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市場調查報告書

南北美洲的零售業者保險及支援服務市場

Retailer Insurance and Assistance in North and Latin America

出版商 Finaccord Ltd. 商品編碼 300207
出版日期 內容資訊 英文 81 pages
商品交期: 最快1-2個工作天內
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南北美洲的零售業者保險及支援服務市場 Retailer Insurance and Assistance in North and Latin America
出版日期: 2014年03月01日 內容資訊: 英文 81 pages
簡介

本報告以近年來興起的所謂「品牌保障」之各種獨立型保險及支援服務產品歐洲零售業品牌對銷售的參與為焦點,彙整南北美地區12個國家中的10國(阿根廷,巴西,加拿大,智利,哥倫比亞,厄瓜多,墨西哥,秘魯,烏拉圭,美國)展現的市場趨勢分析資訊,為您概述為以下內容。

摘要整理

第1章 簡介

  • 報告的主題
  • 論點
    • 可選別「傳統」和「非傳統」的零售店金融服務
    • 活用消費者金融和支付卡市場變化作為商機的零售店
    • 針對保險銷售零售店展現出先行成功案例的智利和英國
    • 零售市場的進化本質上對金融服務重組也是個佳音
  • 調查方法
    • 零售業者問卷調查
      • 將12個國家、120個領域、超過1400個零售品牌依離線專賣、線上專賣或二者複合銷售加以分類
      • 加重組合比例
  • 定義
    • 保險及支援服務
    • 營業模式
  • PartnerBASE
  • Finaccord

第2章 地區概要

  • 保險及支援服務
    • 零售店保險方案最多元化的是家庭,生命,汽車保險,其次為意外,健康保險
    • 銷售保險的有力零售品牌比例佔最大的國家是智利
    • 對保險·支援服務最積極的部門是百貨商店·雜貨店品牌,但方案數則是超級市場·大賣場最多
    • 承擔大半零售店保險計劃的公司外部獨立型聯盟企業
    • 地區上零售店保險聯盟的供應結構

第3章 阿根廷

  • 簡介
  • 保險及支援服務

第4章 巴西

  • 簡介
  • 保險及支援服務

第5章 加拿大

  • 簡介
  • 保險及支援服務

第6章 智利

  • 簡介
  • 保險及支援服務

第7章 哥倫比亞

  • 簡介
  • 保險及支援服務

第8章 厄瓜多

  • 簡介
  • 保險及支援服務

第9章 墨西哥

  • 簡介
  • 保險及支援服務

第10章 秘魯

  • 簡介
  • 保險及支援服務

第11章 烏拉圭

  • 簡介
  • 保險及支援服務

第12章 美國

  • 簡介
  • 保險及支援服務

第13章 附錄

  • 簡介
  • 有力壟斷及合資企業
目錄
Product Code: report_rcfb_nla

Retailer Insurance and Assistance in North and Latin America is a report about the involvement of major retail brands in Europe in the distribution of stand-alone accident, dental, health, household, life, motor, pet, travel and other insurance, plus assistance products, as part of a growing trend in financial services sometimes referred to as 'brandassurance'.

Indeed, major retail brands are found to be active in this arena in ten of the 12 countries researched. Namely, these are Argentina, Brazil, Canada, Chile, Colombia, Ecuador, Mexico, Peru, Uruguay and the USA, hence chapters for each of these are included in the publication.

In fact, the study provides a comprehensive and detailed overview of the Americas-wide market for insurance sold to consumers by supermarkets, department stores and other types of retail chain. Moreover, the PartnerBASE™ dataset that accompanies the report details each of the 384 product marketing initiatives traced by Finaccord for the lines of consumer insurance investigated, a figure up from 364 according to the previous research from 2010, including the operating models and insurance providers used.

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

  • gain rapid access to a unique and comprehensive source of intelligence that provides a perspective on the involvement of major retailers in North and Latin America in the insurance and assistance sector;
  • understand which of your competitors have been successful in establishing insurance or assistance distribution partnerships with significant retail brands;
  • evaluate the opportunities for creating marketing relationships with different types of retail chain for eight distinct lines of consumer insurance plus other insurance and assistance products;
  • learn about the wider context behind the diversification into insurance and assistance of major retail brands and identify retailers already active in financial services that are likely to develop insurance propositions in future;
  • use the PartnerBASE™ dataset to filter information about retailer insurance and assistance schemes by country, retailer category, product, provider and other criteria.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
  • Rationale
    • Retailer financial services can be broken down between 'traditional' and 'non-traditional' services
    • Retailers can take advantage of changes in consumer finance and payment card markets
    • Chile and the UK provide successful precedents for retailers interested in selling insurance
    • The evolution of the retailing market itself is also favourable to the integration of financial services
  • Methodology
    • Survey of retailers
      • The survey's scope covers over 1,400 major retail brands drawn from ten categories and 12 countries and classified according to their use of offline-only, online-only or mixed distribution models
    • Weighted shares
  • Definitions
    • Insurance and assistance
    • Operating models
  • PartnerBASE
  • Finaccord

2.0 REGIONAL OVERVIEW

  • Insurance and assistance
    • Retailer schemes for household, life and motor insurance are most numerous followed by those for accident and health insurance
    • The percentage of major retail brands distributing insurance is highest in Chile
    • Department store and variety retail brands are the most likely to offer insurance and assistance although the highest number of schemes is due to the category of supermarkets and hypermarkets
    • Most retailer insurance programs are run in conjunction with a single, external partner
    • At a regional level, the supply structure for retailer insurance partnerships is fairly fragmented

3.0 ARGENTINA

  • Introduction
  • Insurance and assistance
    • Eight major retail chains in Argentina have launched insurance or assistance products with all using external partners (as opposed to captives or joint ventures) in this context
    • Insurance and assistance schemes are most common in the supermarket and hypermarket category

4.0 BRAZIL

  • Introduction
  • Insurance and assistance
    • Eight major retail chains in Brazil promote mainstream forms of insurance of the type researched
    • Most insurance distribution partnerships among retailers are organised with a single, external partner with OdontoPrev utilised by all that promote dental insurance
    • By weighted share of partnerships, Cardif emerges as a likely leader in retailer insurance
    • Only three retailer categories feature any provision for insurance and assistance products
    • The financial arm of Lojas Riachuelo has amassed a huge number of customers to cross-sell to while that of Magazine Luiza also exceeds 1 million

5.0 CANADA

  • Introduction
  • Insurance and assistance
    • 20 major retail chains in Canada promote mainstream forms of insurance of the type researched with numerous insurance underwriters and brokers used as providers among which Canada Life, Manulife and Western Financial Insurance are prominent in weighted terms
    • Supermarket and hypermarket brands display the greatest enthusiasm for selling insurance
    • Over 2 million customers have acquired financial services from President's Choice Financial
    • Canadian Tire's entire financial services business secures well over CAD 200 million in gross revenues

6.0 CHILE

  • Introduction
  • Insurance and assistance
    • Accident, health and life insurance are the policy types most commonly marketed by major retailers
    • All insurance distribution partnerships among retailers are organised with external providers albeit schemes are intermediated by captive brokers in at least six cases
    • By weighted share of partnerships, Cardif's share surpasses that held by MetLife
    • Falabella's fast-growing bank provides a basis for cross-selling insurance products
    • Financial services account for around 3% of Cencosud group's total revenues and also make a very significant contribution to the revenues of the Ripley group

7.0 COLOMBIA

  • Introduction
  • Insurance and assistance
    • Six major retail brands offer insurance or assistance programs in Colombia with most schemes sourced from single, external partners
    • Motor insurance is offered most regularly followed by household and life insurance
    • In weighted terms, SURA is ranked second by share of retailer partnerships
    • Insurance and assistance schemes are concentrated in three retailer categories

8.0 ECUADOR

  • Introduction
  • Insurance and assistance
    • Orve Hogar is pioneering the concept of retailer insurance in Ecuador working with Seguros Cervantes and Ecuasistencia in this sphere

10.0 MEXICO

  • Introduction
  • Insurance and assistance
    • 13 major retail chains in Mexico promote mainstream forms of insurance of the type researched
    • Most insurance distribution partnerships among retailers are organised with a single, external partner
    • When analysed on a weighted basis, AXA Seguros remains the likely leader in retailer insurance
    • Initiatives in retailer insurance and assistance in Mexico are found in two retailer categories only.
    • Banco Azteca has expanded its distribution reach to more than 1,400 branches since launch helping both consumer loans outstanding and pre-tax profits to surge in recent years
    • The life insurance arm of Seguros Azteca has achieved impressive growth in premiums in recent years
    • BanCoppel has also experienced a rapid increase in both its loan book and profitability although the progress made by Banco Famsa has been slightly less eye-catching and Banco Walmart remains loss-making despite strong growth in consumer loans

12.0 PERU

  • Introduction
  • Insurance and assistance
    • Health insurance is promoted most often by major retail brands in Peru
    • Most insurance and assistance policies are sourced from external providers
    • Rimac Seguros claims the most partnerships among major retail brands in Peru

13.0 URUGUAY

  • Introduction
  • Insurance and assistance
    • MAPFRE has tied with Géant to promote a travel insurance package

14.0 USA

  • Introduction
  • Insurance and assistance
    • Eight major retail chains in the US promote mainstream forms of insurance of the type researched among which Camping World distributes the widest array of policies
    • eHealth has become an important online distributor for health insurance in the US
    • Speciality retailers are most likely to promote insurance or assistance products

15.0 APPENDIX

  • Major captives and joint ventures
    • Several retailers utilise captive or joint venture entities for their insurance activities

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

  • Major retail brands in Chile, Mexico and Peru are most likely to offer insurance or assistance products

1.0 INTRODUCTION

  • Retailers researched in North and Latin America, segmented by category, country and distribution model, 2014

2.0 REGIONAL OVERVIEW

  • Retailer insurance and assistance in North and Latin America: provision by policy type, 2014
  • Retailer insurance and assistance in North and Latin America: provision by country, 2014
  • Retailer insurance and assistance in North and Latin America: provision by retailer category and distribution model, 2014
  • Retailer insurance and assistance in North and Latin America: provision rate and operating models, 2014
  • Retailer insurance and assistance in North and Latin America: operating models by country, 2014
  • Retailer insurance and assistance in North and Latin America: unweighted and weighted provider share partnerships, 2014

3.0 ARGENTINA

  • Retailer insurance and assistance in Argentina: provision by policy type, 2014
  • Retailer insurance and assistance in Argentina: provision and operating models, 2014
  • Retailer insurance and assistance in Argentina: unweighted and weighted provider share of partnerships, 2014
  • Provision of insurance and assistance by retailer category and distribution model in Argentina, 2014

4.0 BRAZIL

  • Retailer insurance and assistance in Brazil: provision by policy type, 2014
  • Retailer insurance and assistance in Brazil: provision and operating models, 2014
  • Retailer insurance and assistance in Brazil: unweighted and weighted provider share of partnerships, 2014
  • Provision of insurance and assistance by retailer category and distribution model in Brazil, 2014

5.0 CANADA

  • Retailer insurance and assistance in Canada: provision by policy type, 2014
  • Retailer insurance and assistance in Canada: provision and operating models, 2014
  • Retailer insurance and assistance in Canada: unweighted and weighted provider share of partnerships, 2014
  • Provision of insurance and assistance by retailer category and distribution model in Canada, 2014

6.0 CHILE

  • Retailer insurance and assistance in Chile: provision by policy type, 2014
  • Retailer insurance and assistance in Chile: provision and operating models, 2014
  • Retailer insurance and assistance in Chile: unweighted and weighted provider share of partnerships, 2014
  • Provision of insurance and assistance by retailer category and distribution model in Chile, 2014

7.0 COLOMBIA

  • Retailer insurance and assistance in Colombia: provision by policy type, 2014
  • Retailer insurance and assistance in Colombia: provision and operating models, 2014
  • Retailer insurance and assistance in Colombia: unweighted and weighted provider share of partnerships, 2014
  • Provision of insurance and assistance by retailer category and distribution model in Colombia, 2014

8.0 ECUADOR

  • Retailer insurance and assistance in Ecuador: provision by policy type, 2014
  • Retailer insurance and assistance in Ecuador: provision and operating models, 2014
  • Retailer insurance and assistance in Ecuador: unweighted and weighted provider share of partnerships, 2014
  • Provision of insurance and assistance by retailer category and distribution model in Ecuador, 2014

10.0 MEXICO

  • Retailer insurance and assistance in Mexico: provision by policy type, 2014
  • Retailer insurance and assistance in Mexico: provision and operating models, 2014
  • Retailer insurance and assistance in Mexico: unweighted and weighted provider share of partnerships, 2014
  • Provision of insurance and assistance by retailer category and distribution model in Mexico, 2014

12.0 PERU

  • Retailer insurance and assistance in Peru: provision by policy type, 2014
  • Retailer insurance and assistance in Peru: provision and operating models, 2014
  • Retailer insurance and assistance in Peru: unweighted and weighted provider share of partnerships, 2014
  • Provision of insurance and assistance by retailer category and distribution model in Peru, 2014

13.0 URUGUAY

  • Retailer insurance and assistance in Uruguay: provision by policy type, 2014
  • Retailer insurance and assistance in Uruguay: provision and operating models, 2014
  • Provision of insurance and assistance by retailer category and distribution model in Uruguay, 2014

14.0 USA

  • Retailer insurance and assistance in the US: provision by policy type, 2014
  • Retailer insurance and assistance in the US: provision and operating models, 2014
  • Retailer insurance and assistance in the US: unweighted and weighted provider share of partnerships, 2014
  • Provision of insurance and assistance by retailer category and distribution model in the US, 2014

15.0 APPENDIX

  • Retailer captives and joint ventures for insurance and assistance in North and Latin America: countries active, operating models and ownership, 2014
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