北歐及中歐消費者汽車金融服務市場 是由出版商Finaccord Ltd.在2011年01月所出版的。
這份英文市場調查報告書包含420 pages 價格從美金4942起跳。
本報告為，匯整北歐及中歐10國乘用車、汽車經銷商之地區數據、汽車金融服務市場趨勢及競合分析，並含10個調查國家各市場乘用車數據、消費者汽車金融服務之市場規模、汽車經銷商調查、競合企業情形等，以下列摘要形式闡述。
實施概要
第1章 簡介
第2章 地區別概要
- 簡介
- 乘用車數據
- 金融及租賃業
- 信用保險
- 汽車保險
- 道路救援
- 延長保證期間
- 預付服務/維修合約
- GAP保險
第3∼12章 各國市場
- 簡介
- 乘用車數據
- 消費者汽車金融服務之市場規模
- 金融及租賃業：市場規模及成長
- 規模別汽車保險、保證、救援市場（2010年）
- 汽車經銷商調查
- 競合企業動態：經銷商合作關係
- 競合企業動態：品牌製造商合作關係
調查國家（10國）
- 奧地利
- 捷克
- 丹麥
- 芬蘭
- 德國
- 匈牙利
- 挪威
- 波蘭
- 瑞典
- 瑞士
圖表
Abstract
Finaccord' s report titled Consumer Automotive Financial Services in Northern
and Central Europe investigates the market for automotive financial services
linked to sales of new and used passenger cars in Northern and Central Europe.
In addition to analysing the EUR 77.1 billion market for finance and leasing
services, the study also covers ancillary automotive financial services
markets including creditor insurance, motor insurance, road assistance,
extended warranties, pre-paid service contracts and GAP insurance. The
revenues generated from high margin ancillary products, which Finaccord
quantifies for the first time in any published study, are crucial to enhancing
the profits of a variety of market participants including dealers,
manufacturers and independent finance providers. The report draws on a
survey of 535 leading car dealerships in ten countries in Northern and Central
Europe, Austria, the Czech Republic, Denmark, Finland, Germany, Hungary,
Norway, Poland, Sweden and Switzerland, as well as an analysis of the approach
to consumer automotive financial services of leading manufacturer groups
typically representing between 30 and 40 automotive brands, in the same
countries. The PartnerBASE™ database that accompanies the report details
each of the marketing initiatives for consumer automotive financial services
traced by Finaccord for both dealers and manufacturers. Together, the report
and database will provide you with the definitive guide to current and future
opportunities in consumer automotive financial services in Northern and
Central Europe. Key features of this report include: - coverage of the six
distinct sectors within consumer automotive financial services, namely finance
/ leasing, creditor insurance, motor insurance, road assistance, extended
warranties, pre-paid service contracts and GAP insurance plus top level
findings for other niche insurance markets, including tyre insurance; - for
the seven major products, provision of hitherto unpublished market size and
segmentation data for each of these markets generated from Finaccord' s
proprietary European Automotive Financial Services Model; - clear analysis
of the market for consumer finance and leasing services related to new and
used car sales by distribution channel, differentiating between the point of
sale and direct lenders; - presentation of unique data from the survey of
dealerships illustrating average customer take-up rates for consumer
automotive financial services at the point of sale in each country; -
identification of the partners used for consumer automotive financial services
by both dealerships and manufacturers, or their local importers, with
contextual commentary concerning key competitors.
Table of Contents
0.0 EXECUTIVE SUMMARY
- The credit crisis and recession have shaken the world of automotive
financial services
- The value of the finance and leasing market fell despite a short boom in
2009
- as the poor performance of the German market in 2010 pulled down the total
of the region
- Point-of-sale finance suffered more in comparison to direct lending
- although it proved resilient in Denmark and Norway
- In most countries the number of finance providers used is lower than in
2007
- Revenues from other financial services are proportionately highest in the
Czech Republic and Sweden
- The success of extended warranties and pre-paid service contracts differs
greatly within the region
1.0 INTRODUCTION
- What is this report about?
- The focus of the report is on financial services related to the sale of
passenger cars to individuals
- Rationale
- Financial services provision is crucial to the profitability of
automotive entities and extends to a range of insurance, warranty and
assistance concepts although published information on these markets remains
at a premium
- Methodology
- Dealer survey
- Manufacturer survey
- Market data
- Computation of market data is based on a complex set of assumptions and
variables�E�E�E
- Definitions
- Finance and leasing products
- Insurance, warranty and assistance products
- Captives and non-captives
- Abbreviations
- PartnerBASE™
- Finaccord
2.0 REGIONAL OVERVIEW
- Introduction
- Passenger vehicle data
- The region' s passenger car parc is growing at an average annual rate of
2.1%
- Hungary experienced the sharpest drop in new car sales between 2006 and
2010
- Combined sales of used cars grew in six out the ten countries between
2006 and 2010
- The Czech Republic registered the most rapid increase of used car sales
- Volkswagen is the leading manufacturer group in nine out of ten markets
- with the top five groups accounting for more than 60% of sales across
the region
- Finance and leasing
- Market size and growth
- Germany' s market is the region' s largest by far in terms of overall
credit agreements as well as when measured by the number of point-of-sale
finance and leasing contracts and it accounts for over 50% of the region' s
total market worth EUR 77.11 billion in value terms
- Private car finance for new cars peaked in 2009 with a market value of
EUR 92.7 billion
- Cash-only sales generally outperformed point-of-sale finance and
direct lending
- The boom of 2009 in point-of-sale finance for new passenger cars
distorted a general downward trend
- Direct lending for used cars increased slightly for the region as a
whole
- Between 2006 and 2010, the value of private car finance and leasing
fell at an annual average rate of 6.1%
- For the whole region, point-of-sale finance for new cars is still
worth more than that of direct lending while the value of gross advances
and assets leased in used car finance peaked in 2007
- Survey results
- Provision of finance and leasing services is fundamental to the
profitability of dealerships
- Dealers are most likely to work with a high number of finance
providers in Finland and the Czech Republic
- Over six years, the average number of finance providers used by
dealers has increased in two countries
- Captive finance providers exert the greatest control over dealerships
in Germany while their influence is very low in Finland
- Average customer take-up rates of point-of-sale finance or leasing for
used cars are highest in Sweden
- Dealerships in Poland have improved their effectiveness as
intermediaries
- Financial leasing makes up more than a half of finance contracts in
two countries
- A clear majority of manufacturer brands possess their own finance and
leasing schemes in nine countries
- Creditor insurance
- Market size
- The importance of creditor insurance differs dramatically from country
to country
- Survey results
- Dealers in Germany and the Czech Republic are most likely to offer
loan-related insurance
- Sweden achieves the highest cross-selling rates among customers taking
out finance contracts
- although higher dealer provision rates support overall take-up rates
for new cars in Germany and Austria
- Schemes for creditor insurance are sometimes organised on an indirect
basis
- Motor insurance
- Market size
- Manufacturer-branded motor insurance generates revenue of more than
EUR 200 million in five countries
- with the influence of the automotive trade being greatest in Norway
- Survey results
- Over 90% of dealers interviewed offer motor insurance in six out of
the ten territories
- On average, Czech dealerships liaise with over four underwriters each
for motor insurance
- Adherence to non-captive motor insurance propositions is most
prevalent in Hungary and Switzerland
- Average take-up rates for new cars for the region as a whole exceed 50%
- Overall take-up rates for used cars are highest in Hungary, Norway,
Poland and Sweden
- Enthusiasm for branded or endorsed motor insurance is high in nine of
the ten countries investigated
- Road assistance
- Market size
- Germany is the region' s largest market for manufacturer-branded and
dealer-intermediated road assistance
- Survey results
- The average dealer provision rate is close to 80% across the region
- Dealers in Poland typically collaborate with more than two providers
of road assistance services
- Where offered, Finnish dealerships focus on offering the services of
captive providers only
- Automatic packaging of road assistance with new car sales is the norm
in most countries
- pushing overall take-up rates in Hungary and Norway in particular
- Road assistance is increasingly a standard offering in the automotive
trade
- Extended warranties
- Market size
- The combined market value of Germany, Austria and Switzerland is over
EUR 1 billion
- Survey results
- On average, more than 60% of dealers in the region are active in
extended warranty sales
- The average number of providers used is highest in Sweden
- Dealerships stick to manufacturer or importer extended warranty
programs in most countries
- Take-up rates are especially high in Germany, Switzerland and Norway
- Overall take-up rates are quite low in Denmark and Finland
- It is very common for manufacturers to provide extended warranties in
Germany, Hungary and Austria
- Pre-paid service / maintenance contracts
- Market size
- In three out of the ten markets the development of the product is
still at a very early stage
- Survey results
- On average, more than half of dealers in the region are active in
pre-paid service sales
- Dealerships offering these contracts in Finland typically work with
more than one provider
- In Norway, this service is usually provided by non-captive providers
- Average take-up rates for pre-paid service contracts are especially
high in Switzerland
- while in overall terms they are also relatively high in Sweden
- An average of more than 40% of manufacturers in the region have
launched pre-paid service contracts
- GAP insurance
- Market size
- In five out of the ten countries there is a market for GAP insurance
on a stand-alone basis
- Survey results
- More than half of dealers in three countries are active in GAP
insurance sales
- Dealerships offering GAP insurance tend to work with only one provider
- Non-captive providers of GAP insurance predominate in two out of the
five countries where it is offered
- Average acquisition rates for GAP insurance for new passenger cars
exceed 20% in Germany
- while overall take-up rates for used cars remain limited across the
region
- In two countries it has become relatively common for manufacturer
brands to market GAP insurance
3.0 AUSTRIA
- Introduction
- Passenger vehicle data
- New car sales in Austria grew smoothly between 2006 and 2010
- Volkswagen remains the largest manufacturing group in the Austrian market
- Market size for consumer automotive financial services
- Finance and leasing - market size and growth
- Direct lenders have increased their share of the automotive finance
market
- while the value of point-of-sale finance for used cars has declined
- Automotive finance for private customers in Austria is split between
three different types of contract
- Automotive insurance, warranty and assistance markets by size, 2010
- Methodology
- Austria has a thriving market for various automotive financial services
- including extended warranties
- Six financial products are offered by more than 80% of dealers
- Dealers rarely work with more than one provider for niche products
- Take-up rates of extended warranties are higher for used cars than for
new cars
- Competitor dynamics: dealer partnerships
- Finance / leasing: Two providers account for more than half of all
non-captive partnerships
- Creditor insurance: nearly all dealers in Austria make this product
available
- Motor insurance: three insurers compete for almost half of all
partnerships
- Road assistance: captive providers dominate this product segment
- Extended warranties: nearly all dealers offer this product
- Pre-paid service contracts: a clear majority of dealers relies on
captive providers
- GAP insurance: a substantial minority of Austrian dealers make this
product available
- Competitor dynamics: manufacturer brand partnerships
- Manufacturer brands are often involved in the marketing of extended
warranties and service contracts
- Finance / leasing: about half of all manufacturers make this product
available on a captive basis
- Creditor insurance: Cardif and Swiss Life compete for the Austrian market
- Motor insurance: Garanta is established as the provider with the highest
number of partnerships
- Road assistance: the OAMTC accounts for about half of all weighted
partnerships
- Extended warranties: CarGarantie accounts for more than a third of all
partnerships
- Pre-paid service contracts: internal provision is the most common
operating model
- GAP insurance: more than a third of manufacturers weighted by car sales
offer the product
4.0 CZECH REPUBLIC
- Introduction
- Passenger vehicle data
- New car sales in the Czech Republic peaked in 2008
- while used car sales were at a historical high in 2010
- The dominance of the Volkswagen Group is not as strong as in the past
- Market size for consumer automotive financial services
- Finance and leasing - market size and growth
- Direct lending for new cars has seen a strong increase since 2006
- while the value of point-of-sale finance for new cars is still more
significant than for used cars
- Leasing is the preferred option for passenger car finance in the Czech
Republic
- Automotive insurance, warranty and assistance markets by size, 2010
- Methodology
- Motor insurance accounts for the bulk of premiums intermediated through
dealers
- with premium income for new cars being higher than for used cars
- Automotive dealer survey
- Provision rates for three financial services are especially high in the
Czech Republic
- Czech dealers work with multiple providers for motor insurance and
finance and leasing contracts
- It is very common for buyers of new cars to take out motor insurance
through dealers
- Competitor dynamics: dealer partnerships
- Finance / leasing: Six providers account for more than 80% of
non-captive partnerships
- Creditor insurance: finance providers not dealers arrange this product
- Motor insurance (one year / long-term cover): two insurers account for
almost 50% of non-captive ties
- Short-term motor insurance: this product is less frequently offered than
long-term cover
- Road assistance: two assistance providers lay claim to more than 50% of
non-captive partnerships
- Extended warranties: four providers compete in a small non-captive market
- Pre-paid service contracts: captive schemes predominate
- GAP insurance: QBE is the market leader measured by number of partners
- Competitor dynamics: manufacturer brand partnerships
- Five products are offered by more than 80% of manufacturer brands in the
Czech Republic
- Finance / leasing: UniCredit has the second highest share of weighted
partnerships
- Creditor insurance: Cardif has a dominant position among those brands
with direct ties
- Motor insurance: it is common to work with several underwriters or to
offer insurance through indirect ties
- Road assistance: Europ Assistance has made a major entry into the Czech
market
- Extended warranties: CarGarantie has established partnerships with
several high-selling manufacturers
- Pre-paid service contracts: only a minority of brands currently make the
service available
- GAP insurance: several manufacturer brands in the Czech Republic are
offering GAP cover
5.0 DENMARK
- Introduction
- Passenger vehicle data
- Consumers in Denmark have a good reason to prefer used to new cars
- while fleet and business sales kept on growing even during the recession
- PSA Peugeot Citroen has become the market leader in Denmark
- Market size for consumer automotive financial services
- Finance and leasing - market size and growth
- The volume of point-of-sale finance increased between 2006 and 2010
while it is evenly balanced between loans for new and used cars
- Only a minority of automotive finance contracts are attributable to
financial or operational leasing
- Automotive insurance, warranty and assistance markets by size, 2010
- Methodology
- Motor insurance is by far the most important insurance product
intermediated by dealers in Denmark with premiums for used cars being higher
than for new cars due to the large underlying used car market
- Automotive dealer survey
- Pre-paid service contracts are among the products most frequently
provided by Danish dealers
- Dealers commonly work with more than two providers for finance and
leasing, and for motor insurance
- Long-term motor insurance is the product most frequently taken out on a
stand-alone basis
- Competitor dynamics: dealer partnerships
- Finance / leasing: a large number of providers in Denmark compete for
non-captive partnerships
- Creditor insurance: more than a fifth of Danish dealers make this
product available
- Motor insurance (one year / long-term cover): over 33% of dealers use
both a captive and a non-captive
- Short-term motor insurance: If Forsikring lays claim to the highest
share of partnerships with dealers
- Road assistance: two assistance providers compete for non-captive ties
- Extended warranties: more than a third of Danish dealers make this
product available
- Pre-paid service contracts: dealers' own schemes predominate
- Competitor dynamics: manufacturer brand partnerships
- Dealers are more likely to offer short-term motor insurance than
manufacturers
- Finance / leasing: Nordania and Nordea have established themselves as
market leaders by weighted ties
- Creditor insurance: Fiat is working with an external partner to provide
loan payment cover
- Motor insurance (one year / long-term): If Forsikring can lay claim to a
large number of partnerships
- Short-term motor insurance: Codan has established itself as the major
provider of short-term cover
- Road assistance: BMW and MINI use more than one assistance provider
- Extended warranties: only a minority of manufacturer brands currently
make extended warranties available
- Pre-paid service contracts: more than half of brands in Norway offer
maintenance contracts
- GAP insurance: stand-alone GAP insurance is not well-developed in Denmark
6.0 FINLAND
- Introduction
- Passenger vehicle data
- New car sales in 2010 have recovered slightly from their 2009 nadir
while used car sales held up much better during the recession
- Volkswagen, Toyota and Ford are the leading manufacturer groups in
Finland
- Market size for consumer automotive financial services
- Finance and leasing - market size and growth
- The market for passenger car finance has been broadly stable in recent
years while point-of-sale lending for used cars is more significant than for
new cars
- Finnish customers taking out automotive finance contracts prefer loans
over leasing
- Automotive insurance, warranty and assistance markets by size, 2010
- Methodology
- The market for ancillary insurance, warranty and assistance products is
comparatively small with pre-paid service contracts currently being the most
popular product
- Automotive dealer survey
- Provision rates of automotive financial services are generally lower
than in most other European countries
- Dealers in Finland usually work with more than three providers for
finance and leasing
- Close to half of Finnish car buyers take out their finance and leasing
contracts at the point of sale
- Competitor dynamics: dealer partnerships
- Finance / leasing: Nordea and OP Pohjola lay claim to the highest shares
of partnerships
- Creditor insurance: a substantial minority of dealers offer this product
- Road assistance: captive providers predominate
- Extended warranties: two providers account for all non-captive
partnerships
- Pre-paid service contracts: dealers' own schemes predominate
- Competitor dynamics: manufacturer brand partnerships
- Pre-paid service contracts are the product most commonly offered by
manufacturers in Finland
- Finance / leasing: only a minority of manufacturers make finance and
leasing available
- Creditor insurance: most brands do not make payment protection cover
available
- Motor insurance: If Vakuutus and Tapiola have struck marketing
partnerships with brands in Finland
- Road assistance: Autoliitto and Falck compete for market leadership in
Finland
- Extended warranties: only a minority of manufacturers offer this product
- Pre-paid service contracts: two out of three brands have arranged the
provision of maintenance contracts
7.0 GERMANY
- Introduction
- Passenger vehicle data
- New car sales in 2010 have dropped after being boosted in 2009 by a
scrappage scheme
- The car scrappage scheme boosted sales for manufacturers of smaller cars
- Market size for consumer automotive financial services
- Finance and leasing - market size and growth
- The declining car market in 2010 hit point-of-sale finance more than
direct lenders while 2009 was an exceptional year for new car finance
- A clear majority of German customers still prefer ' classic' car finance
over balloon loans
- Automotive insurance, warranty and assistance markets by size, 2010
- Methodology
- The value of dealer-intermediated motor insurance is by far the highest
in the region
- while extended warranties are also a significant form of revenue in
the automotive trade in Germany and the market for pre-paid service
contracts benefits from high provision rates whereas GAP cover is often sold
in conjunction with finance and leasing contracts
- Automotive dealer survey
- Extended warranties are offered by 100% of dealers surveyed
- Many German dealers prefer to work with only one provider when offering
financial services
- Used car buyers in Germany are often interested in taking out extended
warranties
- Competitor dynamics: dealer partnerships
- Finance / leasing: Santander and BDK have established themselves as key
non-captive providers
- Creditor insurance is an almost universal product in the German car trade
- Motor insurance: the majority of dealers offer manufacturer-branded cover
- Road assistance: the market for non-captive providers is relatively
limited
- Extended warranties: CarGarantie and Real Garant currently account for
the bulk of the market
- Pre-paid service contracts: captive schemes predominate
- GAP insurance: most dealers offer the product through
manufacturer-branded provision
- Tyre insurance: captive provision predominates
- Competitor dynamics: manufacturer brand partnerships
- Manufacturer brands in Germany are very active in the marketing of
automotive financial services
- Finance / leasing: manufacturer brands commonly provide car finance on a
captive basis in Germany
- Creditor insurance: Cardif and Swiss Life compete for being the highest
ranked partner
- Motor insurance: one insurer accounts for more than half of the weighted
share of partnerships
- Road assistance: manufacturer brands usually work with one external
assistance provider
- Extended warranties: about a quarter of manufacturer brands use more
than one provider
- Pre-paid service contracts: most brands prefer to work without external
partners
- GAP insurance: several well-known underwriters compete for partnerships
with manufacturers in Germany
- Tyre insurance: one major manufacturing group offers tyre insurance in
Germany
8.0 HUNGARY
- Introduction
- Passenger vehicle data
- The market for new cars collapsed between 2007 and 2010 as economic
conditions forced consumers to opt for used cars or to forgo car purchases
altogether
- Suzuki is the single best-selling brand in Hungary
- Market size for consumer automotive financial services
- Finance and leasing - market size and growth
- The plunge in Hungarian car sales has had a major impact on
point-of-sale passenger car finance while the value of finance for used cars
is now higher than for new cars
- About one in three of automotive finance customers in Hungary take out a
financial leasing contract
- Automotive insurance, warranty and assistance markets by size, 2010
- Methodology
- Some financial products offered by dealers currently generate only small
revenue with motor insurance for used cars now being by far the greatest
generator of revenue
- Automotive dealer survey
- Five automotive financial services achieve provision rates of at least
60%
- Dealers usually work with multiple providers when offering finance and
leasing contracts or motor insurance
- Motor insurance is by far the most popular stand-alone product offered
by dealers in Hungary
- Competitor dynamics: dealer partnerships
- Finance / leasing: CIB and Budapest Bank lay claim to the highest shares
of non-captive partnerships
- Creditor insurance: almost two in three dealers offer creditor insurance
- Motor insurance: four insurers account for 75% of non-captive ties
- Road assistance: Europ Assistance and Mondial Assistance are the top
non-captive competitors
- Extended warranties: MAPFRE is the market leader in terms of non-captive
partnerships
- Pre-paid service contracts: captive schemes predominate
- GAP insurance: QBE' s Carlife Direct has established itself as the
leading provider
- Competitor dynamics: manufacturer brand partnerships
- Three products are offered by more than 90% of manufacturer brands
- Finance / leasing: Porsche Bank, Merkantil and MKB together account for
more than half of all partnerships
- Creditor insurance: a variety of operating models is employed to make
cover available
- Motor insurance: captive brokers play a major role in the market for
manufacturer-branded insurance
- Road assistance: nearly all manufacturer brands offer this product
- Extended warranties: BMW, Chevrolet, Mazda, Opel and Volvo all use the
same provider
- Pre-paid service contracts: it is extremely common for automobile brands
to offer maintenance contracts
- GAP insurance: several manufacturer brands are involved in the marketing
of GAP cover
9.0 NORWAY
- Introduction
- Passenger vehicle data
- The new car market in Norway bounced back strongly after the downturn
while growth in the large market for used cars remained more modest
- Volkswagen, Toyota and Ford together account for nearly half the market
- Market size for consumer automotive financial services
- Finance and leasing - market size and growth
- Point-of-sale finance has increased its share of the automotive finance
market with the share of loans for new and used cars being relatively
balanced
- Automotive finance for private customers in Norway is split between
three different types of contract
- Automotive insurance, warranty and assistance markets by size, 2010
- Methodology
- Additional financial products only generate a limited amount of revenue
in the Norwegian automotive trade although road assistance is boosted by
high take-up rates
- Automotive dealer survey
- Five automotive financial services are offered by at least half of all
dealers surveyed
- Dealers usually prefer to work with more than one partner for long-term
motor insurance
- Long-term motor insurance is more popular than limited cover at the
point-of-sale
- Competitor dynamics: dealer partnerships
- Finance / leasing: DnB NOR and Santander are competing for the largest
number of non-captive ties
- Creditor insurance: half of Norwegian dealers make this product available
- Motor insurance (one year / long-term cover): four insurers account for
more than 75% of partnerships
- Short-term motor insurance: Gjensidige has established itself as the
leading provider in this segment
- Road assistance: Falck Assistance dominates the market for non-captive
partnerships
- Extended warranties: non-captive providers account for all activity
- Pre-paid service contracts: dealers tend to provide this service
themselves
- Competitor dynamics: manufacturer brand partnerships
- The provision of motor insurance by manufacturer brands is almost
universal
- Finance / leasing: four providers account for over 70% of weighted
partnerships in Norway
- Creditor insurance: most relationships exist on an indirect basis
- Motor insurance: only low-selling brands do not offer the product in
Norway
- Road assistance: Viking is the dominant provider of road assistance in
Norway
- Extended warranties: only a small minority of Norwegian manufacturers
make the product available
- Pre-paid service contracts: those offering maintenance contracts work on
an internal basis
10.0 POLAND
- Introduction
- Passenger vehicle data
- Poland escaped the global recession as reflected in the growing volume
of new and used car sales since 2006
- Volkswagen, Fiat and Toyota are the leading manufacturer groups in Poland
- Market size for consumer automotive financial services
- Finance and leasing - market size and growth
- Direct lenders in Poland have increased their share of the automotive
finance market while the value of point-of-sale finance for used cars has
declined
- Hire purchase is a popular form of car finance in Poland
- Automotive insurance, warranty and assistance markets by size, 2010
- Methodology
- Revenues from motor insurance dominate the Polish market while
dealer-intermediated GAP insurance has become an established feature of the
Polish market
- Automotive dealer survey
- Almost all dealers offer finance and leasing contracts and long-term
motor insurance
- Dealers often have multiple providers for finance and leasing, motor
insurance and road assistance
- Take-up rates for motor insurance and road assistance are especially high
- Competitor dynamics: dealer partnerships
- Finance / leasing: A large number of providers compete for non-captive
partnerships
- Creditor insurance: a minority of dealers offer this product
- Motor insurance: PZU has the highest number of non-captive ties
- Road assistance: a majority of dealers rely on non-captive providers
- Extended warranties: most dealers work with captive providers
- Pre-paid service contracts: dealers offering maintenance contracts sell
manufacturer-branded products
- GAP insurance: the non-captive market is split between four major
providers
- Competitor dynamics: manufacturer brand partnerships
- A comparatively high proportion of manufacturer brands in Poland offers
GAP insurance
- Finance / leasing: ties with captive providers are the most common
operating model
- Creditor insurance: behind Cardif four insurers compete closely for
second place
- Motor insurance: Allianz has established partnerships with a large
number of manufacturers
- Road assistance: Mondial Assistance and Europ Assistance compete closely
for the highest number of ties
- Extended warranties: 16 manufacturer brands have partnerships with
external providers
- Pre-paid service contracts: only a minority of manufacturer brands make
maintenance contracts available
- GAP insurance: Wagas and Cardif command the largest shares of the market
11.0 SWEDEN
- Introduction
- Passenger vehicle data
- New car sales in 2010 have bounced back from the low level recorded in
2009 with fleet sales being the main driver of the recovery
- Market shares in the Swedish new car market have undergone profound
changes over the last few years
- Market size for consumer automotive financial services
- Finance and leasing - market size and growth
- The Swedish market for automotive finance experienced a small decline
between 2006 and 2010 while taking out loans from direct lenders remains the
preferred option
- Automotive finance for private customers in Sweden is split between
three different types of contract
- Automotive insurance, warranty and assistance markets by size, 2010
- Methodology
- Motor insurance accounts for three quarters of the total while GAP
insurance is not available on a stand-alone basis
- Automotive dealer survey
- Four financial services are offered by at least 80% of dealers in Sweden
- Dealers collaborate with an average of more than two providers for
long-term motor insurance
- Take-up rates for short-term motor insurance are higher than for
long-term cover
- Competitor dynamics: dealer partnerships
- Finance / leasing: DnB NOR has the highest number of partnerships with
dealers
- Creditor insurance: finance providers not dealers arrange this product
- Motor insurance (one year / long-term cover): two insurers account for
more than half of all non-captive ties
- Short-term motor insurance: Trygg Hansa has the highest number of
non-captive partnerships
- Road assistance: three providers account for 75% of non-captive
partnerships
- Extended warranties: close to half of Swedish dealers offer this product
- Pre-paid service contracts: dealers' own schemes predominate
- Competitor dynamics: manufacturer brand partnerships
- Four products are offered by more than 90% of manufacturer brands in
Sweden
- Finance / leasing: imanufacturer brands often provide car finance with
single external partners in Sweden
- Creditor insurance: Cardif and Genworth Financial are the dominant
providers in Sweden
- Motor insurance (one year / long-term cover): If is the preferred
partner for long-term motor insurance
- Short-term motor insurance: almost all Swedish manufacturers also offer
short-term motor insurance
- Road assistance: Two providers dominate the market for road assistance
in Sweden
- Extended warranties: the market is split between external and internal
provision
- Pre-paid service contracts: most manufacturers do not make this product
available
12.0 SWITZERLAND
- Introduction
- Passenger vehicle data
- Sales for both new and used cars have remained comparatively stable in
recent years while the overall market situation is still characterized by a
preference for used cars
- Brands of the Volkswagen Group account for almost a quarter of the new
car market
- Market size for consumer automotive financial services
- Finance and leasing - market size and growth
- The Swiss market for automotive finance is in a similar state as four
years ago while the value of finance contracts taken out at the
point-of-sale is slightly higher than direct lending
- Private customers in Switzerland have a preference for financial leasing
- Automotive insurance, warranty and assistance markets by size, 2010
- Methodology
- Extended warranties and pre-paid service contracts account for over 40%
of the total value while there is no proper market for GAP insurance
- Automotive dealer survey
- Four financial services are provided by more than 75% of dealers
- Most dealers stick to a small number of partners when offering financial
services
- With the exception of one product take-up rates are always higher for
new than for used cars
- Competitor dynamics: dealer partnerships
- Finance / leasing: three providers lay claim to more than 75% of
non-captive partnerships
- Creditor insurance: this product has a substantial provision rate in
Switzerland
- Motor insurance: two underwriters dominate non-captive relationships
- Road assistance: Mondial Assistance and the TCS compete in the market
for non-captive ties
- Extended warranties: non-captive partnerships are split between four
providers
- Pre-paid service contracts: captive schemes predominate
- Tyre insurance: the market is dominated by non-captive providers
- Competitor dynamics: manufacturer brand partnerships
- Five products achieve provision rates of over 80% among manufacturer
brands in Switzerland
- Finance / leasing: all manufacturer brands offer finance / leasing
- Creditor insurance: a large number of providers compete for partnerships
in Switzerland
- Motor insurance: Allianz, Zurich and Basler compete for the majority of
partnerships
- Road assistance: Mondial Assistance is the preferred partner for
manufacturer brands in Switzerland
- Extended warranties: Quality 1 and CarGarantie account for more than
half of all weighted partnerships
- Pre-paid service contracts: ibrands commonly offer maintenance contracts
on an internal basis
LIST OF GRAPHICS / TABLES
0.0 EXECUTIVE SUMMARY 1
- The value of finance taken out at the point of sale has increased in five
of the ten countries 2
- Point-of-sale finance suffered most between 2006 and 2010 3
- About EUR 5.7 billion of revenue comes from additional automotive
financial services 4
- EUR 1.2 billion of revenue comes from extended warranties 5
1.0 INTRODUCTION 6
- Dealers contacted by Finaccord, segmented by country and manufacturer
group affiliation 8
- Manufacturer groups and brands contacted by Finaccord 9
2.0 REGIONAL OVERVIEW 15
- Overview of the passenger car parc in Northern and Central Europe,
2006-2010 16
- Overview of new passenger car sales in Northern and Central Europe,
2006-2010 17
- Overview of used passenger car sales in Northern and Central Europe,
2006-2010 18
- New car registrations in Northern and Central Europe segmented by
manufacturer group, 2009 (data) 19
- Comparison of volume of passenger cars financed in Northern and Central
Europe segmented by new / used and by distribution channel, 2010 21
- Comparison of volume of passenger cars financed in Northern and Central
Europe segmented by new / used and by distribution channel, 2010 (data)
22
- Comparison of value of passenger cars financed in Northern and Central
Europe segmented by new / used and by distribution channel, 2010 23
- Comparison of value of passenger cars financed in Northern and Central
Europe segmented by new / used and by distribution channel, 2010 (data)
24
- Key data points for the passenger car finance market in Northern and
Central Europe segmented by distribution channel: volumes and values,
2006-2010 25
- Total passenger car finance market in Northern and Central Europe
segmented by distribution channel: volumes, 2006-2010 27
- Total passenger car finance market in Northern and Central Europe
segmented by distribution channel: values, 2006-2010 29
- Comparison of % of dealers offering finance / leasing at the point of sale
in Northern and Central Europe, 2010 30
- Comparison of average number of providers used by dealers offering finance
/ leasing at the point of sale in Northern and Central Europe, 2010 31
- Comparison of average number of providers used by dealers offering finance
/ leasing at the point of sale in Northern and Central Europe, 2004-2007-2010
(data) 32
- Comparison of captive / non-captive operating models used by dealers
offering finance / leasing at the point of sale in Northern and Central
Europe, 2010 33
- Comparison of captive / non-captive operating models used by dealers
offering finance / leasing at the point of sale in Northern and Central
Europe, 2010 (data) 34
- Comparison of average % of new and used car purchasers contracting finance
/ leasing services at the point of sale in Northern and Central Europe, 2010
35
- Comparison of average % of new and used car purchasers contracting finance
/ leasing services at the point of sale in Northern and Central Europe,
2004-2007-2010 (data) 37
- % of split of consumer automotive finance at the point of sale by type of
product in Northern and Central Europe, 2010 38
- % of split of consumer automotive finance at the point of sale by type of
product in Northern and Central Europe, 2010 (data) 39
- Comparison of % of manufacturers / importers with arrangements for branded
finance / leasing services in Northern and Central Europe, 2010 40
- Approximate size of the market for creditor insurance linked to consumer
automotive finance and leasing in Northern and Central Europe, 2010 41
- Comparison of % of dealers offering creditor insurance at the point of
sale in Northern and Central Europe, 2010 42
- Comparison of average % of new and used car purchasers with finance or
leasing contracts acquiring creditor insurance at the point of sale in
Northern and Central Europe, 2010 43
- Comparison of overall % of new and used car purchasers with finance or
leasing contracts acquiring creditor insurance at the point of sale in
Northern and Central Europe, 2010 44
- Comparison of average and overall % of new and used car purchasers with
finance or leasing contracts acquiring creditor insurance at the point of sale
in Northern and Central Europe, 2010 (data) 45
- Comparison of % of manufacturers / importers with arrangements for branded
creditor insurance in Northern and Central Europe, 2010 46
- Approximate size of the manufacturer-branded and dealer-intermediated
motor insurance market in Northern and Central Europe, 2010 47
- Approximate size of the manufacturer-branded and dealer-intermediated
motor insurance market as a % of the total personal motor insurance market in
Northern and Central Europe, 2010 48
- Comparison of % of dealers offering motor insurance at the point of sale
in Northern and Central Europe, 2010 49
- Comparison of average number of providers used by dealers offering motor
insurance at the point of sale in Northern and Central Europe, 2010 50
- Comparison of captive / non-captive operating models used by dealers
offering motor insurance at the point of sale in Northern and Central Europe,
2010 51
- Comparison of captive / non-captive operating models used by dealers
offering motor insurance at the point of sale in Northern and Central Europe,
2010 (data) 52
- Comparison of average % of new and used car purchasers acquiring motor
insurance at the point of sale in Northern and Central Europe, 2010 53
- Comparison of overall % of new and used car purchasers acquiring motor
insurance at the point of sale in Northern and Central Europe, 2010 54
- Comparison of average and overall % of new and used car purchasers
acquiring motor insurance at the point of sale in Northern and Central Europe,
2010 (data) 55
- Comparison of % of manufacturers / importers with arrangements for branded
motor insurance in Northern and Central Europe, 2010 56
- Approximate size of the manufacturer-branded and dealer-intermediated road
assistance market in Northern and Central Europe, 2010 57
- Comparison of % of dealers offering road assistance at the point of sale
in Northern and Central Europe, 2010 58
- Comparison of average number of providers used by dealers offering road
assistance at the point of sale in Northern and Central Europe, 2010 59
- Comparison of captive / non-captive operating models used by dealers
offering road assistance at the point of sale in Northern and Central Europe,
2010 60
- Comparison of captive / non-captive operating models used by dealers
offering road assistance at the point of sale in Northern and Central Europe,
2010 (data) 61
- Comparison of average % of new and used car purchasers acquiring road
assistance at the point of sale in Northern and Central Europe, 2010 62
- Comparison of overall % of new and used car purchasers acquiring road
assistance at the point of sale in Northern and Central Europe, 2010 63
- Comparison of average and overall % of new and used car purchasers
acquiring road assistance at the point of sale in Northern and Central Europe,
2010 (data) 64
- Comparison of % of manufacturers / importers with arrangements for branded
road assistance in Northern and Central Europe, 2010 65
- Approximate size of the market for extended warranties for new and used
cars in Northern and Central Europe, 2010 66
- Comparison of % of dealers offering extended warranties at the point of
sale in Northern and Central Europe, 2010 67
- Comparison of average number of providers used by dealers offering
extended warranties at the point of sale in Northern and Central Europe, 2010
68
- Comparison of captive / non-captive operating models used by dealers
offering extended warranties at the point of sale in Northern and Central
Europe, 2010 69
- Comparison of captive / non-captive operating models used by dealers
offering extended warranties at the point of sale in Northern and Central
Europe, 2010 (data) 70
- Comparison of average % of new and used car purchasers acquiring extended
warranties at the point of sale in Northern and Central Europe, 2010 71
- Comparison of overall % of new and used car purchasers acquiring extended
warranties at the point of sale in Northern and Central Europe, 2010 72
- Comparison of average and overall % of new and used car purchasers
acquiring extended warranties at the point of sale in Northern and Central
Europe, 2010 (data) 73
- Comparison of % of manufacturers / importers with arrangements for branded
extended warranties in Northern and Central Europe, 2010 (data) 74
- Approximate size of the market for pre-paid service contracts for new and
used cars in Northern and Central Europe, 2010 75
- Comparison of % of dealers offering pre-paid service contracts at the
point of sale in Northern and Central Europe, 2010 76
- Comparison of average number of providers used by dealers offering
pre-paid service contracts at the point of sale in Northern and Central
Europe, 2010 77
- Comparison of captive / non-captive operating models used by dealers
offering pre-paid service contracts at the point of sale in Northern and
Central Europe, 2010 78
- Comparison of captive / non-captive operating models used by dealers
offering pre-paid service contracts at the point of sale in Northern and
Central Europe, 2010 (data) 79
- Comparison of average % of new and used car purchasers acquiring pre-paid
service contracts at the point of sale in Northern and Central Europe, 2010
80
- Comparison of average and overall % of new and used car purchasers
acquiring pre-paid service contracts at the point of sale in Northern and
Central Europe, 2010 (data) 81
- Comparison of % of manufacturers / importers with arrangements for
pre-paid service contracts in Northern and Central Europe, 2010 82
- Approximate size of the market for GAP insurance for new and used cars in
Northern and Central Europe, 2010 83
- Comparison of % of dealers offering GAP insurance at the point of sale in
Northern and Central Europe, 2010 84
- Comparison of average number of providers used by dealers offering GAP
insurance at the point of sale in Northern and Central Europe, 2010 85
- Comparison of captive / non-captive operating models used by dealers
offering GAP insurance at the point of sale in Northern and Central Europe,
2010 86
- Comparison of captive / non-captive operating models used by dealers
offering GAP insurance at the point of sale in Northern and Central Europe,
2010 (data) 87
- Comparison of average % of new and used car purchasers acquiring GAP
insurance at the point of sale in Northern and Central Europe, 2010 88
- Comparison of overall % of new and used car purchasers acquiring GAP
insurance at the point of sale in Northern and Central Europe, 2010 89
- Comparison of average and overall % of new and used car purchasers
acquiring GAP insurance at the point of sale in Northern and Central Europe,
2010 (data) 90
- Comparison of % of manufacturers / importers with arrangements for GAP
insurance in Northern and Central Europe, 2010 91
3.0 AUSTRIA 92
- Passenger car parc and new / used passenger car sales in Austria,
2006-2010 93
- Passenger car parc and new / used passenger car sales in Austria,
2006-2010 (data) 94
- New car registrations in Austria segmented by manufacturer group, 2009
95
- New / used passenger car finance market in Austria segmented by
distribution channel: volumes, 2006-2010 96
- New / used passenger car finance market in Austria segmented by
distribution channel: values, 2006-2010 97
- New / used passenger car finance market in Austria segmented by
distribution channel: values and volumes, 2006-2010 (data) 98
- % of split of automotive finance at the point of sale in Austria by type
of finance contract, 2010 99
- Total revenues from consumer automotive insurance, warranty and assistance
markets in Austria, 2010 101
- Total revenues from consumer automotive insurance, warranty and assistance
contracts in Austria, 2010 (data) 102
- % of dealers offering various automotive financial services in Austria,
2010 103
- Average number of various automotive financial services providers used by
dealers in Austria, 2010 104
- % of new and used car purchasers contracting various automotive financial
services at the point of sale in Austria, 2010 106
- Provision of finance / leasing by dealers, operating models and provider
share of non-captive partnerships in Austria, 2010 108
- Provision of motor insurance (one year / long-term cover) by dealers and
operating models in Austria, 2010 109
- Provision of road assistance by dealers, operating models and provider
share of non-captive partnerships in Austria, 2010 110
- Provision of extended warranties by dealers, operating models and provider
share of non-captive partnerships in Austria, 2010 111
- Provision of pre-paid service contracts by dealers, operating models and
provider share of non-captive partnerships in Austria, 2010 112
- Provision of GAP insurance by dealers and operating models in Austria,
2010 113
- Comparison of the provision of various automotive financial services by
manufacturer brands and dealers in Austria, 2010 115
- Provision of finance / leasing by manufacturer brands, operating models
and weighted provider share of partnerships in Austria, 2010 117
- Provision of creditor insurance by manufacturer brands, operating models
and weighted provider share of partnerships in Austria, 2010 118
- Provision of motor insurance by manufacturer brands, operating models and
weighted provider share of partnerships in Austria, 2010 120
- Provision of road assistance by manufacturer brands, operating models and
weighted provider share of partnerships in Austria, 2010 122
- Provision of extended warranties by manufacturer brands, operating models
and weighted provider share of partnerships in Austria, 2010 123
- Provision of pre-paid service contracts by manufacturer brands, operating
models and weighted provider share of partnerships in Austria, 2010 124
- Provision of GAP insurance by manufacturer brands, operating models and
weighted provider share of partnerships in Austria, 2010 125
4.0 CZECH REPUBLIC 126
- Passenger car parc and new / used passenger car sales in the Czech
Republic, 2006-2010 127
- Passenger car parc and new / used passenger car sales in the Czech
Republic, 2006-2010 (data) 128
- New car registrations in the Czech Republic segmented by manufacturer
group, 2009 129
- New / used passenger car finance market in the Czech Republic segmented by
distribution channel: volumes, 2006-2010 130
- New / used passenger car finance market in the Czech Republic segmented by
distribution channel: values, 2006-2010 131
- New / used passenger car finance market in the Czech Republic segmented by
distribution channel: values and volumes, 2006-2010 (data) 132
- % of split of automotive finance at the point of sale in the Czech
Republic by type of finance contract, 2010 133
- Total revenues from consumer automotive insurance, warranty and assistance
markets in the Czech Republic, 2010 135
- Total revenues from consumer automotive insurance, warranty and assistance
contracts in the Czech Republic, 2010 (data) 136
- % of dealers offering various automotive financial services in the Czech
Republic, 2010 137
- Average number of various automotive financial services providers used by
dealers in the Czech Republic, 2010 138
- % of new and used car purchasers contracting various automotive financial
services at the point of sale in the Czech Republic, 2010 140
- Provision of finance / leasing by dealers, operating models and provider
share of non-captive partnerships in the Czech Republic, 2010 142
- Provision of motor insurance (one year / long-term cover) by dealers and
operating models in the Czech Republic, 2010 143
- Provision of short-term motor insurance by dealers, operating models and
provider share of non-captive partnerships in the Czech Republic, 2010
144
- Provision of road assistance by dealers, operating models and provider
share of non-captive partnerships in the Czech Republic, 2010 145
- Provision of extended warranties by dealers, operating models and provider
share of non-captive partnerships in the Czech Republic, 2010 146
- Provision of pre-paid service contracts by dealers and operating models in
the Czech Republic, 2010 147
- Provision of GAP insurance by dealers, operating models and provider share
of non-captive partnerships in the Czech Republic, 2010 148
- Comparison of the provision of various automotive financial services by
manufacturer brands and dealers in the Czech Republic, 2010 150
- Provision of finance / leasing by manufacturer brands, operating models
and weighted provider share of partnerships in the Czech Republic, 2010
152
- Provision of creditor insurance by manufacturer brands, operating models
and weighted provider share of partnerships in the Czech Republic, 2010
153
- Provision of motor insurance by manufacturer brands, operating models and
weighted provider share of partnerships in the Czech Republic, 2010 154
- Provision of road assistance by manufacturer brands, operating models and
weighted provider share of partnerships in the Czech Republic, 2010 156
- Provision of extended warranties by manufacturer brands, operating models
and weighted provider share of partnerships in the Czech Republic, 2010
157
- Provision of pre-paid service contracts by manufacturer brands, operating
models and weighted provider share of partnerships in the Czech Republic, 2010
158
- Provision of GAP insurance by manufacturer brands and operating models in
the Czech Republic, 2010 159
5.0 DENMARK 160
- Passenger car parc and new / used passenger car sales in Denmark,
2006-2010 161
- Passenger car parc and new / used passenger car sales in Denmark,
2006-2010 (data) 162
- New car registrations in Denmark segmented by manufacturer group, 2009
163
- New / used passenger car finance market in Denmark segmented by
distribution channel: volumes, 2006-2010 164
- New / used passenger car finance market in Denmark segmented by
distribution channel: values, 2006-2010 165
- New / used passenger car finance market in Denmark segmented by
distribution channel: values and volumes, 2006-2010 (data) 166
- % of split of automotive finance at the point of sale in Denmark by type
of finance contract, 2010 167
- Total revenues from consumer automotive insurance, warranty and assistance
markets in Denmark, 2010 169
- Total revenues from consumer automotive insurance, warranty and assistance
contracts in Denmark, 2010 (data) 170
- % of dealers offering various automotive financial services in Denmark,
2010 171
- Average number of various automotive financial services providers used by
dealers in Denmark, 2010 172
- % of new and used car purchasers contracting various automotive financial
services at the point of sale in Denmark, 2010 174
- Provision of finance / leasing by dealers, operating models and provider
share of non-captive partnerships in Denmark, 2010 176
- Provision of motor insurance (one year / long-term cover) by dealers and
operating models in Denmark, 2010 177
- Provision of short-term motor insurance by dealers, operating models and
provider share of non-captive partnerships in Denmark, 2010 178
- Provision of road assistance by dealers, operating models and provider
share of non-captive partnerships in Denmark, 2010 179
- Provision of extended warranties by dealers, operating models and provider
share of non-captive partnerships in Denmark, 2010 180
- Provision of pre-paid service contracts by dealers, operating models and
provider share of non-captive partnerships in Denmark, 2010 181
- Comparison of the provision of various automotive financial services by
manufacturer brands and dealers in Denmark, 2010 183
- Provision of finance / leasing by manufacturer brands, operating models
and weighted provider share of partnerships in Denmark, 2010 185
- Provision of creditor insurance by manufacturer brands, operating models
and weighted provider share of partnerships in Denmark, 2010 186
- Provision of motor insurance (one year / long-term cover) by manufacturer
brands, operating models and weighted provider share of partnerships in
Denmark, 2010 188
- Provision of short-term motor insurance by manufacturer brands, operating
models and weighted provider share of partnerships in Denmark, 2010 189
- Provision of road assistance by manufacturer brands, operating models and
weighted provider share of partnerships in Denmark, 2010 190
- Provision of extended warranties by manufacturer brands, operating models
and weighted provider share of partnerships in Denmark, 2010 191
- Provision of pre-paid service contracts by manufacturer brands, operating
models and weighted provider share of partnerships in Denmark, 2010 192
- Provision of GAP insurance by manufacturer brands, operating models and
weighted provider share of partnerships in Denmark, 2010 193
6.0 FINLAND 194
- Passenger car parc and new / used passenger car sales in Finland,
2006-2010 195
- Passenger car parc and new / used passenger car sales in Finland,
2006-2010 (data) 196
- New car registrations in Finland segmented by manufacturer group, 2009
197
- New / used passenger car finance market in Finland segmented by
distribution channel: volumes, 2006-2010 198
- New / used passenger car finance market in Finland segmented by
distribution channel: values, 2006-2010 199
- New / used passenger car finance market in Finland segmented by
distribution channel: values and volumes, 2006-2010 (data) 200
- % of split of automotive finance at the point of sale in Finland by type
of finance contract, 2010 201
- Total revenues from consumer automotive insurance, warranty and assistance
markets in Finland, 2010 203
- Total revenues from consumer automotive insurance, warranty and assistance
contracts in Finland, 2010 (data) 204
- % of dealers offering various automotive financial services in Finland,
2010 205
- Average number of various automotive financial services providers used by
dealers in Finland, 2010 206
- % of new and used car purchasers contracting various automotive financial
services at the point of sale in Finland, 2010 207
- Provision of finance / leasing by dealers, operating models and provider
share of non-captive partnerships in Finland, 2010 209
- Provision of road assistance by dealers and operating models in Finland,
2010 210
- Provision of extended warranties by dealers, operating models and provider
share of non-captive partnerships in Finland, 2010 211
- Provision of pre-paid service contracts by dealers, operating models and
provider share of non-captive partnerships in Finland, 2010 212
- Comparison of the provision of various automotive financial services by
manufacturer brands and dealers in Finland, 2010 214
- Provision of finance / leasing by manufacturer brands, operating models
and weighted provider share of partnerships in Finland, 2010 215
- Provision of creditor insurance by manufacturer brands and operating
models in Finland, 2010 216
- Provision of motor insurance by manufacturer brands, operating models and
weighted provider share of partnerships in Finland, 2010 217
- Provision of road assistance by manufacturer brands, operating models and
weighted provider share of partnerships in Finland, 2010 218
- Provision of extended warranties by manufacturer brands, operating models
and weighted provider share of partnerships in Finland, 2010 219
- Provision of pre-paid service contracts by manufacturer brands, operating
models and weighted provider share of partnerships in Finland, 2010 220
7.0 GERMANY 221
- Passenger car parc and new / used passenger car sales in Germany,
2006-2010 222
- Passenger car parc and new / used passenger car sales in Germany,
2006-2010 (data) 223
- New car registrations in Germany segmented by manufacturer group, 2009
224
- New / used passenger car finance market in Germany segmented by
distribution channel: volumes, 2006-2010 225
- New / used passenger car finance market in Germany segmented by
distribution channel: values, 2006-2010 226
- New / used passenger car finance market in Germany segmented by
distribution channel: values and volumes, 2006-2010 (data) 227
- % of split of automotive finance at the point of sale in Germany by type
of finance contract, 2010 228
- Total revenues from consumer automotive insurance, warranty and assistance
markets in Germany, 2010 230
- Total revenues from consumer automotive insurance, warranty and assistance
contracts in Germany, 2010 (data) 232
- % of dealers offering various automotive financial services in Germany,
2010 233
- Average number of various automotive financial services providers used by
dealers in Germany, 2010 234
- % of new and used car purchasers contracting various automotive financial
services at the point of sale in Germany, 2010 236
- Provision of finance / leasing by dealers, operating models and provider
share of non-captive partnerships in Germany, 2010 238
- Provision of motor insurance (one year / long-term) by dealers, operating
models and provider share of non-captive partnerships in Germany, 2010
239
- Provision of road assistance by dealers, operating models and provider
share of non-captive partnerships in Germany, 2010 240
- Provision of extended warranties by dealers, operating models and provider
share of non-captive partnerships in Germany, 2010 241
- Provision of pre-paid service contracts by dealers, operating models and
provider share of non-captive partnerships in Germany, 2010 242
- Provision of GAP insurance by dealers, operating models and provider share
of non-captive partnerships in Germany, 2010 243
- Provision of tyre insurance by dealers and operating models in Germany,
2010 244
- Comparison of the provision of various automotive financial services by
manufacturer brands and dealers in Germany, 2010 247
- Provision of finance / leasing by manufacturer brands, operating models
and weighted provider share of partnerships in Germany, 2010 249
- Provision of creditor insurance by manufacturer brands, operating models
and weighted provider share of partnerships in Germany, 2010 250
- Provision of motor insurance by manufacturer brands, operating models and
weighted provider share of partnerships in Germany, 2010 251
- Provision of road assistance by manufacturer brands, operating models and
weighted provider share of partnerships in Germany, 2010 252
- Provision of extended warranties by manufacturer brands, operating models
and weighted provider share of partnerships in Germany, 2010 253
- Provision of pre-paid service contracts by manufacturer brands, operating
models and weighted provider share of partnerships in Germany, 2010 254
- Provision of GAP insurance by manufacturer brands, operating models and
weighted provider share of partnerships in Germany, 2010 255
- Provision of tyre insurance by manufacturer brands, operating models and
weighted provider share of partnerships in Germany, 2010 256
8.0 HUNGARY 257
- Passenger car parc and new / used passenger car sales in Hungary,
2006-2010 258
- Passenger car parc and new / used passenger car sales in Hungary,
2006-2010 (data) 259
- New car registrations in Hungary segmented by manufacturer group, 2009
260
- New / used passenger car finance market in Hungary segmented by
distribution channel: volumes, 2006-2010 261
- New / used passenger car finance market in Hungary segmented by
distribution channel: values, 2006-2010 262
- New / used passenger car finance market in Hungary segmented by
distribution channel: values and volumes, 2006-2010 (data) 263
- % of split of automotive finance at the point of sale in Hungary by type
of finance contract, 2010 264
- Total revenues from consumer automotive insurance, warranty and assistance
markets in Hungary, 2010 266
- Total revenues from consumer automotive insurance, warranty and assistance
contracts in Hungary, 2010 (data) 267
- % of dealers offering various automotive financial services in Hungary,
2010 268
- Average number of various automotive financial services providers used by
dealers in Hungary, 2010 269
- % of new and used car purchasers contracting various automotive financial
services at the point of sale in Hungary, 2010 270
- Provision of finance / leasing by dealers, operating models and provider
share of non-captive partnerships in Hungary, 2010 272
- Provision of motor insurance (one year / long-term cover) by dealers and
operating models in Hungary, 2010 273
- Provision of road assistance by dealers, operating models and provider
share of non-captive partnerships in Hungary, 2010 274
- Provision of extended warranties by dealers, operating models and provider
share of non-captive partnerships in Hungary, 2010 275
- Provision of pre-paid service contracts by dealers and operating models in
Hungary, 2010 276
- Provision of GAP insurance by dealers, operating models and provider share
of non-captive partnerships in Hungary, 2010 277
- Comparison of the provision of various automotive financial services by
manufacturer brands and dealers in Hungary, 2010 279
- Provision of finance / leasing by manufacturer brands, operating models
and weighted provider share of partnerships in Hungary, 2010 281
- Provision of creditor insurance by manufacturer brands, operating models
and weighted provider share of partnerships in Hungary, 2010 282
- Provision of motor insurance by manufacturer brands, operating models and
weighted provider share of partnerships in Hungary, 2010 284
- Provision of road assistance by manufacturer brands, operating models and
weighted provider share of partnerships in Hungary, 2010 286
- Provision of extended warranties by manufacturer brands, operating models
and weighted provider share of partnerships in Hungary, 2010 287
- Provision of pre-paid service contracts by manufacturer brands, operating
models and weighted provider share of partnerships in Hungary, 2010 288
- Provision of GAP insurance by manufacturer brands, operating models and
weighted provider share of partnerships in Hungary, 2010 289
9.0 NORWAY 290
- Passenger car parc and new / used passenger car sales in Norway, 2006-2010
291
- Passenger car parc and new / used passenger car sales in Norway, 2006-2010
(data) 292
- New car registrations in Norway segmented by manufacturer group, 2009
293
- New / used passenger car finance market in Norway segmented by
distribution channel: volumes, 2006-2010 294
- New / used passenger car finance market in Norway segmented by
distribution channel: values, 2006-2010 295
- New / used passenger car finance market in Norway segmented by
distribution channel: values and volumes, 2006-2010 (data) 296
- % of split of automotive finance at the point of sale in Norway by type of
finance contract, 2010 297
- Total revenues from consumer automotive insurance, warranty and assistance
markets in Norway, 2010 299
- Total revenues from consumer automotive insurance, warranty and assistance
contracts in Norway, 2010 (data) 300
- % of dealers offering various automotive financial services in Norway,
2010 301
- Average number of various automotive financial services providers used by
dealers in Norway, 2010 302
- % of new and used car purchasers contracting various automotive financial
services at the point of sale in Norway, 2010 304
- Provision of finance / leasing by dealers, operating models and provider
share of non-captive partnerships in Norway, 2010 306
- Provision of motor insurance (one year / long-term cover) by dealers and
operating models in Norway, 2010 307
- Provision of short-term motor insurance by dealers, operating models and
provider share of non-captive partnerships in Norway, 2010 308
- Provision of road assistance by dealers, operating models and provider
share of non-captive partnerships in Norway, 2010 309
- Provision of extended warranties by dealers, operating models and provider
share of non-captive partnerships in Norway, 2010 310
- Provision of pre-paid service contracts by dealers, operating models and
provider share of non-captive partnerships in Norway, 2010 311
- Comparison of the provision of various automotive financial services by
manufacturer brands and dealers in Norway, 2010 313
- Provision of finance / leasing by manufacturer brands, operating models
and weighted provider share of partnerships in Norway, 2010 315
- Provision of creditor insurance by manufacturer brands, operating models
and weighted provider share of partnerships in Norway, 2010 316
- Provision of motor insurance by manufacturer brands, operating models and
weighted provider share of partnerships in Norway, 2010 318
- Provision of road assistance by manufacturer brands, operating models and
weighted provider share of partnerships in Norway, 2010 320
- Provision of extended warranties by manufacturer brands, operating models
and weighted provider share of partnerships in Norway, 2010 321
- Provision of pre-paid service contracts by manufacturer brands, operating
models and weighted provider share of partnerships in Norway, 2010 322
10.0 POLAND 323
- Passenger car parc and new / used passenger car sales in Poland, 2006-2010
324
- Passenger car parc and new / used passenger car sales in Poland, 2006-2010
(data) 325
- New car registrations in Poland segmented by manufacturer group, 2009
326
- New / used passenger car finance market in Poland segmented by
distribution channel: volumes, 2006-2010 327
- New / used passenger car finance market in Poland segmented by
distribution channel: values, 2006-2010 328
- New / used passenger car finance market in Poland segmented by
distribution channel: values and volumes, 2006-2010 (data) 329
- % of split of automotive finance at the point of sale in Poland by type of
finance contract, 2010 330
- Total revenues from consumer automotive insurance, warranty and assistance
markets in Poland, 2010 332
- Total revenues from consumer automotive insurance, warranty and assistance
contracts in Poland, 2010 (data) 333
- % of dealers offering various automotive financial services in Poland,
2010 334
- Average number of various automotive financial services providers used by
dealers in Poland, 2010 335
- % of new and used car purchasers contracting various automotive financial
services at the point of sale in Poland, 2010 337
- Provision of finance / leasing by dealers, operating models and provider
share of non-captive partnerships in Poland, 2010 339
- Provision of motor insurance (one year / long-term cover) by dealers and
operating models in Poland, 2010 340
- Provision of road assistance by dealers, operating models and provider
share of non-captive partnerships in Poland, 2010 341
- Provision of extended warranties by dealers, operating models and provider
share of non-captive partnerships in Poland, 2010 342
- Provision of pre-paid service contracts by dealers and operating models in
Poland, 2010 343
- Provision of GAP insurance by dealers, operating models and provider share
of non-captive partnerships in Poland, 2010 344
- Comparison of the provision of various automotive financial services by
manufacturer brands and dealers in Poland, 2010 346
- Provision of finance / leasing by manufacturer brands, operating models
and weighted provider share of partnerships in Poland, 2010 348
- Provision of creditor insurance by manufacturer brands, operating models
and weighted provider share of partnerships in Poland, 2010 349
- Provision of motor insurance by manufacturer brands, operating models and
weighted provider share of partnerships in Poland, 2010 350
- Provision of road assistance by manufacturer brands, operating models and
weighted provider share of partnerships in Poland, 2010 352
- Provision of extended warranties by manufacturer brands, operating models
and weighted provider share of partnerships in Poland, 2010 354
- Provision of pre-paid service contracts by manufacturer brands, operating
models and weighted provider share of partnerships in Poland, 2010 355
- Provision of GAP insurance by manufacturer brands, operating models and
weighted provider share of partnerships in Poland, 2010 356
11.0 SWEDEN 357
- Passenger car parc and new / used passenger car sales in Sweden, 2006-2010
358
- Passenger car parc and new / used passenger car sales in Sweden, 2006-2010
(data) 359
- New car registrations in Sweden segmented by manufacturer group, 2009
360
- New / used passenger car finance market in Sweden segmented by
distribution channel: volumes, 2006-2010 361
- New / used passenger car finance market in Sweden segmented by
distribution channel: values, 2006-2010 362
- New / used passenger car finance market in Sweden segmented by
distribution channel: values and volumes, 2006-2010 (data) 363
- % of split of automotive finance at the point of sale in Sweden by type of
finance contract, 2010 364
- Total revenues from consumer automotive insurance, warranty and assistance
markets in Sweden, 2010 366
- Total revenues from consumer automotive insurance, warranty and assistance
contracts in Sweden, 2010 (data) 367
- % of dealers offering various automotive financial services in Sweden,
2010 368
- Average number of various automotive financial services providers used by
dealers in Sweden, 2010 369
- % of new and used car purchasers contracting various automotive financial
services at the point of sale in Sweden, 2010 371
- Provision of finance / leasing by dealers, operating models and provider
share of non-captive partnerships in Sweden, 2010 373
- Provision of motor insurance (one year / long-term cover) by dealers and
operating models in Sweden, 2010 374
- Provision of short-term motor insurance by dealers, operating models and
provider share of non-captive partnerships in Sweden, 2010 375
- Provision of road assistance by dealers, operating models and provider
share of non-captive partnerships in Sweden, 2010 376
- Provision of extended warranties by dealers, operating models and provider
share of non-captive partnerships in Sweden, 2010 377
- Provision of pre-paid service contracts by dealers, operating models and
provider share of non-captive partnerships in Sweden, 2010 378
- Comparison of the provision of various automotive financial services by
manufacturer brands and dealers in Sweden, 2010 380
- Provision of finance / leasing by manufacturer brands, operating models
and weighted provider share of partnerships in Sweden, 2010 381
- Provision of creditor insurance by manufacturer brands, operating models
and weighted provider share of partnerships in Sweden, 2010 382
- Provision of motor insurance (one year / long-term cover) by manufacturer
brands, operating models and weighted provider share of partnerships in
Sweden, 2010 384
- Provision of short-term motor insurance by manufacturer brands, operating
models and weighted provider share of partnerships in Sweden, 2010 385
- Provision of road assistance by manufacturer brands, operating models and
weighted provider share of partnerships in Sweden, 2010 386
- Provision of extended warranties by manufacturer brands, operating models
and weighted provider share of partnerships in Sweden, 2010 387
- Provision of pre-paid service contracts by manufacturer brands, operating
models and weighted provider share of partnerships in Sweden, 2010 388
12.0 SWITZERLAND 389
- Passenger car parc and new / used passenger car sales in Switzerland,
2006-2010 390
- Passenger car parc and new / used passenger car sales in Switzerland,
2006-2010 (data) 391
- New car registrations in Switzerland segmented by manufacturer group, 2009
392
- New / used passenger car finance market in Switzerland segmented by
distribution channel: volumes, 2006-2010 393
- New / used passenger car finance market in Switzerland segmented by
distribution channel: values, 2006-2010 394
- New / used passenger car finance market in Switzerland segmented by
distribution channel: values and volumes, 2006-2010 (data) 395
- % of split of automotive finance at the point of sale in Switzerland by
type of finance contract, 2010 396
- Total revenues from consumer automotive insurance, warranty and assistance
markets in Switzerland, 2010 398
- Total revenues from consumer automotive insurance, warranty and assistance
contracts in Switzerland, 2010 (data) 399
- % of dealers offering various automotive financial services in
Switzerland, 2010 400
- Average number of various automotive financial services providers used by
dealers in Switzerland, 2010 401
- % of new and used car purchasers contracting various automotive financial
services at the point of sale in Switzerland, 2010 403
- Provision of finance / leasing by dealers, operating models and provider
share of non-captive partnerships in Switzerland, 2010 405
- Provision of motor insurance (one year / long-term cover) by dealers and
operating models in Switzerland, 2010 406
- Provision of road assistance by dealers, operating models and provider
share of non-captive partnerships in Switzerland, 2010 407
- Provision of extended warranties by dealers, operating models and provider
share of non-captive partnerships in Switzerland, 2010 408
- Provision of pre-paid service contracts by dealers, operating models and
provider share of non-captive partnerships in Switzerland, 2010 409
- Provision of tyre insurance by dealers, operating models and provider
share of non-captive partnerships in Switzerland, 2010 410
- Comparison of the provision of various automotive financial services by
manufacturer brands and dealers in Switzerland, 2010 412
- Provision of finance / leasing by manufacturer brands, operating models
and weighted provider share of partnerships in Switzerland, 2010 414
- Provision of creditor insurance by manufacturer brands, operating models
and weighted provider share of partnerships in Switzerland, 2010 415
- Provision of motor insurance by manufacturer brands, operating models and
weighted provider share of partnerships in Switzerland, 2010 416
- Provision of road assistance by manufacturer brands, operating models and
weighted provider share of partnerships in Switzerland, 2010 418
- Provision of extended warranties by manufacturer brands, operating models
and weighted provider share of partnerships in Switzerland, 2010 420
- Provision of pre-paid service contracts by manufacturer brands, operating
models and weighted provider share of partnerships in Switzerland, 2010
421
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