歐洲消費者對信用卡付款保障保險（PPI）的意識 是由出版商Finaccord Ltd.在2006年08月所出版的。
這份英文市場調查報告書包含Pages: 135 價格從美金3292起跳。
Abstract
Finaccord' s report titled Creditor Metrics: Consumer Approaches to Payment
Protection Insurance linked to Credit Cards in Europe, is based on a survey,
carried out by Internet and telephone, of over 6,500 consumers in five major
European markets, all of whom possess at least one of a mortgage, a personal
loan, consumer credit contract, car finance or leasing agreement, or credit
card.
It provides data and analysis that will help banking institutions, insurance
companies and other interested parties to understand the overall
characteristics of the market for insurance linked to credit cards and to
benchmark their own performance in cross-selling these products. The following
are some of the key findings from the report, published on 20th August 2006:
One in four French cardholders possess insurance that protects their card
payments
- when asked whether they possess one or more insurance policies that
protects them in the event that they cannot pay the balance borrowed through
their credit card, cardholders in France are most likely to do so with 40.0%
of cardholders claiming to hold insurance as opposed to a low of 19.3% in
Italy;
- for the same question, intermediate data points of 22.6%, 25.0% and 25.2%
are registered for Germany, Spain and the UK, respectively;
- in essence, these figures represent the percentage of respondents that has
made a conscious decision to protect their card payments through insurance -
however, it probably excludes a number of respondents who hold an insurance
policy oriented towards personal protection (eg. life insurance) but who do
not consider that this is specifically covering their card payments;
In all five countries, many cardholders do not use their card to borrow money
or to defer payments
- among cardholders who consider that their card payments are uninsured, the
highest proportion in each country state that because they do not use the card
to borrow money or defer payments, they do not perceive much benefit in buying
this insurance, the exact percentages being 43.9% in France, 43.5% in Germany,
30.3% in Italy, 32.8% in Spain and 39.1% in the UK;
- once these cardholders have been excluded, among those lacking insurance
who do use the card to borrow money or defer payments, Spanish respondents are
most likely to state that they see the benefit but have not yet got round to
buying insurance while those in France are most likely to venture that they
see the benefit but find the insurance to be too expensive;
- in contrast, in Germany, Italy and the UK, among the same constituency of
cardholders lacking insurance but who do use their card to borrow money or
defer payments, the highest percentage respond that they do not perceive much
benefit in buying this insurance;
- nevertheless, a key finding is that with the exception of the UK, where
the percentage is just 6.8%, between 15% and 30% of respondents lacking
insurance do so purely because they have not yet got round to buying a policy
to protect their credit cards payments rather than because they have any
fundamental objection;
Table of Contents
0.0 EXECUTIVE SUMMARY
- One in four French cardholders possess insurance that protects their card
payments
- In all five counts., many cardholders do not use their card to borrow
money or to defer payments
- German cardholders often insure their card payments indirectly through
other protection policies
- Cover in the event of temp. incapacity is least commonly purchased by
Spanish cardholders...
- ... while protection for unemployment is most frequently held by their
counterparts in the UK
- In France, Italy and Spain, many cardholders believe that they are not
paying for their insurance
- German borrowers are most likely to acquire ins. from a source other than
the original issuer...
- ... and over 75% of respondents in the UK are prepared to utilise a remote
distribution interface
- The success of paid-for policies in the UK enhances the volume of instant.
sales of insurance
- UK and Spanish cardholders are most likely to cancel their ins. used to
protect card payments
1.0 INTRODUCTION
- Finaccord
- European consumer research
- Creditor insurance
- Mobile telephone insurance
- Travel insurance
- European market, partnership and bancassurance research
- Research rationale
- Mainstream bancassurance markets are comparatively well documented...
- ... whereas creditor insurance is not
- Creditor insurance: a poorly understood "third" bancassurance market?
- The Creditor Metrics series offers vital benchmarking data for lending
insts. and underwriters
- Research methodology
- The research embraces a total of over 6,250 respondents across the five
countries
- Research strengths and weaknesses
- A mixed Internet and telephone research methodology produces balanced
results...
- ... that offer a representative picture of consumers with at least one
lending product
2.0 EUROPEAN OVERVIEW
- Introduction
- % of respondents holding a credit card
- Respondents in Germany are least likely to possess a credit card
- % of respondents with insurance that protects their credit card payments
- Insurance protecting credit card payments is most widely held by French
consumers
- Attitudes towards insurance protecting credit cards of resps. without cover
- Many fail to buy because of objections concerning the expense or utility
of the insurance
- Types of insurance used by resps. to protect credit card payments
- A high percentage of German cardholders use other policies to protect card
payments
- Risks covered by insurance used by resps. to protect credit card payments
- Borrowers reporting cover for temporary incapacity are least numerous in
Spain...
- ... while those in the UK are most likely to be have acquired protection
for unemployment
- Insurance used to protect credit card payments - free and paid-for policies
- In France, Italy and Spain, many cardholders believe that their insurance
is included for free
- Insurance used to protect credit card payments - distribution channels
- The distribution share of the original card issuers is weakest in Germany
- Insurance used to protect credit card payments - distribution interfaces
- Out-bound tele-marketing of insurance appears to have yielded the most
success in Spain
- Insurance used to protect credit card payments - point in time obtained
- Simultaneous sales of insurance to protect credit card payments are
weakest in Germany...
- ... although the potential for re-solicitation is apparently highest in
Germany
- Attitudes towards insurance protecting credit cards of resps. with cover
- Cardholder enthusiasm for card payment protection insurance is weakest in
the UK
3.0 FRANCE
- Introduction
- Research sample
- The research embraces a total of 1,232 respondents in France
- % of respondents holding a credit card
- % of respondents with insurance that protects their credit card payments
- Attitudes towards insurance protecting credit cards of resps. without cover
- Types of insurance used by respondents to protect credit card payments
- Risks covered by insurance used by resps. to protect credit card payments
- Insurance used to protect credit card payments - paid for and free policies
- Insurance used to protect credit card payments - distribution channels
- Insurance used to protect credit card payments - distribution interfaces
- Insurance used to protect credit card payments - point in time obtained
- Attitudes towards insurance protecting credit card of resps. with cover
4.0 GERMANY
- Introduction
- Research sample
- The research embraces a total of 1,210 respondents in Germany
- % of respondents holding a credit card
- % of respondents with insurance that protects their credit card payments
- Attitudes towards insurance protecting credit cards of resps. without cover
- Types of insurance used by respondents to protect credit card payments
- Risks covered by insurance used by resps. to protect credit card payments
- Insurance used to protect credit card payments - paid for and free policies
- Insurance used to protect credit card payments - distribution channels
- Insurance used to protect credit card payments - distribution interfaces
- Insurance used to protect credit card payments - point in time obtained
- Attitudes towards insurance protecting credit card of resps. with cover
5.0 ITALY
- Introduction
- Research sample
- The research embraces a total of 1,222 respondents in Italy
- % of respondents holding a credit card
- % of respondents with insurance that protects their credit card payments
- Attitudes towards insurance protecting credit cards of resps. without cover
- Types of insurance used by respondents to protect credit card payments
- Risks covered by insurance used by resps. to protect credit card payments
- Insurance used to protect credit card payments - paid for and free policies
- Insurance used to protect credit card payments - distribution channels
- Insurance used to protect credit card payments - distribution interfaces
- Insurance used to protect credit card payments - point in time obtained
- Attitudes towards insurance protecting credit card of resps. with cover
6.0 SPAIN
- Introduction
- Research sample
- The research embraces a total of 1,250 respondents in Spain
- % of respondents holding a credit card
- % of respondents with insurance that protects their credit card payments
- Attitudes towards insurance protecting credit cards of resps. without cover
- Types of insurance used by respondents to protect credit card payments
- Risks covered by insurance used by resps. to protect credit card payments
- Insurance used to protect credit card payments - paid for and free policies
- Insurance used to protect credit card payments - distribution channels
- Insurance used to protect credit card payments - distribution interfaces
- Insurance used to protect credit card payments - point in time obtained
- Attitudes towards insurance protecting credit card of resps. with cover
7.0 UNITED KINGDOM
- Introduction
- Research sample
- The research embraces a total of 1,340 respondents in the UK
- % of respondents holding a credit card
- % of respondents with insurance that protects their credit card payments
- Attitudes towards insurance protecting credit cards of resps. without cover
- Types of insurance used by respondents to protect credit card payments
- Risks covered by insurance used by resps. to protect credit card payments
- Insurance used to protect credit card payments - paid for and free policies
- Insurance used to protect credit card payments - distribution channels
- Insurance used to protect credit card payments - distribution interfaces
- Insurance used to protect credit card payments - point in time obtained
- Attitudes towards insurance protecting credit card of resps. with cover
GRAPHICS / TABLES
- Sample breakdown across five European countries by age group
- Sample breakdown across five European countries by annual household income
- % of respondents in five European countries holding a credit card, 2006
- % of respondents in five European countries holding insurance that
protects their credit card payments, 2006
- % split of attitudes towards ins. that protects mort. payments of resps.
in five Euro. countries without cover, 2006
- Types of insurance used by respondents in five European countries to
protect credit card payments, 2006
- Risks cov. by ins. used by resps. in five Euro. counts. to protect mort.
pays., 2006 (pen. among borrowers with ins.)
- Risks cov. by ins. used by resps. in five Euro. counts. to protect mort.
pays., 2006 (pen. among all borrowers)
- Seg. of ins. used by resps. in five Euro. counts. to protect credit card
pays. between paid for and free policies, 2006
- Distribution channels used by resps. in five Euro. countries to obtain
ins. used to protect credit card payments, 2006
- Distribution interfaces used by resps. in five Eur. countries to obtain
ins. used to protect credit card payments, 2006
- Point in time chs. by resps. in five Euro. counts. to obt. ins. used to
prot. mortg. pays., 2006 (anal. for borrs. with ins.)
- Point in time chs. by resps. in five Euro. counts. to obt. ins. used to
prot. mortg. pays., 2006 (analysis for all borrs.)
- % split of attitudes towards ins. that protects mort. payments of resps.
in five European countries with cover, 2006
- Sample breakdown in France by age group, household income band and
geographical location
- % of respondents in France holding a credit card, 2006
- % of respondents in France holding insurance that protects their credit
card payments, 2006
- % split of attitudes towards insurance that protects credit card payments
of resps. in France without cover, 2006
- Types of insurance used by respondents in France to protect credit card
payments, 2006 (1)
- Types of insurance used by respondents in France to protect credit card
payments, 2006 (2)
- Risks covered by insurance used by respondents in France to protect credit
card payments, 2006
- Seg. of ins. used by resps. in France to protect credit card payments
between paid for and free policies, 2006
- Distribution channels used by resps. in France to obtain insurance used to
protect credit card payments, 2006
- Distribution interfaces used by resps. in France to obtain insurance used
to protect credit card payments, 2006
- Point in time chosen by respondents in France to obtain insurance used to
protect credit card payments, 2006
- % split of attitudes towards insurance that protects credit card payments
of resps. in France with cover, 2006
- Sample breakdown in Germany by age group, household income band and
geographical location
- % of respondents in Germany holding a credit card, 2006
- % of respondents in Germany holding insurance that protects their credit
card payments, 2006
- % split of attitudes towards insurance that protects credit card payments
of resps. in Germany without cover, 2006
- Types of insurance used by respondents in Germany to protect credit card
payments, 2006 (1)
- Types of insurance used by respondents in Germany to protect credit card
payments, 2006 (2)
- Risks covered by insurance used by respondents in Germany to protect
credit card payments, 2006
- Seg. of ins. used by resps. in Germany to protect credit card payments
between paid for and free policies, 2006
- Distribution channels used by resps. in Germany to obtain insurance used
to protect credit card payments, 2006
- Distribution interfaces used by resps. in Germany to obtain insurance used
to protect credit card payments, 2006
- Point in time chosen by respondents in Germany to obtain insurance used to
protect credit card payments, 2006
- % split of attitudes towards insurance that protects credit card payments
of resps. in Germany with cover, 2006
- Sample breakdown in Italy by age group, household income band and
geographical location
- % of respondents in Italy holding a credit card, 2006
- % of respondents in Italy holding insurance that protects their credit
card payments, 2006
- % split of attitudes towards insurance that protects credit card payments
of resps. in Italy without cover, 2006
- Types of insurance used by respondents in Italy to protect credit card
payments, 2006 (1)
- Types of insurance used by respondents in Italy to protect credit card
payments, 2006 (2)
- Risks covered by insurance used by respondents in Italy to protect credit
card payments, 2006
- Seg. of ins. used by resps. in Italy to protect credit card payments
between paid for and free policies, 2006
- Distribution channels used by resps. in Italy to obtain insurance used to
protect credit card payments, 2006
- Distribution interfaces used by resps. in Italy to obtain insurance used
to protect credit card payments, 2006
- Point in time chosen by respondents in Italy to obtain insurance used to
protect credit card payments, 2006
- % split of attitudes towards insurance that protects credit card payments
of resps. in Italy with cover, 2006
- Sample breakdown in Spain by age group, household income band and
geographical location
- % of respondents in Spain holding a credit card, 2006
- % of respondents in Spain holding insurance that protects their credit
card payments, 2006
- % split of attitudes towards insurance that protects credit card payments
of resps. in Spain without cover, 2006
- Types of insurance used by respondents in Spain to protect credit card
payments, 2006 (1)
- Types of insurance used by respondents in Spain to protect credit card
payments, 2006 (2)
- Risks covered by insurance used by respondents in Spain to protect credit
card payments, 2006
- Seg. of ins. used by resps. in Spain to protect credit card payments
between paid for and free policies, 2006
- Distribution channels used by resps. in Spain to obtain insurance used to
protect credit card payments, 2006
- Distribution interfaces used by resps. in Spain to obtain insurance used
to protect credit card payments, 2006
- Point in time chosen by respondents in Spain to obtain insurance used to
protect credit card payments, 2006
- % split of attitudes towards insurance that protects credit card payments
of resps. in Spain with cover, 2006
- Sample breakdown in the UK by age group, household income band and
geographical location
- % of respondents in the UK holding a credit card, 2006
- % of respondents in the UK holding insurance that protects their credit
card payments, 2006
- % split of attitudes towards insurance that protects credit card payments
of resps. in the UK without cover, 2006
- Types of insurance used by respondents in the UK to protect credit card
payments, 2006 (1)
- Types of insurance used by respondents in the UK to protect credit card
payments, 2006 (2)
- Risks covered by insurance used by respondents in the UK to protect credit
card payments, 2006
- Seg. of ins. used by resps. in the UK to protect credit card payments
between paid for and free policies, 2006
- Distribution channels used by resps. in the UK to obtain insurance used to
protect credit card payments, 2006
- Distribution interfaces used by resps. in the UK to obtain insurance used
to protect credit card payments, 2006
- Point in time chosen by respondents in the UK to obtain insurance used to
protect credit card payments, 2006
- % split of attitudes towards insurance that protects credit card payments
of resps. in the UK with cover, 2006
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