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Risk Metrics: Consumer Concern for and Acquisition of Insurance for Everyday Risks in the UK
Finaccord, January 2012, Pages: 249
Risk Metrics: Consumer Concern for and Acquisition of Insurance for Everyday Risks in the UK is an updated study about 40 types of risk and their associated insurance, warranty and assistance policies that are often described as ‘niche’ when compared to more mainstream insurance policies such as motor, household, travel and life insurance. However, the vast majority of these types of risk are deemed to be relevant to their circumstances by over 50% of survey respondents with the result that many have also acquired a policy to cover the risk.
In fact, the research measures the relevance and degree of concern caused to survey participants by each of these 40 risks as well as measuring the take-up rates for the related insurance, warranty and assistance policies, whether on a stand-alone or packaged basis, among consumers with results broken out in detail in each case by gender, age group, annual household income and geographical location of respondents. Furthermore, for most policy types it is also possible to compare the latest results for 2011 with those from the previous survey carried out in 2007.
The types of insurance used to cover these risks, which fall into seven broader categories, are as follows:
Personal health
- children's health insurance
- critical illness insurance
- dental expenses insurance
- health / hospital cash plans
- long-term income protection insurance
- personal accident insurance
- private medical insurance
- sports accident insurance
Financial commitments:
- bill payment protection insurance
- credit card payment protection insurance
- legal expenses insurance, loan payment protection insurance
- mortgage payment protection insurance
- short-term income protection insurance (accident / illness)
- short-term income protection insurance (unemployment);
Personal possessions (insurance):
- bicycle insurance
- furniture insurance
- garden insurance
- glasses / spectacles insurance
- handbag / briefcase insurance
- jewellery insurance
- missed event / ticket cancellation insurance
- mobile gadget insurance
- mobile telephone insurance
- musical instrument insurance
- pet insurance
- purchase protection insurance
Personal possessions (warranty):
- extended warranty / service contract for audio-visual appliance
- extended warranty / service contract for computing device
- extended warranty / service contract for kitchen appliance
Personal security:
- card protection insurance
- identity theft insurance / assistance
Home ownership:
- drainage / plumbing / water supply pipe insurance
- electrical emergency and breakdown insurance
- gas boiler / gas supply pipe / gas central heating insurance
Car ownership:
- breakdown recovery insurance
- extended warranty / service contract for car
- GAP / shortfall protection insurance
- MOT insurance
- tyre insurance
KEY BENEFITS
You may be able to use this report in one or more of the following ways:
- gain cost-effective access to a source of data and insight covering 40 types of insurance, warranty and assistance policy which in aggregate amount to a substantial stand-alone market;
- prioritise the way in which you promote different types of cover to existing or prospective customers in accordance with the apparent concern that the underlying risks are causing them;
- appreciate the degree to which packaging with other financial services is already limiting or possesses the potential to limit the future development of stand-alone markets in the UK;
- understand the likely future outlook for the insurance, warranty and assistance policies considered on the basis of both the results for 2011 and the time line analysis in comparison to 2007;
- use the data describing the preoccupations and behaviour of each consumer segment to improve your marketing campaigns for each of the 40 forms of insurance, warranty and assistance product under review.
0.0 EXECUTIVE SUMMARY
Critical illness and identity theft score highly for both relevance to and concern among consumers
The perceived relevance of mobile gadget insurance increased most rapidly between 2007 and 2011...
... with the degree of concern moving up most quickly for the risks associated with bicycle insurance
Arguably, children’s health and critical illness insurance are the most ‘under-sold’ forms of cover...
... with breakdown recovery, furniture, garden and jewellery insurance at the other end of the spectrum
For 13 of the 40 policy types, packaged or substitute cover is more important than stand-alone cover...
... although five can only ever be acquired in a stand-alone format
Purchase of stand-alone cover has increased most strongly for pet insurance...
... and (quite predictably) has fallen most precipitously for credit card payment protection insurance
Propensity to take out stand-alone unemployment insurance peaks in the 25-34 age group
Extended warranties for computing devices are bought quite evenly across all levels of household income
Londoners are more likely to acquire many types of cover than their counterparts elsewhere in the UK...
... especially for policies related to personal health and financial commitments
1.0 INTRODUCTION
Scope and rationale
Over a half of respondents deem the majority of risk types covered to be relevant to their circumstances...
… although, in many cases, little or no published research exists to illustrate consumer behaviour
The Risk Metrics research program adds value in four key respects…
… and is relevant to a variety of financial and other affinity partners as well as insurance providers
Changes relative to the 2007 survey
Nine brand new policy types are covered by the latest survey
Rounding differences
Finaccord
Risk Metrics and other consumer research studies focused on the UK
UK affinity and partnership marketing publications
2.0 RISK OVERVIEW
Introduction
For most of the insurance types investigated, the results for 2011 can be compared with those for 2007
Relevance of underlying risks
Insurance types
Consumers are most likely to perceive defects to computing devices as a relevant risk...
...with risks related to ownership of a musical instrument emerging as the least relevant
Risks associated with ownership of mobile gadgets have seen the greatest rise in perceived relevance
Degree of concern caused by underlying risks
Insurance types
Among the relevant audience, risks to children’s health occasion the highest rates of concern…
... with respondents also showing relatively high concern about their own health and that of their pets
Generally speaking, consumers are least concerned about missing events for which they bought a ticket
Concern has risen most rapidly for the risks associated with ownership of a bicycle
Consumers seem to be less worried about identity theft than they were in 2007
Risks related to home ownership have seen an increase in respondent anxiety
Overall policy take-up rates
Among all consumers
Only breakdown recovery insurance is held by more than a half of all survey participants…
… although a further four types of cover have been acquired by more than a third of the sample
Tyre insurance registers the weakest overall take-up rate across all consumers
The overall take-up rate for pet insurance has advanced most rapidly since 2007...
... although take-up rates for 16 out of 30 forms of cover have fallen back
Among consumers for whom underlying risks are relevant
14 of the 40 types of cover considered are held by more than a third of the relevant audience
Since 2007, take-up rates for different forms of home emergency cover have tended to move up strongly...
... with those for loan and credit card payment protection cover, as expected, having both declined rapidly
Several types of insurance appear under-sold relative to the concern that the related risks cause
Stand-alone policy take-up rates
Among all consumers
Insurance to cover the risks analysed can often by acquired on a packaged basis…
... which is priced at less per policy by insurance underwriters than stand-alone cover
Consumers are most likely to acquire breakdown recovery insurance in a stand-alone format...
... whereas purchase protection insurance is only ever available as a packaged concept
In terms of their rise in stand-alone take-up rate, two forms of home emergency cover perform well
Among consumers for whom underlying risks are relevant
Within the relevant audience, the stand-alone take-up rate for musical instrument insurance is much higher
There is a stand-alone market, albeit sometimes small, in almost every instance
3.0 RISK ANALYSIS
Introduction
Risks related to personal health
Children’s health
Critical illness
Dental expenses
Medical or hospital treatment
Permanent disability
Personal accidents
Medical expenses
Sports-related accidents
Risks related to financial commitments
Mortgage payments
Loan / car finance payments
Credit card payments
Bill payments
Short-term accident or illness
Short-term unemployment
Legal expenses
Risks related to personal possessions (accidental damage, loss or theft)
Bicycles
Furniture
Gardens, garden plants and garden equipment and furniture
Glasses or spectacles
Handbags or briefcases
Jewellery
Event tickets
Mobile gadgets
Mobile telephones
Musical instruments
Pets
Valuable purchases
Risks related to personal possessions (mechanical or technical defects)
Audio-visual appliances
Computing devices
Kitchen appliances
Risks related to personal security
Cards, keys and personal documents
Identity
Risks related to home ownership
Drainage, plumbing and water supply pipes
Electricity supply
Gas boilers, gas supply pipes and gas central heating
Risks related to car ownership
Cars (breakdown)
Cars (mechanical / technical defects)
Cars (financial shortfall)
Cars (MOT failure)
Car tyres
4.0 SEGMENT ANALYSIS
Introduction
Risks related to personal health
Children’s health
Critical illness
Dental expenses
Medical or hospital treatment
Permanent disability
Personal accidents
Medical expenses
Sport-related accidents
Risks related to financial commitments
Mortgage payments
Loan / car finance payments
Credit card payments
Bill payments
Short-term accident or illness
Short-term unemployment
Legal expenses
Risks related to personal possessions (accidental damage, loss or theft)
Bicycles
Furniture
Gardens, garden plants and garden equipment and furniture
Glasses or spectacles
Handbags or briefcases
Jewellery
Event tickets
Mobile gadgets
Mobile telephones
Musical instruments
Pets
Valuable purchases
Risks related to personal possessions (mechanical or technical defects)
Audio-visual appliances
Computing devices
Kitchen appliances
Risks related to personal security
Cards, keys and documents
Identity
Risks related to home ownership
Drainage, plumbing and water supply pipes
Electricity supply
Gas boilers, gas supply pipes and gas central heating
Risks related to car ownership
Cars (breakdown)
Cars (mechanical / technical defects)
Cars (financial shortfall)
Cars (MOT failure)
Car tyres
5.0 APPENDIX
Research methodology, sample and structure
LIST OF GRAPHICS / TABLES
0.0 EXECUTIVE SUMMARY
Plotting relevance to respondents against degree of concern to respondents reveals considerable variations in the potential for the 40 types of cover analysed
Relative to the degree of concern caused by the underlying risks, around 20 out of 40 forms of cover appear ‘under-sold’
For most types of cover, stand-alone purchase is more common than acquisition via a packaged or substitute policy
Different types of insurance, warranty and assistance display very different take-up rates by age group
Annual household income also has a significant bearing on take-up rates for different insurance, warranty and assistance products
For most risk groups, the greater youth and affluence of Londoners produces insurance take-up rates that are higher than elsewhere in the UK
1.0 INTRODUCTION
2.0 RISK OVERVIEW
Ranking of insurance types by degree of relevance to respondents, 2011
Ranking of insurance types by change in degree of relevance to consumers, 2007 to 2011
Plot of insurance types by relevance among all consumers in 2011 versus change in relevance from 2007 to 2011
Ranking of insurance groups by change in average degree of relevance to consumers, 2007 to 2011
Ranking of insurance types by degree of concern caused by underlying risks among consumers for whom the risk is relevant, 2011
Ranking of insurance types by change in degree of concern caused by underlying risks among consumers for whom the risk is relevant, 2007 to 2011
Plot of insurance types by degree of concern caused by underlying risks among consumers for whom the risk is relevant in 2011 versus change in degree of concern from 2007 to 2011
Plot of relevance of and degree of concern caused by underlying risks among all consumers, 2011
Ranking of insurance groups by change in degree of concern caused by underlying risks among consumers for whom the risk is relevant, 2007 to 2011
Ranking of insurance types by overall take-up rates among all consumers, 2011
Ranking of insurance types by change in overall take-up rates among all consumers, 2007 to 2011
Plot of insurance types by overall take-up rates among all consumers in 2011 versus change in overall take-up rates from 2007 to 2011
Ranking of insurance types by overall take-up rates among consumers for whom the underlying risks are relevant, 2011
Plot of degree of concern caused by underlying risks and overall insurance take-up rates among consumers for whom the underlying risks are relevant, 2011 38
Ranking of insurance types by overall take-up rates among consumers for whom the underlying risks are relevant, 2007 to 2011 39
Plot of insurance types by overall take-up rates among consumers for whom the underlying risks are relevant in 2011 versus change in overall take-up rates from 2007 to 2011
Ranking of insurance types by take-up rates for stand-alone cover among all consumers, 2011
Ranking of insurance types by change in take-up rates for stand-alone cover among all consumers, 2007 to 2011
Plot of insurance types by stand-alone take-up rates among all consumers in 2011 versus change in stand-alone take-up rates from 2007 to 2011
Ranking of insurance types by take-up rates for stand-alone cover among consumers for whom the underlying risks are relevant, 2011
Plot of consumers for whom the underlying risks are relevant with stand-alone cover and those within the same group with packaged / substitute cover, 2011
Ranking of insurance types by change in take-up rates for stand-alone cover among consumers for whom the underlying risks are relevant, 2007 to 2011
Plot of insurance types by stand-alone take-up rates among consumers for whom the underlying risks are relevant in 2011 versus change in stand-alone take-up rates from 2007 to 2011
3.0 RISK ANALYSIS
Children’s health: level of concern and degree of relevance to respondents, 2011
Children’s health insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Critical illness: level of concern and degree of relevance to respondents, 2011
Critical illness insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Dental expenses: level of concern and degree of relevance to respondents, 2011
Dental insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Medical or hospital treatment: level of concern and degree of relevance to respondents, 2011
Health / hospital cash plans: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Permanent disability: level of concern and degree of relevance to respondents, 2011
Long-term income protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Personal accidents: level of concern and degree of relevance to respondents, 2011
Personal accident insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Medical expenses: level of concern and degree of relevance to respondents, 2011
Private medical insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Sports-related accidents: level of concern and degree of relevance to respondents, 2011
Sports accident insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Mortgage payments: level of concern and degree of relevance to respondents, 2011
Mortgage term life / mortgage payment protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Loan / car finance payments: level of concern and degree of relevance to respondents, 2011
Loan payment protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Credit card payments: level of concern and degree of relevance to respondents, 2011
Credit card payment protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Bill payments: level of concern and degree of relevance to respondents, 2011
Bill payment protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Short-term accident or illness: level of concern and degree of relevance to respondents, 2011
Short-term income protection insurance (covering accident and / or illness): respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Short-term unemployment: level of concern and degree of relevance to respondents, 2011
Short-term income protection insurance (covering unemployment): respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Legal expenses: level of concern and degree of relevance to respondents, 2011
Legal expenses insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Accidental damage to or loss or theft of bicycles: level of concern and degree of relevance to respondents, 2011
Bicycle insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Accidental damage or defects to furniture: level of concern and degree of relevance to respondents, 2011
Furniture insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Accidental damage to gardens and accidental damage to or theft of garden plants, equipment or furniture: level of concern and degree of relevance to respondents, 2011
Garden insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Accidental damage to or loss or theft of glasses or spectacles: level of concern and degree of relevance to respondents, 2011
Glasses / spectacles insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Accidental damage to or loss or theft of handbags or briefcases: level of concern and degree of relevance to respondents, 2011
Handbag / briefcase insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Accidental damage to or loss or theft of jewellery: level of concern and degree of relevance to respondents, 2011
Jewellery insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Inability to attend an event: level of concern and degree of relevance to respondents, 2011
Missed event / ticket cancellation insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Accidental damage to or loss or theft of mobile gadgets: level of concern and degree of relevance to respondents, 2011
Mobile gadget insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Accidental damage to or loss or theft of mobile telephones: level of concern and degree of relevance to respondents, 2011
Mobile telephone insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Accidental damage to or loss or theft of musical instruments: level of concern and degree of relevance to respondents, 2011
Musical instrument insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Veterinary expenses associated with ownership of pets: level of concern and degree of relevance to respondents, 2011
Pet insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Pet insurance: respondent penetration rates split between owners of cats, dogs and other animals, 2011
Accidental damage to or loss or theft of any kind of high value purchase: level of concern and degree of relevance to respondents, 2011
Purchase protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Mechanical or technical defects to audio-visual appliances: level of concern and degree of relevance to respondents, 2011
Extended warranties for audio-visual appliances: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Mechanical or technical defects to computing devices: level of concern and degree of relevance to respondents, 2011
Extended warranties for computing devices: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Mechanical or technical defects to kitchen appliances: level of concern and degree of relevance to respondents, 2011
Extended warranties for kitchen appliances: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Loss or theft of cards, keys or valuable documents: level of concern and degree of relevance to respondents, 2011
Card protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Identity theft: level of concern and degree of relevance to respondents, 2011
Identity protection insurance / assistance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Drainage, plumbing and water supply pipe emergencies or faults: level of concern and degree of relevance to respondents, 2011
Drainage / plumbing / water supply pipe insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Electrical emergencies or faults: level of concern and degree of relevance to respondents, 2011
Electrical emergency and breakdown insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Gas boiler, gas supply pipe or gas central heating emergencies or faults: level of concern and degree of relevance to respondents, 2011
Gas boiler / gas supply pipe / gas central heating insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Car breakdown: level of concern and degree of relevance to respondents, 2011
Breakdown recovery insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Mechanical or technical defects to cars: level of concern and degree of relevance to respondents, 2011
Extended warranties for cars: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Financial shortfall associated with ownership of cars: level of concern and degree of relevance to respondents, 2011
GAP / shortfall protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
MOT failure: level of concern and degree of relevance to respondents, 2011
MOT insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
Punctures or other damage to tyres: level of concern and degree of relevance to respondents, 2011
Tyre insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011
4.0 SEGMENT ANALYSIS
Children’s health: level of concern and degree of relevance split by respondent segment, 2011
Children’s health insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Critical illness: level of concern and degree of relevance split by respondent segment, 2011
Critical illness insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Dental expenses: level of concern and degree of relevance split by respondent segment, 2011
Dental insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Medical or hospital treatment: level of concern and degree of relevance split by respondent segment, 2011
Health / hospital cash plans: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Permanent disability: level of concern and degree of relevance split by respondent segment, 2011
Long-term income protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Personal accidents: level of concern and degree of relevance split by respondent segment, 2011
Personal accident insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Medical expenses: level of concern and degree of relevance split by respondent segment, 2011
Private health insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Sport-related accidents: level of concern and degree of relevance split by respondent segment, 2011
Sports accident insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Mortgage payments: level of concern and degree of relevance split by respondent segment, 2011
Mortgage life / mortgage payment protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Loan / car finance payments: level of concern and degree of relevance split by respondent segment, 2011
Loan payment protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Credit card payments: level of concern and degree of relevance split by respondent segment, 2011
Credit card payment protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Bill payments: level of concern and degree of relevance split by respondent segment, 2011
Bill payment protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Short-term accident or illness: level of concern and degree of relevance split by respondent segment, 2011
Short-term income protection insurance (covering accident and / or illness): respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Short-term unemployment: level of concern and degree of relevance split by respondent segment, 2011
Short-term income protection insurance (covering unemployment): respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Legal expenses: level of concern and degree of relevance split by respondent segment, 2011
Legal expenses insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Accidental damage to or loss or theft of bicycles: level of concern and degree of relevance split by respondent segment, 2011
Bicycle insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Accidental damage or defects to furniture: level of concern and degree of relevance split by respondent segment, 2011
Furniture insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Accidental damage to gardens and accidental damage to or theft of garden plants, equipment or furniture: level of concern and degree of relevance split by respondent segment, 2011
Garden insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Accidental damage to or loss or theft of glasses or spectacles: level of concern and degree of relevance split by respondent segment, 2011
Glasses / spectacles insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Accidental damage to or loss or theft of handbags or briefcases: level of concern and degree of relevance split by consumer, 2011 segment, 2011
Handbag / briefcase insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Accidental damage to or loss or theft of jewellery: level of concern and degree of relevance split by respondent segment, 2011
Jewellery insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Inability to attend an event: level of concern and degree of relevance split by respondent segment, 2011
Missed event / ticket cancellation insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Accidental damage to or loss or theft of mobile gadgets: level of concern and degree of relevance split by respondent segment, 2011
Mobile gadget insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Accidental damage to or loss or theft of mobile telephones: level of concern and degree of relevance split by respondent segment, 2011
Mobile telephone insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Accidental damage to or loss or theft of musical instruments: level of concern and degree of relevance split by respondent segment, 2011
Musical instrument insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Veterinary expenses associated with ownership of pets: level of concern and degree of relevance split by respondent segment, 2011
Pet insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Accidental damage to or loss or theft of any kind of high value purchase: level of concern and degree of relevance split by respondent segment, 2011
Purchase protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Mechanical or technical defects to audio-visual appliances: level of concern and degree of relevance split by respondent segment, 2011
Extended warranties for audio-visual appliances: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Mechanical or technical defects to computing devices: level of concern and degree of relevance split by respondent segment, 2011 2
Extended warranties for computing devices: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Mechanical or technical defects to kitchen appliances: level of concern and degree of relevance split by respondent segment, 2011
Extended warranties for kitchen appliances: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Loss or theft of cards, keys or valuable documents: level of concern and degree of relevance split by respondent segment, 2011
Card protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Identity theft: level of concern and degree of relevance split by respondent segment, 2011
Identity theft insurance / assistance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Drainage, plumbing or water supply pipe emergencies or faults: level of concern and degree of relevance split by respondent segment, 2011
Drainage / plumbing / water supply pipe insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Electrical emergencies or faults: level of concern and degree of relevance split by respondent segment, 2011
Electrical emergency and breakdown insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Gas boiler, gas supply pipe or gas central heating emergencies or faults: level of concern and degree of relevance split by respondent segment, 2011
Gas boiler / gas supply pipe / gas central heating insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Car breakdown: level of concern and degree of relevance split by respondent segment, 2011
Breakdown recovery insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Mechanical or technical defects to cars: level of concern and degree of relevance split by respondent segment, 2011
Extended warranties for cars: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Financial shortfall associated with ownership of cars: level of concern and degree of relevance split by respondent segment, 2011
GAP / shortfall protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
MOT failure: level of concern and degree of relevance split by respondent segment, 2011
MOT insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
Punctures or other damage to tyres: level of concern and degree of relevance split by respondent segment, 2011
Tyre insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011
5.0 APPENDIX
Sample breakdown by age group and annual household income
Sample breakdown by geography and type of bank account held
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