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市場調查報告書

英國的地主保險市場:主要趨勢與市場機會

Landlord Insurance in the UK - Key Trends and Opportunities to 2017

出版商 Timetric 商品編碼 295030
出版日期 內容資訊 英文 56 Pages
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英國的地主保險市場:主要趨勢與市場機會 Landlord Insurance in the UK - Key Trends and Opportunities to 2017
出版日期: 2014年02月05日 內容資訊: 英文 56 Pages
簡介

英國的地主保險--土地、建築物擁有者的建築物受害保證、租金保證、一般損失賠償等的保險--的市場總保費收入,2012年時達到25億1000萬英鎊,佔國內損失賠償整體7.3%。由於2008∼2011年的不景氣期,出賃用住宅的戶數也增加了,及風險迴避的動向普遍擴大,預計該市場維持正成長。地主保險的認識度低,今後的市場成長空間還很大。

本報告提供英國的地主保險(Landlord Insurance)的市場相關分析、市場結構、特徵和推動因素、市場規模趨勢(過去、今後5年份)、產業的競爭力、近幾年的產業趨勢(資本交易、產業聯盟等)、政府的相關法規、政策,再加上主要企業簡介等調查,並將結果概述為以下內容。

第1章 摘要整理

第2章 簡介

第3章 市場分析

  • 市場規模
  • 推動市場要素
    • 住宅市場趨勢
    • 住宅建築情形
    • 商業建築物的建築情形
    • 商業建築物市場趨勢
    • 不景氣的影響
  • 保險申請情形
  • 市場預測
  • 流通結構

第4章 競爭環境

  • 市場參與企業
  • 商品開發
  • 投資收益
  • 地主保險市場SWOT分析

第5章 波特的五力分析

  • 供應商談判力:低
  • 買主的購買力:中
  • 進入障礙:中
  • 同業間的競爭:中∼高
  • 替代商品的威脅:中

第6章 資本交易趨勢(共3件)

第7章 最新的產業趨勢(共4件)

第8章 法規與合法性

  • 實施準備中的法規
    • 商業設施未付租金回收法(CRAR)
    • Flood Re(洪水保險)
    • 暴動(受害)評估法
    • 新清償能力制度

第9章 宏觀經濟的影響

  • 實質GDP成長率
  • 資產市場趨勢
  • 通貨膨脹率
  • 利率
  • 人口結構

第10章 企業簡介

  • Allianz Insurance Plc
    • 主要資料
    • 主要商品
    • 主要的競爭企業
    • 經營幹部
  • Aviva Plc
  • Axa UK Plc
  • Catlin Insurance Company (UK) Ltd
  • Direct Line Insurance Group Plc
  • Ecclesiastical Insurance Office Plc
  • FM Insurance Company Ltd
  • QBE Insurance (Europe) Ltd
  • Royal & Sun Alliance Insurance Plc
  • Zurich Insurance Plc

第11章 附錄

圖表一覽

目錄
Product Code: FS0112MR

The UK landlord insurance category is estimated to have generated GBP2.51 billion in gross written premiums in 2012, and accounted for 7.3% of the country's non-life insurance segment. Landlord policies cover the financial risks related to renting out a residential or commercial property, including damage to buildings or contents, loss of rent and public liability.

Growth in the category was maintained during the recession and economic weakness during 2008-2011, as a sluggish housing market triggered an increase in properties occupied on a rental basis. This signaled the reversal of a post-war trend towards property ownership, with close to 35% of properties rented through private or social housing landlords in 2012. This marked a five percentage-point increase from 2000 alone.

In addition to the subdued economic backdrop fueling a shift towards rented accommodation, it is also likely to have increased demand for landlord insurance due to greater risk aversion, a larger number of homeowners choosing to rent out property rather than sell at reduced prices, unemployment stoking a rise in the number of tenants in rent arrears, pessimistic businesses reducing their commitment to long commercial leases, and a rise in adverse weather-related incidents.

Opportunities exist to develop the category during the forecast period. Insurer-led market surveys have found that customers are under-informed about the insurance cover required for landlords, with up to a quarter of residential landlords opting to purchase a standard home insurance policy. Switching policyholders to appropriate landlord insurance policies presents a large growth potential for premiums in the category. Looser credit conditions and an increase in buy-to-let lending suggest additional favorable forces.

The outlook for the availability of flood insurance is clouded by uncertainty. Following the shift from the Statement of Principles to the industry and government Flood Re proposal, it has been confirmed that affordable flooding insurance will only be guaranteed for resident homeowners. Consequently, insurance premiums for landlords of both residential and commercial property are expected to face significant upside pressure over the forecast period. Industry associations estimate that the number of properties affected could be as high as 1 million.

Scope

  • This report provides market analysis, information and insights into the UK landlord insurance business
  • It provides a snapshot of the market size
  • It analyzes drivers and the outlook for the market
  • It provides information on distribution channels
  • It covers deals, news and regulatory developments

Reasons To Buy

  • Gain an understanding of the UK landlord insurance market size
  • Learn about the performance of market drivers and distribution channels
  • Understand the competitive landscape in terms of performance, profitability and product innovation
  • Find out more on key deals and recent developments in the market

Table of Contents

1. Executive Summary

2. Introduction

  • 2.1. What is this Report About?
  • 2.2. Definitions
  • 2.3. Methodology

3. Market Analysis

  • 3.1. Market Size
  • 3.2. Market Drivers
    • 3.2.1. Residential property market dynamics
    • 3.2.2. Residential construction
    • 3.2.3. Commercial construction
    • 3.2.4. Commercial property market dynamics
    • 3.2.5. Recessionary backdrop
  • 3.3. Claims
  • 3.4. Market Outlook
  • 3.5. Distribution

4. Competitive Landscape

  • 4.1. Participants
  • 4.2. Product Innovation
  • 4.3. Investment Returns
  • 4.4. Landlord Insurance - SWOT Analysis

5. Porter's Five Forces Analysis

  • 5.1. Bargaining Power of Suppliers: Low
  • 5.2. Bargaining Power of Buyers: Medium
  • 5.3. Barriers to Entry: Medium
  • 5.4. Intensity of Rivalry: Medium to High
  • 5.5. Threat of Substitution: Medium

6. Deals

  • 6.1. Brit Insurance Sells Simply Business Stake
  • 6.2. Aviva Joins the PowerPlace Panel for Commercial Property
  • 6.3. Specialist Rent Guarantee Product Launched

7. News

  • 7.1. Flood Re Exclusions Confirmed
  • 7.2. Finances Stretched After Christmas
  • 7.3. Rental Sector Warrants Greater Investment
  • 7.4. Decrease in Tenants on Benefits

8. Regulation and Compliance

  • 8.1. Upcoming Regulations
    • 8.1.1. Commercial Rent Arrears Recovery (CRAR)
    • 8.1.2. Flood Re
    • 8.1.3. Review of the Riot (Damages) Act
    • 8.1.4. Solvency II

9. Macroeconomic Backdrop

  • 9.1. Real GDP Growth
  • 9.2. Property Market Dynamics
  • 9.3. Inflation
  • 9.4. Interest Rates
  • 9.5. Demographics

10. Company Profiles

  • 10.1. Allianz Insurance Plc - Company Overview
    • 10.1.1. Allianz Insurance Plc - key facts
    • 10.1.2. Allianz Insurance Plc - main products
    • 10.1.3. Allianz Insurance Plc - main competitors
    • 10.1.4. Allianz Insurance Plc - key employees
  • 10.2. Aviva Plc - Company Overview
    • 10.2.1. Aviva Plc - key facts
    • 10.2.2. Aviva Plc - main products
    • 10.2.3. Aviva Plc - main competitors
    • 10.2.4. Aviva Plc - key employees
  • 10.3. Axa UK Plc - Company Overview
    • 10.3.1. Axa UK Plc - key facts
    • 10.3.2. Axa UK Plc - main products
    • 10.3.3. Axa UK Plc - main competitors
    • 10.3.4. Axa UK Plc - key employees
  • 10.4. Catlin Insurance Company (UK) Ltd - Company Overview
    • 10.4.1. Catlin Insurance Company (UK) Ltd - key facts
    • 10.4.2. Catlin Insurance Company (UK) Ltd - main products
    • 10.4.3. Catlin Insurance Company (UK) Ltd - main competitors
    • 10.4.4. Catlin Insurance Company (UK) Ltd - key employees
  • 10.5. Direct Line Insurance Group Plc - Company Overview
    • 10.5.1. Direct Line Insurance Group Plc - key facts
    • 10.5.2. Direct Line Insurance Group Plc - main products
    • 10.5.3. Direct Line Insurance Group Plc - main competitors
    • 10.5.4. Direct Line Insurance Group Plc - key employees
  • 10.6. Ecclesiastical Insurance Office Plc - Company Overview
    • 10.6.1. Ecclesiastical Insurance Office Plc - key facts
    • 10.6.2. Ecclesiastical Insurance Office Plc - main products
    • 10.6.3. Ecclesiastical Insurance Office Plc - main competitors
    • 10.6.4. Ecclesiastical Insurance Office Plc - key employees
  • 10.7. FM Insurance Company Ltd - Company Overview
    • 10.7.1. FM Insurance Company Ltd - key facts
    • 10.7.2. FM Insurance Company Ltd - main products
    • 10.7.3. FM Insurance Company Ltd - main competitors
    • 10.7.4. FM Insurance Company Ltd - key employees
  • 10.8. QBE Insurance (Europe) Ltd - Company Overview
    • 10.8.1. QBE Insurance (Europe) Ltd - key facts
    • 10.8.2. QBE Insurance (Europe) Ltd - main products
    • 10.8.3. QBE Insurance (Europe) Ltd - main competitors
    • 10.8.4. QBE Insurance (Europe) Ltd - key employees
  • 10.9. Royal & Sun Alliance Insurance Plc - Company Overview
    • 10.9.1. Royal & Sun Alliance Insurance Plc - key facts
    • 10.9.2. Royal & Sun Alliance Insurance Plc - main products
    • 10.9.3. Royal & Sun Alliance Insurance Plc - main competitors
    • 10.9.4. Royal & Sun Alliance Insurance Plc - key employees
  • 10.10. Zurich Insurance Plc - Company Overview
    • 10.10.1. Zurich Insurance Plc - key facts
    • 10.10.2. Zurich Insurance Plc - main products
    • 10.10.3. Zurich Insurance Plc - main competitors
    • 10.10.4. Zurich Insurance Plc - key employees

11. Appendix

  • 11.1. Methodology
  • 11.2. Contact Timetric
  • 11.3. About Timetric
  • 11.4. Timetric's Services
  • 11.5. Disclaimer

List of Tables

  • Table 1: Insurance Industry Definitions
  • Table 2: Table 2: UK Households Living in Privately Rented Properties (Millions), 2007-2012
  • Table 3: Landlord Insurance: Market Participants
  • Table 4: UK Landlord Insurance - Market SWOT Analysis
  • Table 5: Upcoming Regulatory Changes
  • Table 6: Allianz Insurance Plc, Key Facts
  • Table 7: Allianz Insurance Plc, Main Products
  • Table 8: Allianz Insurance Plc, Key Employees
  • Table 9: Aviva Plc, Key Facts
  • Table 10: Aviva Plc, Main Products
  • Table 11: Aviva Plc, Key Employees
  • Table 12: Axa UK Plc, Key Facts
  • Table 13: Axa UK Plc, Main Products
  • Table 14: Axa UK Plc, Key Employees
  • Table 15: Catlin Insurance Company (UK) Ltd, Key Facts
  • Table 16: Catlin Insurance Company (UK) Ltd, Main Products
  • Table 17: Catlin Insurance Company (UK) Ltd, Key Employees
  • Table 18: Direct Line Insurance Group Plc, Key Facts
  • Table 19: Direct Line Insurance Group Plc, Main Products
  • Table 20: Direct Line Insurance Group Plc, Key Employees
  • Table 21: Ecclesiastical Insurance Office Plc, Key Facts
  • Table 22: Ecclesiastical Insurance Office Plc, Main Products
  • Table 23: Ecclesiastical Insurance Office Plc, Key Employees
  • Table 24: FM Insurance Company Ltd, Key Facts
  • Table 25: FM Insurance Company Ltd, Main Products
  • Table 26: FM Insurance Company Ltd, Key Employees
  • Table 27: QBE Insurance (Europe) Ltd, Key Facts
  • Table 28: QBE Insurance (Europe) Ltd, Main Products
  • Table 29: QBE Insurance (Europe) Ltd, Key Employees
  • Table 30: Royal & Sun Alliance Insurance Plc, Key Facts
  • Table 31: Royal & Sun Alliance Insurance Plc, Main Products
  • Table 32: Royal & Sun Alliance Insurance Plc, Key Employees
  • Table 33: Zurich Insurance Plc, Key Facts
  • Table 34: Zurich Insurance Plc, Main Products
  • Table 35: Zurich Insurance Plc, Key Employees

List of Figures

  • Figure 1: Composition of UK Residential Property by Tenure, 2007-2012
  • Figure 2: Household Expenditure on Rent and Mortgages (GBP), 2010-2012
  • Figure 3: UK Residential Construction Output (GBP Million), 2004-2012
  • Figure 4: UK Commercial Construction Output (GBP Million), 2004-2012
  • Figure 5: Average Commercial Lease Length (Years), 2002-2011
  • Figure 6: Landlord Repossessions Through County Courts, 2004-2012
  • Figure 7: UK Landlord Insurance - Five Forces Analysis
  • Figure 8: The UK's Insurance Regulatory Framework
  • Figure 9: Real GDP Growth (%), 2008-2017
  • Figure 10: UK Commercial and Residential Construction Output, 2004-2012
  • Figure 11: Consumer Price Inflation (%), 2001-2013
  • Figure 12: UK Population Growth and Median Age, 1995-2012
  • Figure 13: UK Standards of Living (GBP), 1997-2011
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