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市場調查報告書

歐洲的住宅事故保險、輔助服務市場

Home Emergency Insurance and Assistance in Europe

出版商 Finaccord Ltd. 商品編碼 134822
出版日期 內容資訊 英文 271 pages
商品交期: 最快1-2個工作天內
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歐洲的住宅事故保險、輔助服務市場 Home Emergency Insurance and Assistance in Europe
出版日期: 2014年06月01日 內容資訊: 英文 271 pages
簡介

本報告提供歐洲的住宅事故保險、輔助服務市場相關調查分析、歐洲10個國家的家計保險、銀行金融商品焦點、市場規模、供應商、市場分析、潛在性的評估等相關的系統性資訊。

摘要整理

第1章 簡介

第2章 地區概要

  • 簡介
  • 住宅戶數資料
  • 主要的合作夥伴組織的配銷
    • 普及率
    • 運用模式
    • 競爭情形
  • 支付卡、銀行帳戶相關的配銷
  • 燃氣鍋爐製造商配銷
  • 市場標準
  • 市場規模、成長率
  • 市場區隔
  • 市場預測

第3章 奧地利

  • 簡介
  • 住宅戶數資料
  • 主要的合作夥伴組織的配銷
  • 其他配銷管道
  • 市場規模、成長率與預測

第4章 比利時

第5章 法國

第6章 德國

第7章 義大利

第8章 荷蘭

第9章 波蘭

第10章 西班牙

第11章 瑞士

第12章 英國

圖表

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目錄

‘Home Emergency Insurance and Assistance in Europe’ is a report plus an associated PartnerBASE™ dataset and market data file about the market for this type of cover in ten countries: Austria, Belgium, France, Germany, Italy, the Netherlands, Poland, Spain, Switzerland and the UK.

In essence, the term ‘home emergency insurance and assistance' encompasses policies that are sold on a stand-alone basis, or bundled with utility services, household insurance or banking products, that cover one or more of the following home-related problems:

  • malfunctioning of gas boilers, gas supply pipes or gas central heating;
  • problems with plumbing, drainage or water supply pipes;
  • electrical emergencies or breakdowns.

Key features of this report include:

  • quantification of the market size for home emergency insurance and assistance: how much is the market worth across the ten countries considered in Europe, how does it break down by policy type and by country, and how is it likely to have grown by 2017?
  • identification of providers of home emergency insurance and assistance that have established relationships with energy firms, water companies and household insurers and calculation of their share of partnerships in both unweighted and weighted terms;
  • analysis of the degree to which home emergency cover is provided automatically or cross-sold as an optional extra - this has a very significant impact on household penetration rates and market values in each country;
  • assessment of the potential for marketing home emergency insurance and assistance through alternative channels including online aggregators and brokers, other online brands and banking products as well as gas boiler manufacturers, direct sales and automotive clubs.

You may be able to use this report plus the PartnerBASE™ dataset and market data file that accompanies it in one or more of the following ways:

  • appreciate the size of the opportunity in the market for home emergency insurance and assistance in Europe: in aggregate, this is a substantial market;
  • understand how dynamic competitors are helping the sector to grow at a rate in excess of the underlying markets for utilities services and household insurance in a number of countries;
  • assess the position of significant national and international competitors such as Allianz Global Assistance, Asitur Asistencia, AXA Assistance, British Gas Home Services, Deutsche Assistance, Eurocross Assistance, Europ Assistance, FIDELIA Assistance, HomeServe, Home Energy Services, Inter Mutuelles Assistance, MAPFRE Asistencia, Mutuaide Assistance, ROLAND Assistance and Servihogar24;
  • evaluate the potential for marketing home emergency cover to cover via means other than the core distribution channels in each country.

Table of Contents

0.0 EXECUTIVE SUMMARY

  • Among these ten countries, Germany and Italy host the largest number of occupied dwellings
  • More than 85% of UK dwellings take the form of houses as opposed to flats
  • Energy companies in Italy and France routinely offer home emergency cover
  • In many cases, Europe's regular household insurers play a key role in distributing this product
  • The regional market leaders include both insurer-owned assistance firms and energy companies
  • Gas boiler manufacturers often sell competing extended warranties and annual maintenance contracts
  • The percentage of households with home emergency cover is likely to be highest in the Netherlands
  • In the UK, it is common for insured households to acquire multiple home assistance contracts
  • Gross written premiums from this product are growing well in Italy and a number of other markets
  • Dedicated gas and boiler cover accounts for a significant proportion of policies in the UK
  • At a regional level, premiums will increase by around 3.4% per annum in nominal terms up to 2017

1.0 INTRODUCTION

  • What is this report about?
  • Rationale
    • This report updates and expands upon Finaccord's previous ground-breaking research
  • Methodology
    • Primary research
      • The survey includes more than 700 utility companies and home insurance brands...
      • ...and the report harnesses additional research about consumer behaviour and packaged provision
    • Market data
    • External sources
  • Definitions
    • Terms and abbreviations
    • Operating models
    • Currencies, exchange rates and inflation
  • PartnerBASE
  • Finaccord

2.0 REGIONAL OVERVIEW

  • Introduction
  • Dwelling stock data
    • The ten European countries in scope have a combined occupied dwelling stock of almost 190 million
    • Growth in the number of occupied dwellings has been strongest in Italy but weakest in Spain
    • The UK has the highest proportion of dwellings that are houses as opposed to flats
    • In general, owner-occupiers are more likely to purchase cover than people who rent their homes
    • Levels of home-ownership are highest in Spain and Poland, but fairly low in Germany and Switzerland
  • Distribution through key partner organisations
    • Provision rates
      • Energy companies: energy suppliers in France and the UK offer the widest range of policy options...
      • ... while those in Switzerland have yet to develop any proposition in this field
      • Water companies: this channel's potential has not yet been tapped in three of the ten countries
      • Household insurance brands: a majority of insurers offer home emergency cover in one form or another
      • Across all key partner organisations, the level of automatic provision is highest in the Netherlands...
      • ...but very low in the UK, where the vast majority of schemes are configured as optional extras
    • Operating models
      • On average, more than 45% of home emergency schemes involve a single external provider...
      • ...although the use of captive partners or purely internal provision is also widespread
    • Competitive landscape
      • In terms of distribution partnerships, Spain has the least concentrated market, followed by France
      • At group level, AXA Assistance is the most significant partner for utilities firms and household insurers...
      • ... followed by Allianz Global Assistance and Centrica, the owner of British Gas Services
      • HomeServe holds partnerships in four countries and is ready to begin competing in another
      • A quartet of other assistance firms active in this field are headquartered in France
  • Distribution linked to payment cards and bank accounts
    • Packaging of home emergency cover with banking products is especially significant in Italy and Poland
  • Distribution by gas boiler manufacturers
    • In five countries, all boiler manufacturers offer cover of one type of another...
    • ...and this channel is perceived to be relatively significant in Austria and Switzerland
  • Market metrics
    • The Netherlands has the highest proportion of households covered by one or more policies
    • ...and the UK has fewer insured dwellings than the value of its home emergency market implies
    • The number of home emergency policies per insured dwelling varies across Europe from 1.03 to 2.27
  • Market size and growth
    • In nominal terms, regional premiums have been growing at more than 4% per annum in recent years...
    • ... with the most rapid advances seen in Italy and Poland
    • Spain's market has stalled in recent years due to well-documented problems in the house-building sector
  • Market segmentations
    • By volume, comprehensive policies are most significant in Italy and Belgium...
    • ...although basic comprehensive cover often costs less than more meaningful dedicated policies
    • The UK has a very large number of dedicated gas central heating and boiler breakdown plans
    • Home emergency revenues generated by regular household insurers play a key role in Spain...
    • ...whereas this distribution channel is relatively minor in Austria and the UK
  • Market forecast
    • At a regional level, gross written premiums are expected to exceed EUR 4 billion by 2017
    • The large UK market may be held back by past and possible future regulatory intervention

3.0 AUSTRIA

  • Introduction
  • Dwelling stock data
    • The number of occupied dwellings in Austria is likely to have passed 4 million in 2013...
    • ...and over a half of these are lived in by the owner of the property
  • Distribution through key partner organisations
    • Summary of organisations researched
    • Provision rates
      • Provision of home emergency cover via energy and water companies is extremely limited
      • ... albeit the majority of household insurers can arrange home emergency cover for an additional fee
      • Major underwriters acting in this way include Generali, UNIQA and Wiener Städtische
    • Operating models
      • Three operating models are used by distributors of home emergency cover in Austria...
      • ... with some simply maintaining their own database of approved tradespersons
    • Partnerships with energy companies and water companies
    • Partnerships with household insurance brands
      • Allianz Global Assistance and Europ Assistance each benefit from both captive and external agreements
      • Customer Care Solutions and IMA are also active as external providers in this market...
      • ...whilst a number of household insurance brands operate their own home emergency schemes
      • By weighted share of partnerships, Europ Assistance emerges as the likely market leader
  • Other distribution channels
    • Gas boiler manufacturers
      • Austrian boiler manufacturers typically offer on-going maintenance contracts at a fairly high annual cost
    • Direct sales
    • Online aggregators and brokers
      • Price comparison sites only offer this product as part of regular household insurance policies
    • Other online brands
    • Payment cards and bank accounts
    • Automotive clubs
    • Other types of distributor
  • Market size, growth and forecast
    • The Austrian market is relatively small but growing well thanks to increases in the housing stock
    • Cover for gas boilers is likely to represent the largest category of home emergency policies
    • The bulk of the Austrian market value is probably composed of gas boiler maintenance plans
    • Home emergency premiums are likely to exceed EUR 100 million by 2017

4.0 BELGIUM

  • Introduction
  • Dwelling stock data
    • There are around 5 million occupied dwellings in Belgium...
    • ...and nearly 80% of these are lived in by the owner of the property
  • Distribution through key partner organisations
    • Summary of organisations researched
    • Provision rates
      • Three of Belgium's energy suppliers offer one or more forms of home emergency cover...
      • ...whereas water companies register no involvement whatsoever
      • The vast majority of household insurers include home emergency cover as a standard policy feature
    • Operating models
      • More than 60% of distributors work with a single external provider for home emergency cover...
      • ...although several household insurance brands make use of their captive assistance firms
    • Partnerships with energy companies
      • Inter Partner Assistance and Europ Assistance each work with one energy supplier
    • Partnerships with household insurance brands
      • Allianz Global Assistance claims the highest number of individual partnerships with insurers...
      • ... followed by Europ Assistance...
      • ...but Benelux Assist, Inter Partner Assistance and VAB each hold large contracts
    • Weighted competitor share of partnerships with key partner organisations
      • Partnerships with large household insurance brands drive weighted provider share in this market
  • Other distribution channels
    • Gas boiler manufacturers
      • Optional cover is only available from a few boiler brands
    • Direct sales
      • Some home assistance firms and one energy provider sell directly to the public
    • Online aggregators and brokers
      • Belgium's aggregators do not offer home emergency cover as a distinct product
    • Other online brands
    • Payment cards and bank accounts
    • Automotive clubs
      • VAB is active as a partner of household insurance brands but does not sell directly to consumers
    • Other types of distributor
  • Market size, growth and forecast
    • In nominal terms, Belgium's home emergency market is growing at almost 4% per year
    • Comprehensive cover accounts for the vast majority of the total number of policies in force
    • In terms of premiums, distribution via household insurers accounts for well over a half of the total
    • Between 2013 and 2017, the compound annual growth rate is likely to moderate somewhat

5.0 FRANCE

  • Introduction
  • Dwelling stock data
    • The number of occupied dwellings grew at a compound annual rate of over 1% between 2009 and 2013
    • Less than 60% of occupied dwellings are lived in by the owner of the property
  • Distribution through key partner organisations
    • Summary of organisations researched
    • Provision rates
      • The majority of French energy suppliers offer one or more types of home emergency policy...
      • ...and Direct Energie promotes a notably wide range of individual and combined policy options
      • Specific water and plumbing cover is available from almost two thirds of water companies...
      • ...several of which also offer other types of home emergency cover
      • Many of France's largest household insurers also offer comprehensive home emergency cover...
      • ...and a third of underwriters offer separate policies for water and plumbing problems
      • Mutual insurers are prominent in the ranking of leading underwriting groups for household cover
    • Operating models
      • Close to a half of distributors work with a single external provider for home emergency cover...
      • ...albeit some large household insurance brands make use of captive assistance firms...
      • ...and internally-organised schemes are also relatively common
    • Partnerships with energy companies
      • AXA Assistance is the most significant home emergency partner for energy companies...
      • ...although providers such as Doméo and Mondial Assistance are also active in this sector
      • France's largest supplier of natural gas reportedly organises its own assistance schemes
    • Partnerships with water companies
      • Private companies play a significant role in the distribution of water to French consumers
      • Suez Environnement works with AXA Assistance and Veolia with Doméo...
      • ...with the latter company now wholly-owned by HomeServe
      • Veolia also maintains dedicated websites for stand-alone sales of this product
    • Partnerships with household insurance brands
      • Mondial Assistance has accumulated the largest number of distribution partners in this area
      • Inter Mutuelles Assistance works with several large mutual insurers
      • Captive assistance firms belonging to Covéa and Groupama play a significant role here...
      • At least three other assistance firms are also active in this sphere...
      • ...albeit a number of household insurance brands reportedly organise assistance on an internal basis
    • Weighted competitor share of partnerships with key partner organisations
      • Across all types of partnerships and on a weighted basis, AXA Assistance is ranked first
  • Other distribution channels
    • Gas boiler manufacturers
      • Bosch, Frisquet, Saunier Duval and Vaillant all offer gas boiler extended warranties of up to five years
    • Direct sales
      • Two assistance firms market home emergency cover directly to consumers...
      • ...but most have not yet entered this channel
    • Online aggregators and brokers
      • One aggregator is effectively a tied distributor for Doméo
    • Other online brands
    • Payment cards and bank accounts
      • A handful of credit cards and packaged accounts feature home assistance
    • Automotive clubs
    • Other types of distributor
  • Market size, growth and forecast
    • The French market grew at a nominal compound annual rate of almost 4% between 2009 and 2013
    • Doméo has approximately 900,000 customers in France
    • Comprehensive cover accounts for around 60% of all home emergency policies in force
    • In terms of premiums, distribution via household insurers accounts for a majority of the total
    • The outlook up to 2017 is likely to be for further steady but unspectacular growth in the market value

6.0 GERMANY

  • Introduction
  • Dwelling stock data
    • There are around 40 million occupied dwellings in Germany...
    • ...and almost a half of these are rented out privately
  • Distribution through key partner organisations
    • Summary of organisations researched
    • Provision rates
      • Only a handful of German energy and water suppliers provide home emergency cover...
      • ...and, with a few exceptions, these policies take the form of comprehensive cover
      • Household insurers offering comprehensive home emergency cover usually do so for an extra fee
      • Almost 30% of household insurance brands offer cover for plumbing and water emergencies
    • Operating models
      • Several external and captive home assistance providers operate in this market...
      • ...although many utility firms and insurers simply maintain their own database of approved tradespersons
    • Partnerships with energy companies
      • AXA Assistance and ROLAND Assistance are both active in this area
    • Partnerships with water companies
      • Several water companies have chosen to operate their own schemes internally
    • Partnerships with household insurance brands
      • ROLAND Assistance maintains a number of external partnerships with insurance brands
      • Captive providers include Allianz Global Assistance and Europ Assistance
      • A number of significant underwriters operate their own home emergency schemes
    • Weighted competitor share of partnerships with key partner organisations
      • Allianz Global Assistance and AXA Assistance are dominant thanks to their captive partnerships
  • Other distribution channels
    • Gas boiler manufacturers
      • A majority of German boiler manufacturers offer on-going maintenance contracts
    • Direct sales
      • HomeServe is present in the German market but yet to have a substantial impact
    • Online aggregators and brokers
      • Price comparison sites only offer this product as part of regular household insurance policies
    • Other online brands
    • Payment cards and bank accounts
      • Home assistance is rarely available through credit cards or packaged bank accounts
    • Automotive clubs
    • Other types of distributor
  • Market size, growth and forecast
    • The market value is likely to have been around 12.7% higher in 2013 than in 2009
    • Policies designed to cover water and plumbing emergencies make up most of the total in force
    • More than half of all home emergency policies are distributed via household insurers
    • The apparent absence of direct selling activity points to limited future growth

7.0 ITALY

  • Introduction
  • Dwelling stock data
    • Slightly over 50% of Italy's dwelling stock takes the form of flats
    • Owner-occupied dwellings easily outnumber privately or socially rented dwellings
  • Distribution through key partner organisations
  • Summary of organisations researched
  • Provision rates
    • The majority of Italian energy suppliers provide comprehensive home emergency cover...
    • ...whereas water companies are less active in distributing this product
    • The vast majority of Italy's household insurers provide home emergency cover as a standard policy feature
  • Operating models
    • Around two thirds of distributors work with a single external provider for home emergency cover...
    • ...but a number of household insurance brands make use of captive assistance firms
  • Partnerships with energy companies
    • The leading provider in this distribution segment benefits from its group-level deal with A2A...
    • ...and leading energy supplier Enel collaborates with two providers for different products here
  • Partnerships with water companies
    • Subsidiaries of AXA and HomeServe have both established partnerships in this area
  • Partnerships with household insurance brands
    • Europ Assistance holds the largest number of partnerships with household insurers...
    • ...although Allianz Global Assistance and IMA Italia Assistance are also very active here
    • Captive home emergency providers include Blue Assistance and AXA Assistance
  • Weighted competitor share of partnerships with key partner organisations
    • Six assistance providers are likely to account for over 95% of the value of the total market
  • Other distribution channels
    • Gas boiler manufacturers
      • Nine out of ten companies researched offer extended warranties for up to five years
    • Direct sales
      • Some direct providers promote a single product covering multiple types of emergency...
      • ...whereas Assistenza Casa offers separate policies for water, gas and electrical problems
    • Online aggregators and brokers
      • Italy's aggregators do not offer home emergency cover as a distinct product...
      • ... although at least one broker does
    • Other online brands
    • Payment cards and bank accounts
      • Almost 20% of credit card products feature automatically bundled home assistance
    • Automotive clubs
      • ACI acts as a provider to several household insurance brands but does not sell directly
    • Other types of distributor
      • One major specialised lender has introduced a stand-alone home assistance product
  • Market size, growth and forecast
    • A rising stock of dwellings and increasing consumer awareness cause the market value to grow
    • Comprehensive cover (packaged automatically) accounts for the vast majority of policies in force
    • Distribution via household insurers accounts for close to a half of the market value
    • Packaging with credit cards generates a large number of relatively low-value policies
    • In spite of Italy's economic troubles, further growth is forecast for the home assistance market

8.0 NETHERLANDS

  • Dwelling stock data
    • There are approximately 7.2 million occupied dwellings in the Netherlands...
    • ...and around one third of these are socially rented
  • Distribution through key partner organisations
    • Summary of organisations researched
    • Provision rates
      • Some of the largest Dutch energy suppliers offer home emergency cover...
      • ...whereas only around 750,000 water customers have access to this product through a water supplier
      • Significantly, the majority of household insurance brands offer home emergency cover as standard
  • Operating models
    • More than 40% of distributors collaborate with external providers of home emergency cover...
    • ...but many household insurance brands organise their schemes on a captive or internal basis
  • Partnerships with energy companies and water companies
  • Partnerships with household insurance brands
    • SOS International has the largest unweighted number of partnerships in this area...
    • ...although Eurocross Assistance and VHD Alarmcentrale each hold key relationships
    • Allianz Global Assistance is active both as a captive entity and as an external partner
    • On a weighted basis, Eurocross Assistance is likely to be the most significant provider
  • Other distribution channels
    • Gas boiler manufacturers
    • Direct sales
    • Online aggregators and brokers
      • Aggregators only offer home emergency cover as a feature within regular household insurance
    • Other online brands
    • Payment cards and bank accounts
    • Automotive clubs
      • ANWB provides emergency cover as part of its regular household insurance activities
    • Other types of distributor
  • Market size, growth and forecast
    • The Dutch home emergency market is likely to be growing at a modest annual rate
    • Many households in the Netherlands are covered by multiple home emergency policies
    • Comprehensive cover accounts for more than 40% of the total number of policies in force
    • Distribution via household insurers accounts for a narrow majority of total home emergency revenues
    • Premiums from home emergency cover are expected to carry on increasing at a steady rate

9.0 POLAND

  • Introduction
  • Dwelling stock data
    • Poland has an estimated 13 million occupied dwellings...
    • ...and the vast majority of these are lived in by the owner of the property
  • Distribution through key partner organisations
    • Summary of organisations researched
    • Provision rates
      • Hardly any Polish utilities companies offer home assistance to their customers...
      • ...although ENERGA has a number of optional products in this area
      • Virtually all household insurance brands distribute this product in one way or another...
      • ...and the top five non-life underwriters each include home emergency cover automatically
    • Operating models
      • The vast majority of distributors in Poland work with external assistance providers
    • Partnerships with energy companies
      • Inter Partner Assistance is the only provider identified as working with an energy company
    • Partnerships with water companies
    • Partnerships with household insurance brands
      • Europ Assistance and Mondial Assistance account for the majority of partnerships with insurers...
      • ...whereas at least one home-grown competitor is also active within this sector
    • Weighted competitor share of partnerships with key partner organisations
      • Partnerships with multiple large household insurers prove decisive for Mondial Assistance
  • Other distribution channels
    • Gas boiler manufacturers
      • All Polish boiler manufacturers seem to offer annual service contracts
    • Direct sales
    • Online aggregators and brokers
      • Aggregators and brokers only offer home emergency cover as part of regular household policies
    • Other online brands
    • Payment cards and bank accounts
      • A number of credit cards and packaged bank accounts feature automatic or optional cover
    • Automotive clubs
      • Poland's main automotive club is actively distributing this product to its members
    • Other types of distributor
  • Market size, growth and forecast
    • The Polish home emergency market is growing at more than 4% per annum in nominal terms
    • Comprehensive cover accounts for the vast majority of home emergency policies in force
    • By volume, distribution via household insurance brands accounts for almost 60% of the market
    • ...whereas gas boiler maintenance plans account for the majority of revenues
    • The market is expected to achieve further modest growth between 2013 and 2017

10.0 SPAIN

  • Introduction
  • Dwelling stock data
    • A comparatively high proportion of Spain's 27 million dwellings are unoccupied...
    • ...although more than 80% of occupied dwellings are inhabited by the owner of the property
  • Distribution through key partner organisations
    • Summary of organisations researched
    • Provision rates
      • A number of Spain's energy companies offer one or more types of optional home emergency cover
      • There are several thousand local water suppliers across Spain...
      • ...and, thanks to Agbar's activities in this area, many of these offer home emergency cover...
      • ... by means of Seguragua, which is a joint venture with HomeServe
      • The vast majority of regular household insurers provide electrical and water cover as standard...
      • ...but few underwriters offer comprehensive home emergency coverage
      • All of the major household insurance underwriters are active in distributing this product
    • Operating models
      • Only a fifth of distributors work with a single external provider for home emergency cover
      • There are some captive and joint venture providers active in this market...
      • ...although roughly half of all distributors operate their schemes on a purely internal basis
      • Some distributors' methods vary depending on the nature or location of the emergency
    • Partnerships with energy companies
    • MAPFRE and Reparalia are among the providers collaborating with Spanish energy companies...
      • ...although the number of partnerships in this sector is apparently limited
    • Partnerships with water companies
      • Agbar's joint venture with HomeServe is the only assistance provider active in this sector
    • Partnerships with household insurance brands
      • Asitur Asistencia has amassed the largest number of distribution partners in this area
      • Inter Partner Assistance acts as both a captive provider and an external partner
      • Other captive or joint venture entities include Allianz Global Assistance and Servihogar 24h
      • A number of household insurers organise assistance on a purely internal basis
      • The provision of services related to home emergencies is a core aspect of Multiasistencia's business...
      • ...and it is also important for Servihogar 24h, the joint venture of Liberty Seguros and RACC
    • Weighted competitor share of partnerships with key partner organisations
      • Across all types of partnerships and on a weighted basis, Inter Partner Assistance is ranked first
  • Other distribution channels
    • Gas boiler manufacturers
      • Spanish boiler manufacturers offer extended warranties and annual service plans...
      • ... and there is a legal requirement for gas boilers to undergo basic safety checks on a regular basis
    • Direct sales
      • Only Reparalia has begun selling directly to consumers
    • Online aggregators and brokers
      • Aggregators only offer home emergency cover as part of regular household policies
    • Other online brands
    • Payment cards and bank accounts
      • Some payment cards can feature home assistance, but this is usually an optional extra
    • Automotive clubs
      • RACC promotes home emergency cover through Servihogar24
    • Other types of distributor
  • Market size, growth and forecast
    • The Spanish market grew at a nominal compound annual rate of around 2.9% between 2009 and 2013
    • Reparalia has seen its number of electrical-only policyholders soar thanks to its deal with Endesa
    • The penetration rate across Spanish dwellings is largely driven by the penetration rate for home insurance
    • Comprehensive policies account for only a fraction of the total number of policies in force
    • Sales via household insurers are highly significant, both in terms of policy volumes and premiums
    • The Spanish market is expected to see further gentle growth up to 2017

11.0 SWITZERLAND

  • Introduction
  • Dwelling stock data
    • Virtually all of Switzerland's 4.2 million dwellings are occupied...
    • ...although a significant proportion of them are privately rented flats
  • Distribution through key partner organisations
    • Summary of organisations researched
    • Provision rates
      • Swiss energy and water suppliers have yet to begin actively distributing this product...
      • ...whereas a number of household insurers do offer home emergency cover
    • Operating models
      • Captive assistance firms and internally-organised schemes dominate the Swiss market
      • ...and Vaudoise Assurances makes use of its broader relationship with Europ Assistance
    • Partnerships with energy companies and water companies
    • Partnerships with household insurance brands
      • Comparatively few assistance providers are active through partnerships in this market
      • On a weighted basis, Inter Partner Assistance appears to be the most significant provider
  • Other distribution channels
    • Gas boiler manufacturers
      • Swiss boiler manufacturers typically offer long-term maintenance contracts
    • Direct sales
    • Online aggregators and brokers
      • Swiss aggregators do not offer home emergency cover as a separate product
    • Other online brands
    • Payment cards and bank accounts
    • Automotive clubs
    • Other types of distributor
  • Market size, growth and forecast
    • The value of the Swiss home emergency market is growing at close to 2% per year
    • Gas boiler maintenance contracts are likely to account for a substantial share of all policies in force
    • By volume, distribution via household insurance brands accounts for more than half of the market
    • ...although gas boiler maintenance plans account for the majority of revenues
    • The market is expected to achieve further modest growth between 2013 and 2017

12.0 UK

  • Introduction
  • Dwelling stock data
    • There are around 27 million occupied dwellings in the UK...
    • ...and nearly 65% of these are lived in by the owner of the property
  • Distribution through key partner organisations
    • Summary of organisations researched
    • Provision rates
      • Less than half of UK energy suppliers offer customers the chance to take out gas and boiler cover...
      • ...whereas the availability of all types of home emergency cover is higher among water companies
      • Most household insurers also offer comprehensive home emergency cover, typically as an upgrade...
      • ...and those that do not offer comprehensive cover offer lower-value emergency policies instead
    • Operating models
      • Three quarters of UK distributors work with a single external provider for home emergency cover...
      • ...although several energy companies opt for captive or internal provision instead
      • Household insurance brands using captives in this area include Allianz, AXA and Direct Line
    • Partnerships with energy companies
      • Two captive providers (plus one former captive) account for the majority of significant partnerships here...
      • ...although both Aria Assistance and AXA Assistance are active as external providers in this sector
    • Partnerships with water companies
      • The duo of HomeServe and AXA hold the majority of contracts with water suppliers...
      • ...and British Gas Services and DAS also hold distribution partnerships for multiple policy types
    • Partnerships with household insurance brands
      • AXA Assistance and DAS are the leading partners for household insurers
      • ... although there are several other significant non-captive competitors...
      • ...and several household insurance brands, including MORETH>N, run their schemes internally
    • Weighted competitor share of partnerships with key partner organisations
      • The majority of providers concentrate on forging agreements with just one type of distributor
  • Other distribution channels
    • Gas boiler manufacturers
      • Optional cover is available from all the main boiler brands present in the UK
    • Direct sales
      • Many leading providers also sell direct to the public
    • Online aggregators and brokers
      • Several insurance aggregators compare home assistance as a separate product...
      • ... and several leading brokers have created their own product
    • Other online brands
      • Home assistance cover specific to landlords is available from HomeGuard
      • Home 3 Assistance has grown rapidly since its launch in 2009
    • Payment cards and bank accounts
      • A handful of added value bank accounts include home emergency cover
    • Automotive clubs
      • The AA offers a number of policies via its 'AA Home Membership' banner
    • Other types of distributor
      • Cover is available from various other sources including affinity brands such as Saga
  • Market size, growth and forecast
    • Growth in the UK market has been curtailed in recent years by several factors...
    • ... although it was still worth substantially more in 2013 than it had been in 2009
    • The FCA has undertaken an in-depth investigation into the workings of the UK market
    • HomeServe's UK business has declined but is forecast to stabilise at 1.9 million customers
    • British Gas Insurance reportedly generates very high revenues per customer
    • Gas and boiler cover accounts for over a third of the total number of policies in force
    • Distribution via household insurance accounts for a relatively thin slice of the total market
    • Discounting inflation, the market is forecast to edge up at a real compound annual rate of 1.3% up to 2017

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

  • Key market data for home emergency insurance in Europe, 2009 and 2013

1.0 INTRODUCTION

  • Number of energy companies, water companies and household insurance brands covered by the research, segmented by country and by type of organisation, 2014

2.0 REGIONAL OVERVIEW

  • Number of occupied dwellings in Europe, segmented by country, 2013
  • Compound annual growth in the number of occupied dwellings in Europe, segmented by country, 2009 to 2013
  • Number of occupied dwellings in Europe, segmented by country, 2009 and 2013 (table)
  • Total dwelling stock in Europe, segmented by country and by type of dwelling, 2013
  • Occupied dwelling stock in Europe, segmented by country and by type of occupant, 2013
  • Dwelling stock in Europe, segmented by country, by type of dwelling and by type of occupant, 2013 (table)
  • Provision rates for home emergency insurance in Europe, segmented by country and by type of policy, 2014: energy companies
  • Provision rates for home emergency insurance in Europe, segmented by country and by type of policy, 2014: energy companies (table)
  • Provision rates for home emergency insurance in Europe, segmented by country and by type of policy, 2014: water companies
  • Provision rates for home emergency insurance in Europe, segmented by country and by type of policy, 2014: water companies (table)
  • Provision rates for home emergency insurance in Europe, segmented by country and by type of policy, 2014: household insurance brands
  • Provision rates for home emergency insurance in Europe, segmented by country and by type of policy, 2014: household insurance brands (table)
  • Extent to which home emergency insurance schemes in Europe are optional as opposed to automatic, segmented by country, 2014
  • Extent to which home emergency insurance schemes in Europe are optional as opposed to automatic, segmented by country, 2014 (table)
  • Operating models used by key partner organisations for home emergency insurance in Europe, segmented by country, 2014
  • Operating models used by key partner organisations for home emergency insurance in Europe, segmented by country, 2014 (table)
  • Weighted market concentration of providers used by key partner organisations for home emergency insurance in Europe, segmented by country, 2014
  • Weighted market concentration of providers used by key partner organisations for home emergency insurance in Europe, segmented by country, 2014 (table)
  • Leading providers used by key partner organisations for home emergency insurance in Europe, 2014
  • Provision rates for home emergency insurance linked to credit cards in Europe, segmented by country, 2012
  • Provision rates for home emergency insurance linked to packaged bank accounts in Europe, segmented by country, 2012
  • Provision rates for home emergency insurance by gas boiler manufacturers in Europe, segmented by country, 2014
  • Proportion of occupied dwellings in Europe that have any form of home emergency insurance, segmented by country, 2013
  • Number of occupied dwellings in Europe that have any form of home emergency insurance, segmented by country, 2013
  • Number of policies per dwelling in Europe that has any form of home emergency insurance, segmented by country, 2013
  • Relative size of estimated gross written premiums from home emergency insurance in Europe, segmented by country, 2013
  • Compound annual growth in estimated gross written premiums from home emergency insurance in Europe, segmented by country, 2009 to 2013
  • Estimated gross written premiums from home emergency insurance, segmented by country, 2009 and 2013
  • Number of home emergency insurance policies in Europe, segmented by country and by type of policy, 2013
  • Number of home emergency insurance policies in Europe, segmented by country and by type of policy, 2013 (table)
  • Gross written premiums from home emergency insurance in Europe, segmented by country and by type of policy, 2013
  • Gross written premiums from home emergency insurance in Europe, segmented by country and by distribution channel, 2013
  • Gross written premiums from home emergency insurance in Europe, segmented by country and by distribution channel, 2013 (table)
  • Number of home emergency insurance policies in Europe, segmented by country and by distribution channel, 2013
  • Forecast compound annual growth in gross written premiums from home emergency insurance in Europe, segmented by country, 2013 to 2017
  • Forecast gross written premiums from home emergency insurance, segmented by country, 2017

3.0 AUSTRIA

  • Dwelling stock in Austria, segmented by type of dwelling and by type of occupant, 2013
  • Key metrics regarding dwelling stock in Austria, 2009, 2013 and forecast for 2017
  • Summary of potential distributor organisations researched in Austria, segmented by type, 2014
  • Provision rates for home emergency insurance in Austria, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in Austria are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in Austria are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014 (table)
  • Operating models used for home emergency insurance in Austria, segmented by type of organisation, 2014
  • Operating models used for home emergency insurance in Austria, segmented by type of organisation, 2014 (table)
  • Unweighted competitor share of partnerships for home emergency insurance in Austria, 2014: household insurance brands
  • Weighted competitor share of partnerships for home emergency insurance in Austria, 2014: household insurance brands
  • Estimated gross written premiums from home emergency insurance in Austria, 2009 and 2013
  • Estimated gross written premiums from home emergency insurance in Austria, 2009 and 2013 (table)
  • Estimated number of home emergency insurance policies in Austria, segmented by type of policy, 201
  • Estimated gross written premiums from home emergency insurance in Austria, segmented by distribution channel, 2013
  • Estimated number of policies and gross written premiums for home emergency insurance in Austria, segmented by type of policy and by distribution channel, 2013
  • Forecast gross written premiums from home emergency insurance in Austria, 2017
  • Forecast gross written premiums from home emergency insurance in Austria, 2017 (table)

4.0 BELGIUM

  • Dwelling stock in Belgium, segmented by type of dwelling and by type of occupant, 2013
  • Key metrics regarding dwelling stock in Belgium, 2009, 2013 and forecast for 2017
  • Summary of potential distributor organisations researched in Belgium, segmented by type, 2014
  • Provision rates for home emergency insurance in Belgium, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in Belgium are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in Belgium are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014 (table)
  • Operating models used for home emergency insurance in Belgium, segmented by type of organisation, 2014
  • Operating models used for home emergency insurance in Belgium, segmented by type of organisation, 2014 (table)
  • Unweighted competitor share of partnerships for home emergency insurance in Belgium, 2014: energy companies
  • Unweighted competitor share of partnerships for home emergency insurance in Belgium, 2014: household insurance brands
  • Weighted competitor share of partnerships for home emergency insurance in Belgium, 2014
  • Estimated gross written premiums from home emergency insurance in Belgium, 2009 and 2013
  • Estimated gross written premiums from home emergency insurance in Belgium, 2009 and 2013 (table)
  • Estimated number of home emergency insurance policies in Belgium, segmented by type of policy, 2013
  • Estimated gross written premiums from home emergency insurance in Belgium, segmented by distribution channel, 2013
  • Estimated number of policies and gross written premiums for home emergency insurance in Belgium, segmented by type of policy and by distribution channel, 2013
  • Forecast gross written premiums from home emergency insurance in Belgium, 2017
  • Forecast gross written premiums from home emergency insurance in Belgium, 2017 (table)

5.0 FRANCE

  • Dwelling stock in France, segmented by type of dwelling and by type of occupant, 2013
  • Key metrics regarding dwelling stock in France, 2009, 2013 and forecast for 2017
  • Summary of potential distributor organisations researched in France, segmented by type, 2014
  • Provision rates for home emergency insurance in France, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in France are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in France are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014 (table)
  • Operating models used for home emergency insurance in France, segmented by type of organisation, 2014
  • Operating models used for home emergency insurance in France, segmented by type of organisation, 2014 (table)
  • Unweighted competitor share of partnerships for home emergency insurance in France, 2014: energy companies
  • Unweighted competitor share of partnerships for home emergency insurance in France, 2014: water companies
  • Unweighted competitor share of partnerships for home emergency insurance in France, 2014: household insurance brands
  • Weighted competitor share of partnerships for home emergency insurance in France, 2014
  • Estimated gross written premiums from home emergency insurance in France, 2009 and 2013
  • Estimated gross written premiums from home emergency insurance in France, 2009 and 2013 (table)
  • Estimated number of home emergency insurance policies in France, segmented by type of policy, 2013
  • Estimated gross written premiums from home emergency insurance in France, segmented by distribution channel, 2013
  • Estimated number of policies and gross written premiums for home emergency insurance in France, segmented by type of policy and by distribution channel, 2013
  • Forecast gross written premiums from home emergency insurance in France, 2017
  • Forecast gross written premiums from home emergency insurance in France, 2017 (table)

6.0 GERMANY

  • Dwelling stock in Germany, segmented by type of dwelling and by type of occupant, 2013
  • Key metrics regarding dwelling stock in Germany, 2009, 2013 and forecast for 2017
  • Summary of potential distributor organisations researched in Germany, segmented by type, 2014
  • Provision rates for home emergency insurance in Germany, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in Germany are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in Germany are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014 (table)
  • Operating models used for home emergency insurance in Germany, segmented by type of organisation, 2014
  • Operating models used for home emergency insurance in Germany, segmented by type of organisation, 2014 (table)
  • Unweighted competitor share of partnerships for home emergency insurance in Germany, 2014: energy companies
  • Unweighted competitor share of partnerships for home emergency insurance in Germany, 2014: water companies
  • Unweighted competitor share of partnerships for home emergency insurance in Germany, 2014: household insurance brands
  • Weighted competitor share of partnerships for home emergency insurance in Germany, 2014
  • Estimated gross written premiums from home emergency insurance in Germany, 2009 and 2013
  • Estimated gross written premiums from home emergency insurance in Germany, 2009 and 2013 (table)
  • Estimated number of home emergency insurance policies in Germany, segmented by type of policy, 2013
  • Estimated gross written premiums from home emergency insurance in Germany, segmented by distribution channel, 2013
  • Estimated number of policies and gross written premiums for home emergency insurance in Germany, segmented by type of policy and by distribution channel, 2013
  • Forecast gross written premiums from home emergency insurance in Germany, 2017
  • Forecast gross written premiums from home emergency insurance in Germany, 2017 (table)

7.0 ITALY

  • Dwelling stock in Italy, segmented by type of dwelling and by type of occupant, 2013
  • Key metrics regarding dwelling stock in Italy, 2009, 2013 and forecast for 2017
  • Summary of potential distributor organisations researched in Italy, segmented by type, 2014
  • Provision rates for home emergency insurance in Italy, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in Italy are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in Italy are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014 (table)
  • Operating models used for home emergency insurance in Italy, segmented by type of organisation, 2014
  • Operating models used for home emergency insurance in Italy, segmented by type of organisation, 2014 (table)
  • Unweighted competitor share of partnerships for home emergency insurance in Italy, 2014: energy companies
  • Unweighted competitor share of partnerships for home emergency insurance in Italy, 2014: water companies
  • Unweighted competitor share of partnerships for home emergency insurance in Italy, 2014: household insurance brands
  • Weighted competitor share of partnerships for home emergency insurance in Italy, 2014
  • Estimated gross written premiums from home emergency insurance in Italy, 2009 and 2013
  • Estimated gross written premiums from home emergency insurance in Italy, 2009 and 2013 (table)
  • Estimated number of home emergency insurance policies in Italy, segmented by type of policy, 2013
  • Estimated gross written premiums from home emergency insurance in Italy, segmented by distribution channel, 2013
  • Estimated number of policies and gross written premiums for home emergency insurance in Italy, segmented by type of policy and by distribution channel, 2013
  • Forecast gross written premiums from home emergency insurance in Italy, 2017
  • Forecast gross written premiums from home emergency insurance in Italy, 2017 (table)

8.0 NETHERLANDS

  • Dwelling stock in the Netherlands, segmented by type of dwelling and by type of occupant, 2013
  • Key metrics regarding dwelling stock in the Netherlands, 2009, 2013 and forecast for 2017
  • Summary of potential distributor organisations researched in the Netherlands, segmented by type, 2014
  • Provision rates for home emergency insurance in the Netherlands, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in the Netherlands are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in the Netherlands are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014 (table)
  • Operating models used for home emergency insurance in the Netherlands, segmented by type of organisation, 2014
  • Operating models used for home emergency insurance in the Netherlands, segmented by type of organisation, 2014 (table)
  • Unweighted competitor share of partnerships for home emergency insurance in the Netherlands, 2014: household insurance brands
  • Weighted competitor share of partnerships for home emergency insurance in the Netherlands, 2014: household insurance brands
  • Estimated gross written premiums from home emergency insurance in the Netherlands, 2009 and 2013
  • Estimated gross written premiums from home emergency insurance in the Netherlands, 2009 and 2013 (table)
  • Estimated number of home emergency insurance policies in the Netherlands, segmented by type of policy, 2013
  • Estimated gross written premiums from home emergency insurance in the Netherlands, segmented by distribution channel, 2013
  • Estimated number of policies and gross written premiums for home emergency insurance in the Netherlands, segmented by type of policy and by distribution channel, 2013
  • Forecast gross written premiums from home emergency insurance in the Netherlands, 2017
  • Forecast gross written premiums from home emergency insurance in the Netherlands, 2017 (table)

9.0 POLAND

  • Dwelling stock in Poland, segmented by type of dwelling and by type of occupant, 2013
  • Key metrics regarding dwelling stock in Poland, 2009, 2013 and forecast for 2017
  • Summary of potential distributor organisations researched in Poland, segmented by type, 2014
  • Provision rates for home emergency insurance in Poland, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in Poland are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in Poland are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014 (table)
  • Operating models used for home emergency insurance in Poland, segmented by type of organisation, 2014
  • Operating models used for home emergency insurance in Poland, segmented by type of organisation, 2014 (table)
  • Unweighted competitor share of partnerships for home emergency insurance in Poland, 2014: energy companies
  • Unweighted competitor share of partnerships for home emergency insurance in Poland, 2014: household insurance brands
  • Weighted competitor share of partnerships for home emergency insurance in Poland, 2014
  • Estimated gross written premiums from home emergency insurance in Poland, 2009 and 2013
  • Estimated gross written premiums from home emergency insurance in Poland, 2009 and 2013 (table)
  • Estimated number of home emergency insurance policies in Poland, segmented by type of policy, 2013
  • Estimated gross written premiums from home emergency insurance in Poland, segmented by distribution channel, 2013
  • Estimated number of policies and gross written premiums for home emergency insurance in Poland, segmented by type of policy and by distribution channel, 2013
  • Forecast gross written premiums from home emergency insurance in Poland, 2017
  • Forecast gross written premiums from home emergency insurance in Poland, 2017 (table)

10.0 SPAIN

  • Dwelling stock in Spain, segmented by type of dwelling and by type of occupant, 2013
  • Key metrics regarding dwelling stock in Spain, 2009, 2013 and forecast for 2017
  • Summary of potential distributor organisations researched in Spain, segmented by type, 2014
  • Provision rates for home emergency insurance in Spain, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in Spain are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in Spain are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014 (table)
  • Operating models used for home emergency insurance in Spain, segmented by type of organisation, 2014
  • Operating models used for home emergency insurance in Spain, segmented by type of organisation, 2014 (table)
  • Unweighted competitor share of partnerships for home emergency insurance in Spain, 2014: energy companies
  • Unweighted competitor share of partnerships for home emergency insurance in Spain, 2014: water companies
  • Unweighted competitor share of partnerships for home emergency insurance in Spain, 2014: household insurance brands
  • Weighted competitor share of partnerships for home emergency insurance in Spain, 2014
  • Estimated gross written premiums from home emergency insurance in Spain, 2009 and 2013
  • Estimated gross written premiums from home emergency insurance in Spain, 2009 and 2013 (table)
  • Estimated number of home emergency insurance policies in Spain, segmented by type of policy, 2013
  • Estimated gross written premiums from home emergency insurance in Spain, segmented by distribution channel, 2013
  • Estimated number of policies and gross written premiums for home emergency insurance in Spain, segmented by type of policy and by distribution channel, 2013
  • Forecast gross written premiums from home emergency insurance in Spain, 2017
  • Forecast gross written premiums from home emergency insurance in Spain, 2017 (table)

11.0 SWITZERLAND

  • Dwelling stock in Switzerland, segmented by type of dwelling and by type of occupant, 2013
  • Key metrics regarding dwelling stock in Switzerland, 2009, 2013 and forecast for 2017
  • Summary of potential distributor organisations researched in Switzerland, segmented by type, 2014
  • Provision rates for home emergency insurance in Switzerland, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in Switzerland are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in Switzerland are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014 (table)
  • Operating models used for home emergency insurance in Switzerland, segmented by type of organisation, 2014
  • Operating models used for home emergency insurance in Switzerland, segmented by type of organisation, 2014 (table)
  • Unweighted competitor share of partnerships for home emergency insurance in Switzerland, 2014: household insurance brands
  • Weighted competitor share of partnerships for home emergency insurance in Switzerland, 2014: household insurance brands
  • Estimated gross written premiums from home emergency insurance in Switzerland, 2009 and 2013
  • Estimated gross written premiums from home emergency insurance in Switzerland, 2009 and 2013 (table)
  • Estimated number of home emergency insurance policies in Switzerland, segmented by type of policy, 2013
  • Estimated gross written premiums from home emergency insurance in Switzerland, segmented by distribution channel, 2013
  • Estimated number of policies and gross written premiums for home emergency insurance in Switzerland, segmented by type of policy and by distribution channel, 2013
  • Forecast gross written premiums from home emergency insurance in Switzerland, 2017
  • Forecast gross written premiums from home emergency insurance in Switzerland, 2017 (table)

12.0 UK

  • Dwelling stock in the UK, segmented by type of dwelling and by type of occupant, 2013
  • Key metrics regarding dwelling stock in the UK, 2009, 2013 and forecast for 2017
  • Summary of potential distributor organisations researched in the UK, segmented by type, 2014
  • Provision rates for home emergency insurance in the UK, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in the UK are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014
  • Extent to which home emergency insurance schemes in the UK are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2014 (table)
  • Operating models used for home emergency insurance in the UK, segmented by type of organisation, 2014
  • Operating models used for home emergency insurance in the UK, segmented by type of organisation, 2014 (table)
  • Unweighted competitor share of partnerships for home emergency insurance in the UK, 2014: energy companies
  • Unweighted competitor share of partnerships for home emergency insurance in the UK, 2014: water companies
  • Unweighted competitor share of partnerships for home emergency insurance in the UK, 2014: household insurance brands
  • Weighted competitor share of partnerships for home emergency insurance in the UK, 2014
  • Estimated gross written premiums from home emergency insurance in the UK, 2009 and 2013
  • Estimated gross written premiums from home emergency insurance in the UK, 2009 and 2013 (table)
  • Estimated number of home emergency insurance policies in the UK, segmented by type of policy, 2013
  • Estimated gross written premiums from home emergency insurance in the UK, segmented by distribution channel, 2013
  • Estimated number of policies and gross written premiums for home emergency insurance in the UK, segmented by type of policy and by distribution channel, 2013
  • Forecast gross written premiums from home emergency insurance in the UK, 2017
  • Forecast gross written premiums from home emergency insurance in the UK, 2017 (table)
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