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市場調查報告書

英國的住家保險及援助服務

Home Emergency Insurance and Assistance in the UK

出版商 Finaccord Ltd. 商品編碼 310934
出版日期 內容資訊 英文 32 Pages
商品交期: 最快1-2個工作天內
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英國的住家保險及援助服務 Home Emergency Insurance and Assistance in the UK
出版日期: 2014年06月01日 內容資訊: 英文 32 Pages
簡介

本報告以英國的住家保險及救援服務市場為焦點,彙集補充的PartnerBASE市場資料集,再彙整其獨特的基礎所銷售或是保障電力、瓦斯、水管服務及家務保險、金融商品之合售的燃氣鍋爐和瓦斯配管、中心供暖法的故障、自來水幫浦、漏水、管線故障、電器意外及停電等該保險市場之分析資訊。

摘要整理

第1章 簡介

  • 報告的對象市場
  • 調查理由
    • Finaccord上次劃時代調查的更新·擴大版
  • 調查方法
    • 直接取材
      • 對超過80家公司的電力·瓦斯·自來水公司及住宅保險品牌的問卷調查
    • 市場資料
    • 外部資訊來源
  • 定義
    • 專門用語·簡稱
    • 運用模式
    • 貨幣,匯率,物價上升率
    • 運用模式
  • PartnerBASE
  • Finaccord

第2章 市場分析

  • 簡介
  • 住家週邊設施數資料
    • 英國擁有2700萬間已入住住宅
    • 其中約65%為屋主自住
  • 透過重要合作組織銷售
    • 調查對象的組織摘要
    • 契約率
    • 運用模式
    • 能源企業的合作關係
    • 自來水公司的合作關係
    • 家務保險品牌的合作關係
    • 重要合作組織的合作關係加重市場佔有率
  • 其他銷售管道
    • 燃氣鍋爐廠商
    • 直銷
    • 整合業者及仲介
    • 其他線上品牌
    • 支付卡及銀行帳戶
    • 汽車俱樂部
    • 其他經銷商
  • 市場規模,成長率,預測
    • 從幾個係數來看近幾年降低的英國市場成長率
    • - 但是2013年的實際成果仍超越2009年
    • 詳細調查英國市場實際狀態的英國金融行動監督機構(FCA)
  • 債權人保險的對象風險
    • 所有保險皆支援死亡及永久殘障的可能性
  • 替代銷售管道
    • 三大保險公司把房屋抵押貸款相關債權人保險做為消費者直銷
    • 追求「傳統型」付款保護規定的債務人,必須透過仲介業者來購買
    • 從消費者調查所闡明的「大半房屋抵押貸款人壽保險購買處都非直接貸方」
  • 債權人保險市場規模,成長率,預測
    • 市場目前幾乎全面由房屋抵押貸款相關人壽保險所構成 - 2003-2017年銷售額擴大的預測
    • 2005年秋天形成獨自的「大申訴」清單的Citizens Advice - 以最低5個問題為背景
    • 2007年以後由付款保護市場撤退的融資機關 - 已退還國內消費者140億磅
    • HomeServe的英國產業即使下降,客戶數預計也將落實190萬人
    • British Gas Insurance每位客戶的收益成果皆佳
    • 佔有效保險契約數3分之一的瓦斯及鍋爐對象契約
    • 家務保險合售在整個市場內漸趨薄弱
    • 除了物價上升的部分,市場全領域預定以實質年度平均成長率1.3%微增
目錄

Home Emergency Insurance and Assistance in the UK is a report plus an associated PartnerBASE™ dataset and market data file about the market for this type of cover in the UK. In essence, the term ‘home emergency insurance and assistance' encompasses policies that are sold on a stand-alone basis, or bundled with utility services, household insurance or banking products, that cover one or more of the following home-related problems:

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

Key features of this report include:

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

Types of organisation that may be able to use this report, plus the PartnerBASE™ dataset and market data file that accompanies it, include entities in the following categories:

  • assistance companies: this study constitutes a unique guide to an under-researched yet significant and continually evolving market be fully appraised of what growth could mean for your organisation;
  • insurance companies: as a concept that can be made distinct from regular household insurance, home emergency insurance and assistance can either be sold stand-alone or packaged within household insurance policies;
  • electricity, gas and water companies: growth in the market for home emergency cover, allied to apparently high profit margins, presents a revenue enhancement opportunity for electricity, gas and water companies as well as insurance and assistance firms;
  • management consultancies: are you helping an insurance or assistance provider to develop its business in the UK, or are you advising an energy or water firm with regards to how it can improve its profitability? If so, this research will provide you with important insights into the market for home emergency insurance and assistance.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
  • Rationale
    • This report updates and expands upon Finaccord's previous ground-breaking research
  • Methodology
    • Primary research
      • The survey includes more than 80 utility companies and home insurance brands
    • Market data
    • External sources
  • Definitions
    • Terms and abbreviations
    • Operating models
    • Currencies, exchange rates and inflation
  • PartnerBASE
  • Finaccord

2.0 MARKET ANALYSIS

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

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

  • Key market data for home emergency insurance in the UK

1.0 INTRODUCTION

2.0 MARKET ANALYSIS

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