Home Emergency Insurance and Assistance in Europe
Finaccord, August 2010, Pages: 240
Home Emergency Insurance and Assistance in Europe is a report and associated PartnerBASE™ database about the market for this specialized type of cover in ten countries in Europe: Belgium, France, Germany, Italy, the Netherlands, Poland, Portugal, Spain, Sweden, and the UK.
In essence, the term ‘home emergency insurance and assistance’ encompasses policies that are sold on a stand-alone basis, or bundled with household insurance, banking products or utility services, 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 and water supply pipes;
- electrical emergencies and breakdowns.
Moreover, in several European markets, other types of cover are sometimes included within home emergency policies, most notably key or lock emergency insurance. In some cases, policies may also extend to other services such as emergency accommodation, child care, pet care or even psychological assistance following an emergency.
A number of factors combine to form a firm rationale for a report and database about home emergency insurance and assistance in Europe. First and foremost, this is the first ever focused publication on the subject on a pan-European basis. This is curious given the facts that the market is estimated by Finaccord to be worth as much as EUR 2.65 billion across ten European countries in 2010 and that it is growing rapidly in some countries.
Moreover, home emergency cover potentially represents a development opportunity for a variety of different distributors and providers. Over and above dedicated assistance firms that may specialize exclusively or in part in the field of home assistance, insurance companies can also develop home emergency insurance and assistance propositions that they can combine within their regular household insurance, sell on a stand-alone basis or distribute through other organizations.
In addition, as distributors and sometimes as service providers, energy and water firms can also enhance their core revenues through cross-selling home emergency cover. Indeed, in the UK, Centrica’s residential services segment contributed GBP 1.41 billion in gross revenues out of total gross revenues of GBP 12.57 billion at its downstream UK division in 2009, thereby making up 11.2% of the total. Furthermore, the same segment generated GBP 233 million in operating profits in the same year, accounting for 23.0% of total downstream UK operating profits which amounted to GBP 1.01 billion.
What is the report structure?
0. Executive Summary: providing a concise evaluation of the principal findings of the report.
1. Introduction: offering rationale, description of methodology and some definitions.
2. European Overview: comprising an overview of the European market including the size of the market for home emergency insurance and assistance in 2010 split by policy type and by country, measured both by value and volume. In addition, this chapter compares the housing stock across the ten countries, including the split between owner-occupied, privately-rented and social housing units, as well as providing a definitive overview of the extent to which energy firms, water companies and household insurers actually offer home emergency insurance or assistance and, for those that do, the operating models and partners that they utilize for this purpose.
3. Belgium: an in-depth analysis of the market for home emergency insurance and assistance in Belgium including: introduction to the underlying markets for energy, water and household insurance services; prevalence of bundling with payment cards and bank accounts; identification of key competitors in home emergency insurance and assistance in Belgium; and estimates for the current and likely future market size for home emergency insurance and assistance.
Key features of this report include:
- quantification of the market size for home emergency insurance and assistance: how much is the market really worth across the ten countries considered in Europe, how does it break down by policy type and by country, and how is it likely to have grown by 2014?
- identification of providers of home emergency insurance and assistance that have established relationships with energy firms, water companies and household insurers;
- the results of detailed consumer research covering the developed UK market including the perceived value and actual use of home emergency insurance and assistance in this market and analyses concerning the distribution channels used by customers to acquire the product;
- assessment of the degree to which insurance companies currently bundle home emergency cover with their mainstream household insurance policies: in which countries could this practice impact upon the development of the stand-alone market for home emergency insurance and assistance?
How can the research be used?
You may be able to use this report and the PartnerBASE that accompanies it in one or more of the following ways:
- appreciate the size of the opportunity in the market for home emergency insurance and assistance in Europe: in aggregate, this is a substantial market;
- understand how dynamic competitors are helping the sector to grow at a rate well in excess of the underlying markets for utilities services and household insurance in a number of countries;
- assess the position of significant national and international competitors such as almeda, Asitur, AXA Assistance, Europ Assistance, Fidelia Assistance, HomeServe, Inter Mutuelles Assistance, Mapfre Asistencia, Mondial Assistance, Multiasistencia, Roland Schutzbrief-Versicherung, SPB and The Warranty Group;
- the UK accounted for almost two thirds of the EUR 2.65 billion market value in 2010 - hence understanding the exact dynamics of the market for home emergency insurance and assistance in this country, and how and why consumers buy it, will provide indicators for how the market may develop elsewhere in Europe in future.
0.0 EXECUTIVE SUMMARY
The UK is by far the largest market in Europe followed by France and Spain
Housing stock characteristics are important market drivers
French energy companies are frequently involved in the marketing of home emergency cover
The distribution of home emergency cover through water firms is most common in the UK
The bundling of home emergency cover with household insurance is universal in Sweden
Various operating models are used for selling home emergency insurance and assistance
AXA Assistance, Europ Assistance, HomeServe and Mondial Assistance are market leaders
Finaccord anticipates continuing growth across Europe between 2010 and 2014
... albeit there are significant structural or regulatory obstacles in some countries
Sizeable utilities across Europe may be motivated by the success of Centrica in the UK
1.0 INTRODUCTION
RATIONALE
Home emergency insurance and assistance offers growth potential in several countries…
… which can potentially benefit a variety of different types of competitor
Residential services generated almost 23% of Centrica’s downstream UK operating profit in 2009
FINACCORD
PARTNERBASE™
METHODOLOGY
The survey extends to all significant energy and water firms as well as household insurers
Home emergency insurance and assistance can be sold in a variety of different formulae…
… with some policies covering non-urgent problems and others limited to ‘real’ emergencies
Sometimes, policies provide for insurance but no assistance or vice versa
2.0 EUROPEAN OVERVIEW
INTRODUCTION
HOUSING STOCK DATA
Germany plays host to the highest number of occupied dwellings
... albeit the number of houses, as opposed to flats, is highest in the UK
... and the number of owner-occupied properties is highest in France, Spain and Italy
PROVISION OF HOME EMERGENCY COVER BY ENERGY COMPANIES
French energy companies are most likely to offer some form of home assistance cover…
…while the marketing of comprehensive policies by energy companies is most common in Italy
PROVISION OF HOME EMERGENCY COVER BY WATER COMPANIES
Water companies in the UK are most likely to offer home emergency cover…
... although it is relatively rare for water firms to offer cover related to gas or electricity
PROVISION OF HOME EMERGENCY COVER BY HOUSEHOLD INSURERS
Insurers in Belgium, Italy and Sweden commonly offer home emergency cover
Spanish insurers are most likely to embed plumbing-related assistance within household insurance
OPERATING MODELS AND PARTNERSHIPS
Energy companies rarely work with more than one provider for home emergency cover
The great majority of water companies collaborate with a single external partner
In five out of the ten countries household insurers prefer to work with captive assistance providers
Four product providers account for almost one half of all partnerships
MARKET SIZE
The UK is by far the largest market for home emergency cover in terms of its overall value
Assistance cover related to gas problems accounts for most of the UK market…
…while comprehensive stand-alone policies and bundled cover are most common in Belgium
Spain is likely to be larger than France in terms of the number of policies in force
… with Portugal and Sweden occupying fourth and fifth positions, respectively
The market split by policy type varies substantially from country to country across Europe
MARKET GROWTH RATES
Home emergency insurance and assistance market has experienced years of fast expansion…
MARKET FORECAST
… and is likely to continue growing rapidly up to 2014 in a majority of countries investigated
3.0 BELGIUM
DWELLING STOCK DATA
Occupied and vacant dwellings
Houses and flats
Owner occupied, privately rented and social housing
ENERGY COMPANIES
Market structure, regulation and principal competitors
Since 2006, Belgian consumers have been able to choose their electricity providers
Involvement in home emergency insurance and assistance
Two of the largest Belgian energy firms have introduced a home emergency product
WATER COMPANIES
Market structure, regulation and principal competitors
Involvement in home emergency insurance and assistance
Belgian water companies are not active as distribution partners for home emergency cover
HOUSEHOLD INSURERS
Market structure, regulation and principal competitors
Penetration of property insurance among homeowners is almost universal in Belgium
Four major household insurers in Belgium possess their own assistance companies
Involvement in home emergency insurance and assistance
A majority of major household insurers in Belgium sell home emergency cover to customers
Most insurers prefer to collaborate with a single external assistance provider…
…with Mondial Assistance accounting for the highest number of partnerships
OTHER DISTRIBUTION CHANNELS
Packaging with payment cards and bank accounts
Belgian banks do not package home assistance with any of their credit cards or bank accounts
Alternative distribution channels
Some assistance providers in Belgium sell home emergency cover directly to consumers
VAB offers a product which combines maintenance and emergency assistance services
MARKET SIZE, GROWTH AND FORECAST
Policies bundled with household insurance account for more than 50% of the market value…
… while the number stand-alone policies is boosted by Electrabel’s involvement in the market
Both the stand-alone segment and bundled policies can be expected to grow further
4.0 FRANCE
DWELLING STOCK DATA
Occupied and vacant dwellings
Houses and flats
Owner occupied, privately rented and social housing
ENERGY COMPANIES
Market structure, regulation and principal competitors
The dominance of GDF remains largely intact in the French gas supply market…
…and much the same can be said of EDF in the electricity sector
Involvement in home emergency insurance and assistance
Seven French energy utilities offer some form of home emergency insurance or assistance…
…with Direct Energie, Poweo and Vialis focusing on gas-related and electrical cover only
EDF collaborates with two assistance providers for cover related to electrical and plumbing
problems
Gaz de France Dolcevita does not market home assistance directly to customers
WATER COMPANIES
Market structure, regulation and principal competitors
The private sector is highly involved in the distribution of water to households in France
Involvement in home emergency insurance and assistance
The largest French water firms are involved in the marketing of home emergency cover
Lyonnaise des Eaux allows its customers to choose between different assistance options
Two further water utilities will launch assistance products in the near future
Doméo has seen rapid growth in the number of households served…
… with its number of policies in force reaching 1.93 million in March 2010
HOUSEHOLD INSURERS
Market structure, regulation and principal competitors
It is compulsory for tenants and common among homeowners to take out household insurance
Several major insurance groups in France have their own assistance subsidiaries
Involvement in home emergency insurance and assistance
More than a half of household insurers offer a comprehensive home assistance service…
… although many only provide this assistance in the event of an emergency
There is no predominant operating model for marketing home emergency cover in France
Mondial Assistance emerges as the assistance provider with the highest number of partners
OTHER DISTRIBUTION CHANNELS
Packaging with payment cards and bank accounts
Home assistance is currently not packaged with any banking products in France
Alternative distribution channels
Gas-related home assistance is sometimes packaged with gas service contracts in France
Proxitherm has several partnerships with appliance manufacturers and service companies
Home emergency cover is also sold directly as a part of wider assistance packages
MARKET SIZE, GROWTH AND FORECAST
Plumbing-related cover accounts for more than 33% of the market value…
… while in terms of the number of policies, gas-related policies are ranked second
Electrical emergency and breakdown policies are predicted to outperform the market average
5.0 GERMANY
DWELLING STOCK DATA
Occupied and vacant dwellings
Houses and flats
Owner occupied, privately rented and social housing
ENERGY COMPANIES
Market structure, regulation and principal competitors
The largest four energy companies account for about 80% of the electricity market
German consumers are slowly becoming aware of their choice among different gas providers
Involvement in home emergency insurance and assistance
Four energy firms marketing home emergency insurance offer a comprehensive product…
... while the remainder focus on marketing disaggregated policies
The market for home emergency cover in bigger cities may be difficult to penetrate
WATER COMPANIES
Market structure, regulation and principal competitors
Fully privatized water utilities are relatively rare in Germany as mixed ownership structures prevail
INVOLVEMENT IN HOME EMERGENCY INSURANCE AND ASSISTANCE
Water companies play a smaller role than energy firms in selling home emergency cover
...although AXA Assistance has secured partnerships with several multi-service utilities
HOUSEHOLD INSURERS
Market structure, regulation and principal competitors
Flood cover is often excluded from standard household insurance in Germany
There were 27.6 million home contents policies in force in 2008
Four major insurance groups in Germany own captive assistance companies
Involvement in home emergency insurance and assistance
More than a third of household insurers offer home emergency cover
... which is provided in a comprehensive format in all but one case
... and which is often enriched with the provision of extra services
Most bundled home emergency products are provided on a captive basis
... either through a dedicated assistance firm or through local service providers
... with the duo of Allianz and Mondial Assistance identifiable as the market leader
The cheapest policies start from EUR 20 per year when packaged with household insurance
OTHER DISTRIBUTION CHANNELS
Packaging with payment cards and bank accounts
Hardly any payment cards or bank accounts in Germany include home assistance cover…
Alternative distribution channels
… and alternative distribution channels remain entirely undeveloped
MARKET SIZE, GROWTH AND FORECAST
The overall size of the German market is relatively small in comparison to other countries…
… and it is mainly driven by gas-related cover and policies bundled with household insurance
Cover integrated into household insurance can be expected to achieve the highest growth…
… although growth overall may be constrained by regulations on tele-marketing
6.0 ITALY
Dwelling stock data
Occupied and vacant dwellings
Houses and flats
Owner occupied, privately rented and social housing
Energy companies
Market structure, regulation and principal competitors
New competitors still struggle to challenge Enel for market share in the electricity market
Six years after the opening of the gas market under 5% of households had switched provider
Involvement in home emergency insurance and assistance
Energy brands belonging to A2A are pioneers in the market for home emergency cover
WATER COMPANIES
Market structure, regulation and principal competitors
The involvement of private sector companies in the water market is very rare in the south of Italy
Involvement in home emergency insurance and assistance
Italian water companies have yet to try marketing home emergency cover
HOUSEHOLD INSURERS
Market structure, regulation and principal competitors
Household insurance is not as widely held in Italy as in most other Western European countries
Involvement in home emergency insurance and assistance
About three in four Italian household insurers offer home emergency insurance and assistance…
…the majority of which work with a single external assistance provider
Europ Assistance has the largest number of external and captive partnerships
OTHER DISTRIBUTION CHANNELS
Packaging with payment cards and bank accounts
A relatively large number of Italian banking products carry home emergency insurance
Alternative distribution channels
Both Europ Assistance and Mondial Assistance sell home emergency cover directly to customers
MARKET SIZE, GROWTH AND FORECAST
In terms of premium income, stand-alone cover represents the largest share of the market…
… whereas more than 50% of policies in force are bundled with household insurance
The Italian market shows strong potential for utility-intermediated stand-alone emergency cover
7.0 NETHERLANDS
DWELLING STOCK DATA
Occupied and vacant dwellings
Houses and flats
Owner occupied, privately rented and social housing
ENERGY COMPANIES
Market structure, regulation and principal competitors
Competition in the Dutch electricity market is comparatively strong with high switching rates
Essent and Nuon were both acquired by foreign owners during 2009
Involvement in home emergency insurance and assistance
One major utility makes comprehensive home emergency cover available for EUR 132 a year
WATER COMPANIES
Market structure, regulation and principal competitors
The water market in the Netherlands is closed to private sector providers
Involvement in home emergency insurance and assistance
One water company makes home emergency assistance available on a captive basis
HOUSEHOLD INSURERS
Market structure, regulation and principal competitors
The penetration rate of household insurance in the Netherlands is comparatively high…
...while the assistance market is structured differently relative to other European countries
Involvement in home emergency insurance and assistance
Home emergency cover is not yet particularly widespread as a bundled product
... and where offered is always organized on a captive basis
OTHER DISTRIBUTION CHANNELS
Packaging with payment cards and bank accounts
Banks have not yet started to package home assistance with credit cards and bank accounts
Alternative distribution channels
Assistance providers in the Netherlands are reluctant to sell home emergency cover directly
MARKET SIZE, GROWTH AND FORECAST
The Dutch market for home emergency insurance and assistance is relatively limited in size…
… mainly as a result of the low rate of involvement of energy and water companies
Utility-intermediated emergency cover can be expected to become more widespread by 2014
8.0 POLAND
DWELLING STOCK DATA
Occupied and vacant dwellings
Houses and flats
Owner occupied, privately rented and social housing
ENERGY COMPANIES
Market structure, regulation and principal competitors
The Polish electricity and gas markets have been slow to introduce competition
Involvement in home emergency insurance and assistance
Energy companies have not yet entered the market for home emergency policies
WATER COMPANIES
Market structure, regulation and principal competitors
Water companies in Poland are usually owned by municipal governments
Involvement in home emergency insurance and assistance
Home emergency insurance products are currently not sold through water companies
HOUSEHOLD INSURERS
Market structure, regulation and principal competitors
Household insurance is less widely held in Poland than in most other European countries
Involvement in home emergency insurance and assistance
Most household insurance underwriters include home emergency cover in their policies
Poland’s largest insurer resumed offering home emergency insurance in 2010
Polish insurers usually do not offer home emergency cover as a stand-alone product
Compensa commenced a new partnership with Europ Assistance in 2009
OTHER DISTRIBUTION CHANNELS
Packaging with payment cards and bank accounts
Home emergency cover is commonly packaged with banking products in Poland
Alternative distribution channels
… and banks are also exploring other ways of marketing the product
MARKET SIZE, GROWTH AND FORECAST
Poland has the smallest market value among the ten countries covered
… although not in terms of the number of policies in force
The market will probably continue to be focused largely on bundled cover
9.0 PORTUGAL
DWELLING STOCK DATA
Occupied and vacant dwellings
Houses and flats
Owner occupied, privately rented and social housing
ENERGY COMPANIES
Market structure, regulation and principal competitors
Portugal has one of Europe’s least diversified electricity markets…
…while natural gas distribution is restricted primarily to urban areas
Involvement in home emergency insurance and assistance
Portuguese households can obtain home assistance through their electricity provider
WATER COMPANIES
Market structure, regulation and principal competitors
The provision of water is organized through public entities
Involvement in home emergency insurance and assistance
Only one water company in Portugal is offering plumbing-related assistance
HOUSEHOLD INSURERS
Market structure, regulation and principal competitors
Close to two out of three homes in Portugal are estimated to be insured
Involvement in home emergency insurance and assistance
Only a minority of Portuguese insurers both organise assistance services and pay for them
...while a larger number provide a more basic assistance service that has no insurance element
OTHER DISTRIBUTION CHANNELS
Packaging with payment cards and bank accounts
Many credit cards carry home assistance information services without covering repair costs
Alternative distribution channels
One major assistance provider in Portugal sells home assistance directly to customers
MARKET SIZE, GROWTH AND FORECAST
The Portuguese market is driven by home emergency cover distributed by utilities…
…while the number of policies bundled with household insurance remains relatively small
The Portuguese home emergency sector leaves limited scope for new entrants to the market
10.0 SPAIN
DWELLING STOCK DATA
Occupied and vacant dwellings
Houses and flats
Owner occupied, privately rented and social housing
ENERGY COMPANIES
Market structure, regulation and principal competitors
Endesa and Iberdrola together account for about 70% of the electricity market in Spain
The Spanish gas market is relatively small and still characterized by low switching rates
Involvement in home emergency insurance and assistance
Two of Spain’s largest energy firms provide a comprehensive home emergency product
Endesa collaborates with Reparalia for its home assistance proposition
WATER COMPANIES
Market structure, regulation and principal competitors
Agbar serves about 20 million consumers across more than 1,000 locations
Involvement in home emergency insurance and assistance
Sales of home emergency cover through water companies are starting up
HOUSEHOLD INSURERS
Market structure, regulation and principal competitors
Household insurance in Spain has grown rapidly in value and volume in recent years
Some of the largest household insurers make use of captive assistance providers
Revenues at the joint venture co-owned by Liberty Seguros and RACC grew by 45.5% in 2009
Involvement in home emergency insurance and assistance
A high proportion of household insurers offer home emergency cover for electrical breakdowns
Nine Spanish insurers provide home emergency insurance through a joint venture entity
...while some of the largest insurers rely on a captive assistance company
OTHER DISTRIBUTION CHANNELS
Packaging with payment cards and bank accounts
Several banking products in Spain carry packaged home assistance services
Alternative distribution channels
Reparalia offers home emergency policies directly to its customers and also sells through brokers
MARKET SIZE, GROWTH AND FORECAST
The largest segment in the Spanish market for home emergency insurance is bundled cover…
…while the total number of policies is higher than in almost any other market
The market for plumbing-related assistance can be expected to grow quickly over the next few years
11.0 SWEDEN
DWELLING STOCK DATA
Occupied and vacant dwellings
Houses and flats
Owner occupied, privately rented and social housing
ENERGY COMPANIES
Market structure, regulation and principal competitors
Consumers in Sweden switch their electricity provider with a fairly high rate of frequency…
…while E.ON Sverige dominates the tiny Swedish gas market
Involvement in home emergency insurance and assistance
There are few incentives for Swedish energy firms to sell home emergency cover
WATER COMPANIES
Market structure, regulation and principal competitors
There are more than 2,000 water providers serving local authorities in Sweden…
Involvement in home emergency insurance and assistance
… although none of these are active in marketing home emergency cover
HOUSEHOLD INSURERS
Market structure, regulation and principal competitors
All homeowners in Sweden are required to take out buildings insurance
Folksam and Länsförsäkringar account for the bulk of the household insurance market
Involvement in home emergency insurance and assistance
Household insurance normally includes home emergency insurance without assistance
…which means that there is limited scope for the involvement of external providers
OTHER DISTRIBUTION CHANNELS
Packaging with payment cards and bank accounts
Alternative distribution channels
MARKET SIZE, GROWTH AND FORECAST
Sweden has a large market for bundled home emergency cover…
…while there is no space for stand-alone policies
Growth in the market for home emergency insurance in Sweden is expected to be steady
12.0 UNITED KINGDOM
DWELLING STOCK DATA
Occupied and vacant dwellings
Houses and flats
Owner occupied, privately rented and social housing
ENERGY COMPANIES
Market structure, regulation and principal competitors
Since 1999, UK retail customers have been free to choose their electricity suppliers
The six largest competitors dominate both the electricity and the gas market
Involvement in home emergency insurance and assistance
The larger energy firms are invariably active in home emergency insurance and assistance…
… using a mix of single partner and captive operating models
WATER COMPANIES
Market structure, regulation and principal competitors
In England and Wales water companies are privately owned
Involvement in home emergency insurance and assistance
Several major water companies offer all forms of home emergency insurance and assistance
HomeServe and Inter Partner Assistance are the dominant partners in this sector…
… with HomeServe having been owned originally by South Staffordshire Water
HOUSEHOLD INSURERS
Market structure, regulation and principal competitors
UK consumers usually take out integrated home contents and buildings insurance policies
Involvement in home emergency insurance and assistance
Ten out of 34 underwriters did not offer home emergency cover at the time of the research
The operating models and partners used by household insurance brands are more diverse
OTHER DISTRIBUTION CHANNELS
Packaging with payment cards and bank accounts
It is increasingly common for home emergency cover to be packaged with added value accounts
ALTERNATIVE DISTRIBUTION CHANNELS
There are around a dozen challengers to the established incumbents in this market…
… dividing between multi-line competitors and more focused providers
Assurant Solutions: home emergency cover is embedded within the Protect your bubble brand
Business & Domestic and Principal Marketing and Insurance Services are both niche brokers
Progress Plus: home emergency cover is one of several forms of assistance offered
CONSUMER RESEARCH
Finaccord’s Assistance Metrics and Channel Metrics studies yield further UK-specific insights
Forms of home emergency insurance and assistance register encouragingly high utility ratings
Gas-related, plumbing-related and electrical problems occur with quite similar rates of frequency
Gas-related cover is most likely to have been acquired on a stand-alone basis
Cover packaged in added value accounts and household insurance is sometimes overlooked
A high percentage of consumers continue to pay for assistance only when they need it
The annual switching rate recorded for 2009 is almost identical to that for 2005
Patterns in interface usage are driven by different home emergency insurance formulae
Most sales of home emergency insurance occur on an intermediated basis
The share of sales of electricity, gas and water companies is clearly under intense pressure
MARKET SIZE, GROWTH AND FORECAST
Gas-related policies account for more than 50% of the total UK market value…
… although only slightly more than 40% of total stand-alone and bundled policies in force
Electrical emergency and breakdown policies are predicted to outgrow the market average
HomeServe enjoys an annual retention rate of 83% among its policyholders…
… and is keen to convert more of its ‘jobs’ customers to prepaid insurance customers
British Gas is growing its book of customers with plumbing-related and electrical policies
GRAPHICS / TABLES:
Organizations covered by the research segmented by type and by country
Number of occupied dwellings in Europe split by country, 2010
Number of total dwellings split between houses and flats and by country, 2010
Number of occupied dwellings split between split between owner occupation, private rental and social housing and by country, 2010
% of energy companies offering any form of home emergency insurance and assistance by country, 2010
% of energy companies offering home emergency insurance and assistance by type and country, 2010 (data)
% of water companies offering any form of home emergency insurance and assistance by country, 2010
% of water companies offering home emergency insurance and assistance by type and country, 2010 (data)
% of household insurers offering any form of home emergency insurance and assistance by country, 2010
% of household insurers offering home emergency insurance and assistance by type and country, 2010
% split of operating models used by energy companies for the provision of home emergency cover, 2010
% split of operating models used by energy companies for the provision of home emergency cover, 2010 (data)
% split of operating models used by water companies for the provision of home emergency cover, 2010
% split of operating models used by water companies for the provision of home emergency cover, 2010 (data)
% split of operating models used by household insurers for provision of home emergency cover, 2010
% split of operating models used by household insurers for provision of home emergency cover, 2010 (data)
Overview of competitor share of partnerships in Europe for home emergency insurance and assistance, 2010
Estimated size of the market for home emergency insurance and assistance in Europe by gross written premiums and other revenues split by country, 2010
Estimated value of the market for home emergency insurance and assistance in Europe split by type and by country, 2010
Estimated value of the market for home emergency insurance and assistance in Europe split by type and by country, 2010 (%)
Estimated value of the market for home emergency insurance and assistance in Europe split by type and by country, 2010 (data)
Estimated size of the market for home emergency insurance and assistance in Europe by policies in force split by country, 2010
Estimated size of the market for home emergency insurance and assistance in Europe by policies in force split by type and by country, 2010
Estimated size of the market for home emergency insurance and assistance in Europe by policies in force split by type and by country, 2010 (%)
Estimated size of the market for home emergency insurance and assistance in Europe by policies in force split by type and by country, 2010 (data)
Approximate average annual growth rate of the market for home emergency insurance and assistance in Europe by gross premiums written and other revenues split by country and policy type, 2006-2010
Forecast average annual growth rate of the market for home emergency insurance and assistance in Europe by gross premiums written and other revenues split by country and policy type, 2010-2014
Number of total dwellings in Belgium split between occupied and vacant dwellings, 2010
Number of total dwellings in Belgium split between houses and flats, 2010
Number of occupied dwellings in Belgium split between owner occupation, private rental and social housing, 2010
Energy companies offering home emergency insurance or assistance in Belgium: penetration by policy type, 2010
Energy companies offering home emergency insurance or assistance in Belgium: operating models and partner shares, 2010
Household insurers offering home emergency insurance or assistance in Belgium: penetration by policy type, 2010
Household insurers offering home emergency insurance or assistance in Belgium: operating models and partner shares, 2010
Approximate home emergency insurance and assistance gross premiums written and other revenues segmented by policy type in Belgium, 2010
Approximate home emergency insurance and assistance policies in force segmented by policy type in Belgium,2010
Key metrics for home emergency insurance and assistance in Belgium, 2006-2010-2014 (data)
Number of total dwellings in France split between occupied and vacant dwellings, 2010
Number of total dwellings in France split between houses and flats, 2010
Number of occupied dwellings in France split between owner occupation, private rental and social housing, 2010
Energy companies offering home emergency insurance or assistance in France: penetration by policy type, 2010
Energy companies offering home emergency insurance or assistance in France: operating models and partner shares, 2010
Water companies offering home emergency insurance or assistance in France: penetration by policy type, 2010
Water companies offering home emergency insurance or assistance in France: operating models and partner shares, 2010
Household insurers offering home emergency insurance or assistance in France: penetration by policy type, 2010
Household insurers offering home emergency insurance or assistance in France: operating models and partner shares, 2010
Approximate home emergency insurance and assistance gross premiums written and other revenues segmented by policy type in France, 2010
Approximate home emergency insurance and assistance policies in force segmented by policy type in France,2010
Key metrics for home emergency insurance and assistance in France, 2006-2010-2014 (data)
Number of total dwellings in Germany split between occupied and vacant dwellings, 2010
Number of total dwellings in Germany split between houses and flats, 2010
Number of occupied dwellings in Germany split between owner occupation, private rental and social housing,2010
Energy companies offering home emergency insurance or assistance in Germany: penetration by policy type,2010
Energy companies offering home emergency insurance or assistance in Germany: operating models and partner shares, 2010
Water companies offering home emergency insurance or assistance in Germany: penetration by policy type, 2010
Water companies offering home emergency insurance or assistance in Germany: operating models and partner shares, 2010
Household insurers offering home emergency insurance or assistance in Germany: penetration by policy type,2010
Household insurers offering home emergency insurance or assistance in Germany: operating models and partner shares, 2010
Payment cards and bank accounts in Germany with packaged home emergency insurance or assistance, 2010: list of products and partners
Approximate home emergency insurance and assistance gross premiums written and other revenues segmented by policy type in Germany, 2010
Approximate home emergency insurance and assistance policies in force segmented by policy type in Germany,2010
Key metrics for home emergency insurance and assistance in Germany, 2006-2010-2014 (data)
Number of total dwellings in Italy split between occupied and vacant dwellings, 2010
Number of total dwellings in Italy split between houses and flats, 2010
Number of occupied dwellings in Italy split between owner occupation, private rental and social housing, 2010
Energy companies offering home emergency insurance or assistance in Italy: penetration by policy type, 2010
Energy companies offering home emergency insurance or assistance in Italy: operating models and partner shares, 2010
Household insurers offering home emergency insurance or assistance in Italy: penetration by policy type, 2010
Household insurers offering home emergency insurance or assistance in Italy: operating models and partner shares, 2010
Payment cards and bank accounts in Italy with packaged home emergency insurance or assistance, 2010: list of products and partners
Approximate home emergency insurance and assistance gross premiums written and other revenues segmented by policy type in Italy, 2010
Approximate home emergency insurance and assistance policies in force segmented by policy type in Italy, 2010
Key metrics for home emergency insurance and assistance in Italy, 2006-2010-2014 (data)
Number of total dwellings in the Netherlands split between occupied and vacant dwellings, 2010
Number of total dwellings in the Netherlands split between houses and flats, 2010
Number of occupied dwellings in the Netherlands split between owner occupation, private rental and social housing, 2010
Energy companies offering home emergency insurance or assistance in the Netherlands: penetration by policy type, 2010
Energy companies offering home emergency insurance or assistance in the Netherlands: operating models and partner shares, 2010
Water companies offering home emergency insurance or assistance in the Netherlands: penetration by policy type, 2010
Water companies offering home emergency insurance or assistance in the Netherlands: operating models and partner shares, 2010
Household insurers offering home emergency insurance or assistance in the Netherlands: penetration by policy type, 2010
Household insurers offering home emergency insurance or assistance in the Netherlands: operating models and partner shares, 2010
Approximate home emergency insurance and assistance gross premiums written and other revenues segmented by policy type in the Netherlands, 2010
Approximate home emergency insurance and assistance policies in force segmented by policy type in Netherlands, 2010
Key metrics for home emergency insurance and assistance in the Netherlands, 2006-2010-2014 (data)
Number of total dwellings in Poland split between occupied and vacant dwellings, 2010 134
Number of total dwellings in Poland split between houses and flats, 2010
Number of occupied dwellings in Poland split between owner occupation, private rental and social housing, 2010
Household insurers offering home emergency insurance or assistance in Poland: penetration by policy type, 2010
Household insurers offering home emergency insurance or assistance in Poland: operating models and partner shares, 2010
Payment cards and bank accounts in Poland with packaged home emergency insurance or assistance, 2010: list of products and partners
Payment cards and bank accounts in Poland with packaged home emergency insurance or assistance, 2010: list of products and partners (continued)
Approximate home emergency insurance and assistance gross premiums written and other revenues segmented by policy type in Poland, 2010
Approximate home emergency insurance and assistance policies in force segmented by policy type in Poland,2010
Key metrics for home emergency insurance and assistance in Poland, 2006-2010-2014 (data)
Number of total dwellings in Portugal split between occupied and vacant dwellings, 2010
Number of total dwellings in Portugal split between houses and flats, 2010
Number of occupied dwellings in Portugal split between owner occupation, private rental and social housing, 2010
Energy companies offering home emergency insurance or assistance in Portugal: penetration by policy type, 2010
Energy companies offering home emergency insurance or assistance in Portugal: operating models and partner shares, 2010
Water companies offering home emergency insurance or assistance in Portugal: penetration by policy type, 2010
Water companies offering home emergency insurance or assistance in Portugal: operating models and partner shares, 2010
Household insurers offering home emergency insurance or assistance in Portugal: penetration by policy type, 2010
Household insurers offering home emergency insurance or assistance in Portugal: operating models and partner shares, 2010
Approximate home emergency insurance and assistance gross premiums written and other revenues segmented by policy type in Portugal, 2010
Approximate home emergency insurance and assistance policies in force segmented by policy type in Portugal,2010
Key metrics for home emergency insurance and assistance in Portugal, 2006-2010-2014 (data)
Number of total dwellings in Spain split between occupied and vacant dwellings, 2010
Number of total dwellings in Spain split between houses and flats, 2010
Number of occupied dwellings in Spain split between owner occupation, private rental and social housing, 2010
Energy companies offering home emergency insurance or assistance in Spain: penetration by policy type, 2010
Energy companies offering home emergency insurance or assistance in Spain: operating models and partner shares, 2010
Household insurers offering home emergency insurance or assistance in Spain: penetration by policy type, 2010
Household insurers offering home emergency insurance or assistance in Spain: operating models and partner shares, 2010
Payment cards and bank accounts in Spain with packaged home emergency insurance or assistance, 2010: list of products and partners
Approximate home emergency insurance and assistance gross premiums written and other revenues segmented by policy type in Spain, 2010
Approximate home emergency insurance and assistance policies in force segmented by policy type in Spain,2010
Key metrics for home emergency insurance and assistance in Spain, 2006-2010-2014 (data)
Number of total dwellings in Sweden split between occupied and vacant dwellings, 2010
Number of total dwellings in Sweden split between houses and flats, 2010
Number of occupied dwellings in Sweden split between owner occupation, private rental and social housing, 2010
Household insurers offering home emergency insurance or assistance in Sweden: penetration by policy type,2010
Household insurers offering home emergency insurance or assistance in Sweden: operating models and partner shares, 2010
Approximate home emergency insurance and assistance gross premiums written segmented by policy type in Sweden, 2010
Approximate home emergency insurance and assistance policies in force segmented by policy type in Sweden,2010
Key metrics for home emergency insurance and assistance in Sweden, 2006-2010-2014 (data)
Number of total dwellings in the UK split between occupied and vacant dwellings, 2010
Number of total dwellings in the UK split between houses and flats, 2010
Number of occupied dwellings in the UK split between owner occupation, private rental and social housing, 2010
Energy companies offering home emergency insurance or assistance in the UK: penetration by policy type, 2010
Energy companies offering home emergency insurance or assistance in the UK: operating models and partner shares, 2010
Water companies offering home emergency insurance or assistance in the UK: penetration by policy type, 2010
Water companies offering home emergency insurance or assistance in the UK: operating models and partner shares, 2010
Household insurers offering home emergency insurance or assistance in the UK: penetration by policy type, 2010
Household insurers offering home emergency insurance or assistance in the UK: operating models and partner shares, 2010
Payment cards and bank accounts in the UK with packaged home emergency insurance or assistance, 2010: list of products and partners
Alternative distributors in the UK offering home emergency insurance or assistance, 2010: list of products and partners
Perceived value among consumers in the UK of forms of home emergency insurance and assistance
Perceived value among consumers in the UK of forms of home emergency insurance and assistance (data)
Reported frequency of event necessitating a requirement for forms of home emergency insurance and assistance in the UK
Reported frequency of event necessitating a requirement for forms of home emergency insurance and assistance in the UK (data)
Approaches used to resolve problem caused by event in the UK including use of forms of home emergency insurance and assistance
Approaches used to resolve problem caused by event in the UK including use of forms of home emergency insurance and assistance (data)
% of consumers switching provider or acquiring home emergency insurance for the first time, 2009
Analysis of distribution interfaces used for acquiring home emergency insurance, 2009, 2007, 2005 and all previous years
Analysis of distribution interfaces used for acquiring home emergency insurance, 2009, 2007, 2005 and all previous years (data)
Overview of distribution channels used for acquiring home emergency insurance, 2009, 2007, 2005 and all previous years
Overview of distribution channels used for acquiring home emergency insurance, 2009, 2007, 2005 and all previous years (data)
Comparison of main distribution channels used for acquiring home emergency insurance, 2009 and all previous years
Detailed analysis of distribution channels used for acquiring home emergency insurance, 2009, 2007, 2005 and all previous years (data)
Approximate home emergency insurance and assistance gross premiums written and other revenues segmented by policy type in the UK, 2010
Approximate home emergency insurance and assistance policies in force segmented by policy type in the UK,2010
Key metrics for home emergency insurance and assistance in the UK, 2006-2010-2014 (data)
What methodology has been used?
The research for this report, in addition to the associated PartnerBASE™ database, was undertaken during a 12-week period from May to July 2010. The research extended to a total of 715 organisations in total, breaking down by type and country as depicted in the graphics overleaf, thereby accounting for all entities other than banks and card issuers, likely to participate in the distribution of home emergency insurance or assistance in each country. Among other data points, the research embraces the following information for each of the entities covered by the survey:
- whether any type of home emergency insurance or assistance is provided and, if so, whether this takes the form of electrical cover, gas-related contracts, plumbing-related policies and / or fully comprehensive cover;
- if so, whether cover also includes other types of assistance such as key or lock emergency insurance, child care or pet care;
- if so, how… through captive or internally managed schemes, through a single partner, through a broker or through relationships with multiple partners?
- if through external entities, the identity of the partner(s) used in each instance.
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