英國產物、住宅災害保險之聯合及合作夥伴行銷 是由出版商Finaccord Ltd.在2010年04月所出版的。
這份英文市場調查報告書包含100 Pages 價格從美金1972起跳。
本報告為，詳細調查分析英國產物、住宅災害保險之聯合及合作夥伴行銷實例，並匯整合作提議、運用模式、普及率、市場佔有率等，以下列摘要形式闡述。
實施概要
第1章 簡介
第2章 市場概要
第3章 非營利同儕團體
- 慈善機構
- 生活方式組織
- 政治團體
- 專業協會
- 運動組織
- 產業團體
- 工會
- 其他
第4章 金融夥伴
- 銀行
- 建築資金融資合作社
- 信用合作社
- 互助會
- 保險公司
- 線上應用、經理人
- 套裝帳戶、支付卡
- 當舖、支票業者、外匯匯款服務供應商
- 專業貸款業者
第5章 商業組織
- 航空公司
- 汽車協會
- 汽車經銷商、維修工廠、超級市場
- 汽車製造業者
- 不動產
- 足球隊
- 網路、媒體、通訊相關組織
- 線上比價供應商
- 零售業者
- 旅行社
- 公用事業公司
- 其他
圖表
Abstract
Finaccord' s report titled Affinity and Partnership Marketing in UK Household
and Home Emergency Insurance represents the most detailed research ever
undertaken on this sector and is one of eight studies in a new series of
publications. Drawing on the results of a survey of 2,565 organisations, the
report analyses the penetration, operating models and provider share of
relationships of affinity and partnership marketing schemes for household and
home emergency insurance across a range of distributor categories. These
include banks, building societies, charities, estate agents, friendly
societies, Internet, media and telecoms entities, online aggregators and
brokers, professional associations, retailers and trade unions. Moreover, the
PartnerBASE database that accompanies the report provides the granular detail
behind the analysis, detailing each of more than 500 affinity and partnership
marketing initiatives traced by Finaccord in this sector. You may be able to
use this report and associated PartnerBASE database in one or more of the
following ways: drill down into the detail lying behind affinity and
partnership marketing schemes for household and home emergency insurance in
the UK; gain access to research that chronicles the vast majority of affinity
marketing opportunities in household and home emergency insurance; use the
PartnerBASE databases to identify trends by partner type, operating model and
product provider; benchmark the competitive position of your own organisation
in affinity and partnership marketing of household and home emergency
insurance and spot opportunities for displacing rivals; plan your future
affinity and partnership marketing strategy for household and home emergency
insurance armed with the best market and competitor intelligence available on
this subject. Together, the report and PartnerBASE database will provide you
with the definitive guide to current and potential affinity and partnership
marketing opportunities in UK household and home emergency insurance.
Table of Contents
0.0 EXECUTIVE SUMMARY
- Research background and structure
- Over a half of organisations surveyed in ten sub-categories offer
household insurance with a clear majority of programs identified continuing to
use a brokerage model albeit the leading affinity competitors include both
underwriters and brokers
- Home emergency insurance is increasingly marketed through alternative
channels with new competitors emerging to challenge the long-standing
incumbents
- A variety of competitors are well-placed to profit from future trends in
affinity marketing
- New partnerships will be important to increasing penetration of home
emergency cover
1.0 INTRODUCTION
- Rationale
- The channels used to distribute financial products and services in the
UK continue to proliferate
- Methodology
- Finaccord
- UK affinity and partnership marketing publications
- Other UK consumer research publications
- UK small business financial services research publications
- PartnerBASE™
- Definitions
2.0 MARKET OVERVIEW
- Affinities and partnerships in UK household and home emergency insurance
- Finaccord' s research identifies 428 non-captive affinity schemes for
household insurance of which over a half are based around brokerage or ' open
architecture' solutions
- In terms of their number of exclusive deals, RSA and Aviva are the
leading underwriters
- Distribution options for home emergency insurance are expanding beyond
the traditional conduits
New competitors are emerging to challenge the dominance of the long-standing
incumbents
3.0 NOT-FOR-PROFIT AFFINITY GROUPS
- 3.1 Charities
- Introduction
- Analysis of partnerships
- Household insurance sold through charities works best when there is a
clear rationale although pure revenue generation can be an objective in its
own right
- Only two charities have organized stand-alone home emergency insurance
- Intune may benefit from the merger of Age Concern and Help the Aged to
form Age UK and the company generated its first year of profits in the 12
months to March 2009
- 3.2 Lifestyle organisations
- Introduction
- Analysis of partnerships
- Although a small category by number, there are several interesting
affinity schemes in place
- 3.3 Political parties
- Introduction
- Analysis of partnerships
- Just two affinity marketing initiatives are in evidence among political
parties
- 3.4 Professional associations
- Introduction
- 28 professional associations possess in excess of 30,000 individual
members
- Analysis of partnerships
- The vast majority of professional associations offering home insurance
do so through a broker with Parliament Hill having grown its roster of
member benefits clients to 20 associations with a combined total of over 1.4
million members
- Other relationships are spread more thinly among a variety of competitors
- 3.5 Sports organisations
- Introduction
- Analysis of partnerships
- Just two affinity relationships were up and running at the time of the
research
- 3.6 Trade associations
- Introduction
- Analysis of partnerships
- Personal lines are sometimes offered as a ' carry over' from commercial
insurance schemes which signifies that this is a field in which
relationships are dominated by insurance brokers
- 3.7 Trade unions
- Introduction
- Analysis of partnerships
- UIA and Aviva are the most prominent providers of home insurance to
trade unions although a number of unions prefer to work with companies
outside of the leading duo and five trade unions maintain contracts with two
providers of household insurance
- As a distribution option, there is evidence to suggest that trade unions
are in gentle decline
- 3.8 Universities.
- Introduction
- Analysis of partnerships
- Affinity and partnership marketing through universities focuses on two
main areas
- Endsleigh maintains its position as the leading provider of student
contents insurance
4.0 FINANCIAL PARTNERS
- 4.1 Banks
- Introduction
- Analysis of partnerships
- Banks adhere to a variety of operating models for the provision of
household insurance with Aviva, AXA and RSA all benefiting from exclusive
relationships.
- A number of banks underwrite household insurance through captive
insurance units while Junction offers a brokerage alternative that has been
taken up by Santander
- Aviva' s relationship with Barclays is scheduled to last until at least
2015
- One banking brand only promotes stand-alone home emergency insurance
- 4.2 Building societies.
- Introduction
- Analysis of partnerships
- RSA continues to hold the highest number of building society partnerships
- Aviva' s exclusive partnerships in the building society sector have
fallen to just three
- Several building societies have opted for a broking model for household
insurance
- 4.3 Credit unions
- Introduction
- Analysis of partnerships
- Credit unions are active through MEMBERS Financial Services and
union-specific initiatives
- 4.4 Friendly societies
- Introduction
- Analysis of partnerships
- Only a handful of friendly societies offer household insurance to their
customers
- 4.5 Insurance companies
- Introduction
- Analysis of partnerships
- Aviva, BDML Connect and Heath Lambert each lay claim to two or more deals
- New providers are emerging in the market for bundled home emergency
insurance
- 4.6 Online aggregators and brokers
- Introduction
- Analysis of partnerships
- Deals between online aggregators and brokers are both numerous and
fragmented
- Relationships for home emergency insurance have proliferated
dramatically since 2008
- 4.7 Packaged accounts and payment cards
- Introduction
- Analysis of partnerships
- Several added value accounts incorporate packaged home emergency
insurance
- 4.8 Pawnbrokers, cheque cashers and providers of foreign exchange and
remittance services
- Introduction
- 4.9 Specialized lenders
- Introduction
- Analysis of partnerships
- Specialized lenders are no longer a significant distribution category
for household insurance
5.0 COMMERCIAL ENTITIES
- 5.1 Airlines
- Introduction
- 5.2 Automotive associations
- Introduction
- Analysis of partnerships
- All five automotive associations have an arrangement in place for
selling household insurance
- 5.3 Automotive dealers, repair shops and supermarkets
- Introduction
- Analysis of partnerships
- Many automotive dealerships owe their survival to revenues derived from
financial services although with two exceptions, household insurance does
not enter the equation
- In spite of fierce competition, Kwik-Fit Insurance Services has
continued to grow steadily
- 5.4 Automotive manufacturers
- Introduction
- Analysis of partnerships
- Among automotive manufacturing brands, only BMW is active in marketing
household insurance
- 5.5 Estate agents
- Introduction
- Analysis of partnerships
- Legal & General continues to hold the largest number of exclusive estate
agency partnerships although AXA Insurance is the sole provider of to the
UK' s largest estate agency chain
- Thereafter, deals are spread thinly among various financial advisory and
brokerage firms
- 5.6 Football clubs
- Introduction
- Analysis of partnerships
- Affinity propositions in home insurance continue to be limited to a
fairly small number of clubs
- Manchester United' s arrangements are driven by the identity of the
club' s official sponsor
- 5.7 Internet, media and telecoms entities
- Introduction
- Analysis of partnerships
- BeatThatQuote.com and Moneysupermarket.com account for a majority of
media affinities
- BeatThatQuote.com grew extremely rapidly in the two years following its
launch
- Deals for home emergency insurance are far less widespread in this
category
- 5.8 Online price comparison providers
- Introduction
- Analysis of partnerships
- A number of online price comparison providers offer own-brand insurance
searching facilities
- 5.9 Retailers
- Introduction
- Analysis of partnerships
- Distribution deals for household insurance are widespread among home
shopping brands as well as among the best known retail brands with extensive
networks of physical shops yet with no clear consensus emerging with regards
to the preferred operating model
- Tesco is aiming to double its volume of customers with a motor or
household policy
- As a result of its affinity broking activity, BDML Connect has become a
significant competitor
- B&Q has linked with British Gas to promote stand-alone home emergency
insurance
- 5.10 Travel companies
- Introduction
- 5.11 Utilities companies
- Introduction
- Analysis of partnerships
- Most utilities companies distribute home emergency insurance in one form
or another
- The duo of Homeserve and Inter Partner Assistance continue to hold the
most partnerships although competition is apparent from both captive and
non-captive sources
- Close to eight million owner-occupied households in the UK possess home
emergency cover with many having been cross-sold multiple policies
- 5.12 Other commercial entities
- Introduction
- Branded conglomerates
- Four diverse organisations are now classified as ' branded
conglomerates' with Virgin planning an ambitious expansion of its financial
services activities
- Saga has overhauled its operating model and partnerships for household
insurance
- Loyalty schemes
- The loyalty schemes category includes programs based around leisure,
shopping and travel
- Nectar has introduced a branded insurance proposition in association
with Confused.com
- AIRMILES, ipoints and Nectar have very different profiles and histories
- The Post Office
- By June 2009, the Post Office accounted for 700,000 motor and household
insurance policies
GRAPHICS / TABLES
- The affinity and partnership marketing universe
- Entities contacted for the research, segmented by broad category
- Affinity and partnership marketing schemes for household insurance in the
UK: penetration by type of partner
- Affinity and partnership marketing schemes for household insurance in the
UK: segmentation by operating model and competitor
- Affinity and partnership marketing schemes for home emergency insurance in
the UK: penetration by type of partner
- Affinity and partnership marketing schemes for home emergency insurance in
the UK: segmentation by operating model and competitor
- Charities offering household insurance: penetration, operating models and
share of partnerships
- Charities offering home emergency insurance through partnerships
- Lifestyle organisations offering household insurance through partnerships
- Political parties offering household insurance through partnerships
- The top 30 professional associations in the UK ranked by member numbers,
2010 (data)
- Professional associations offering household insurance: penetration,
operating models and share of partnerships
- Sports organisations offering household insurance through partnerships
- The top 75 trade associations in the UK ranked by member numbers, 2010
(data)
- The top 75 trade associations in the UK ranked by member numbers, 2010
(data) (continued)
- Trade associations offering household insurance: penetration, operating
models and share of partnerships
- The top 40 trade unions in the UK ranked by member numbers, 2010 (data)
- Trade unions offering household insurance: penetration, operating models
and share of partnerships
- Universities offering student contents insurance: penetration, operating
models and share of partnerships
- Banks offering household insurance: penetration, operating models and
share of partnerships
- Building societies offering household insurance: penetration, operating
models and share of partnerships
- The top 20 credit unions in the UK ranked by member numbers (data)
- Credit unions offering household insurance: penetration, operating models
and share of partnerships
- The top 25 friendly societies in the UK ranked by member numbers, 2008
(data)
- Friendly societies offering household insurance through partnerships
- Insurance companies offering household insurance: penetration, operating
models and share of partnerships
- Insurance companies offering home emergency insurance: penetration,
operating models and share of partnerships
- Online aggregators and brokers offering household insurance: penetration,
operating models and share of partnerships
- Online aggregators and brokers offering home emergency insurance:
penetration, operating models and share partnerships Packaged accounts
incorporating home emergency insurance
- Pawnbrokers, cheque cashers and providers of foreign exchange and
remittance services offering household insurance through partnerships
- Specialized lenders offering household insurance through partnerships
- Automotive associations offering household and home emergency insurance
through partnerships
- Automotive dealers, repair shops and supermarkets offering household
insurance through partnerships
- Automotive manufacturers offering household insurance through partnerships
- Estate agents offering household insurance: penetration, operating models
and share of partnerships
- Football clubs offering household insurance: penetration, operating models
and share of partnerships
- Internet, media and telecoms entities offering household insurance:
penetration, operating models and share of partnerships
- Internet, media and telecoms entities offering home emergency insurance
through partnerships
- Online price comparison providers offering household insurance through
partnerships
- Retailers offering household insurance: penetration, operating models and
share of partnerships
- Retailers offering home emergency insurance through partnerships
- Utilities companies offering home emergency insurance: penetration,
operating models and share of partnerships
- Branded conglomerates offering household and home emergency insurance
through partnerships
- Loyalty schemes offering household and home emergency insurance through
partnerships
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