）都道府県別サンプル数 ········································ 3

第Ⅱ章

調査結果 ···················································· 5

１．住まいの損害保険および共済の加入状況······························ 5（１）地震保険加入状況：2 区分 ···································· 5（２）地震保険加入状況（詳細）：5 区分 ····························· 5２．回答者および回答者の世帯の属性 ··································· 7（１）回答者の立場 ················································ 7（２）結婚の有無 ·················································· 8（３）世帯主の性別 ················································ 9（４）世帯主の年齢 ··············································· 10（５）世帯主の職業 ··············································· 11（６）世帯人数 ··················································· 12（７）被災時に使用できる預貯金等の額 ····························· 15（８）世帯の年収 ················································· 16３．居住する住居建物の属性 ·········································· 17（１）住居建物の建て方 ··········································· 17（２）住居建物の所有の形態 ······································· 18（３）住居建物の構造 ············································· 19（４）住居建物の建築時期 ········································· 20（５）住居建物を購入する際の住宅ローンの状況 ····················· 21（６）住宅性能評価制度に基づく住居建物の耐震性 ··················· 23

４．地震危険に対する意識等 ·········································· 24４－１．地震危険に対する意識 ········································ 24（１）大地震発生の可能性 ········································· 24（２）地震による被害の可能性 ····································· 30４－２．地震危険に対する備え ········································ 36（１）地震危険に対する備え ······································· 36（２）復旧費用の工面の方法 ······································· 37（３）被災者生活再建支援法の認知度 ······························· 38
４－３．地震による被災の経験等 ······································ 39（１）被災経験の有無 ············································· 39（２）被害の内容 ················································· 40（３）被災した地震 ··············································· 41（４）り災証明の被害の程度 ······································· 42（５）被災後の住居 ··············································· 43（６）住居建物の再建・修繕にかかった費用 ························· 45（７）賃貸住宅への転居にかかった費用 ····························· 46（８）家財の購入や修理にかかった費用 ····························· 47（９）けがの治療等にかかった費用 ································· 48（10）再建後の住居建物の住環境 ··································· 49（11）再建後の住居建物の耐震性 ··································· 50（12）政府・自治体からの支援金の受給 ····························· 51（13）義援金（義捐金）の受給 ····································· 52（14）保険金・共済金の受給 ······································· 53（15）被災時の借入れ ············································· 54
５．地震保険・共済（地震担保）加入者への質問························· 55（１）地震保険・共済（地震担保）を知ったきっかけ ················· 55（２）地震保険・共済（地震担保）に加入した理由 ··················· 56（３）今後の地震保険・共済（地震担保）の継続意思 ················· 58
６．地震保険・共済（地震担保）非加入者への質問······················· 59（１）地震保険の認知度 ··········································· 59（２）地震保険への加入検討の有無 ································· 61（３）検討した上で、地震保険に加入しなかった理由 ················· 63（４）地震保険への加入を検討しない理由 ··························· 65
７．地震保険制度に対する意識 ········································ 67（１）地震保険の制度内容の認知度 ································· 67（２）地震保険制度の必要性 ······································· 69（３）地震保険の保険料の印象 ····································· 70（４）地震保険の保険料が高いと感じる理由 ························· 73（５）妥当だと思う地震保険の保険料の水準 ························· 74（６）付保割合 30％未満の地震保険のニーズ ························ 75（７）付保割合 100％の地震保険のニーズ ··························· 76（８）火災保険加入時に地震保険にも必ず加入する制度となった場合の行動 ························································· 77（９）地震保険の保険料の区分に対する意識 ························· 78

第Ⅲ章

まとめ ····················································· 85

１．地震保険加入者の属性 ············································ 85
２．地震保険加入者の地震危険に対する意識····························· 85
３．地震保険に加入した理由等 ········································ 86
４．地震保険に加入しない理由等 ······································ 86
５．地震保険制度に対する意識 ········································ 87

参 考 文 献 ························································ 88
付録１

スクリーニング調査 調査票 ··································· 89

付録２

本調査 調査票 ··············································· 95