The objective of this study is to investigate consumers in the Taiwan region, the situation that when their due rights were being infringed, they had rather accept the unfair treatment from the manufacturers or suppliers, and will not strive for their own rights. In the consumer market, events of consumer right infringement are happening each day, seriously hindering the market order of fair competition. In this moment of the 2007, what are the thoughts within the minds of the consumers in Taiwan ? What are the factors that influence consumers striving for their due rights? In this study, the following issues were reviewed: relationships between manufacturers and consumers; consumer¡¦s cognizance of consumer rights; consumer protection; the roles of the law; government and consumer protection institutions in consumer protection; consumer education; and, consumer self-protection of consumer rights. A survey questionnaire was developed based on five themes of consumers themselves, consumer knowledge, law, government and consumer protection institutions. The survey attempts to understand the internal views of consumers. Consumers in the northern, central and southern Taiwan were randomly sampled according to population distribution. After collecting 170 questionnaires, the responses were coded and analyzed with SAS (statistical software) using Factor Analysis, one-way MANOVA and one-way ANOVA. Several latent factors were extracted, and the difference between consumer gender, age, education background and living region were studied. The results of statistical analysis indicate in 2007, the four main factors affecting consumers¡¦ strive for their rights are: (1) lack of external protection, (2) lack of self-confidence in claiming their rights, (3) dysfunction of consumer protection institutions, and, (4) lack of consumer knowledge. The results further show that the factors differ among living regions, however there is no evidence that there are differences in consumers gender, age and education background. This study has also investigates the level of consumer rights awareness, and the differences in gender, age, education background and living region in such cognizance. The results of statistical analysis show a very low awareness of consumer rights, and there is no evidence to conclude difference between gender, age, education background and living region.

This work deal with a consumer protection in insurance in conditions of the Czech Republic. It specifies an insurance service and reasons leading to necessity of clients of insurance companies protection. The central theme of the work is delimitation of instruments serving to consumer protection in insurance. It treats of legislative acts, Czech National Bank as a supervisory authority in insurance, consumer associations, codes of ethics, financial education of consumers and institute of insurance arbiter or ombudsman, which is not still established in the Czech Republic. A proposal of European Commision to Insurance Guarantee Schemes is mentioned too. The work deal with an insurance terms as well, its transparency for clients of insurance companies and necessity to read it before signing a contract of insurance. In conclusion of the work the most important deficiencies of the particular instruments and the recommendations for improvement of situation are presented.