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Creditor Metrics: Consumer Approaches to Payment Protection Insurance in Germany Product Image

Creditor Metrics: Consumer Approaches to Payment Protection Insurance in Germany

  • Published: October 2012
  • Region: Germany
  • 55 Pages
  • Finaccord

Based on a survey of over 1,000 consumers, Creditor Metrics: Consumer Approaches to Payment Protection Insurance in Germany offers detailed and unique insights into the behaviour of consumers in the context of payment protection insurance.

Comprising both an analytical report and a convenient data annexe in Excel format, the research covers four types of creditor policy: insurance cross-sold in conjunction with mortgages; policies cross-sold with consumer finance and personal loans; cover linked to credit cards; and bill payment protection insurance. It measures take-up rates against the relevant audience (i.e. those with the underlying lending products in the first three cases and all respondents in the fourth) and also shows the distribution channels and interfaces used by respondents in Germany to take out creditor policies. Distribution channels vary by type of creditor insurance but can include the bank or other institution making the underlying loan plus a variety of other options; distribution interfaces include face-to-face, online, inbound telephone, outbound telephone and postal sales. Finally, the report analyses claims frequency across all types of creditor insurance READ MORE >

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

What is this report about?

Rationale

Definitions

European consumer research

Other international research reports

2.0 SURVEY ANALYSIS

Introduction

Survey and sample structure

Uptake overview for different types of creditor insurance

Creditor insurance linked to mortgages

Uptake of mortgages

Segmentation by age group and annual household income band

Uptake of creditor insurance linked to mortgages

Segmentation by type of cover held

Segmentation by age group

Segmentation by annual household income band

Distribution of creditor insurance linked to mortgages

Distribution channels used for creditor insurance linked to mortgages

Distribution interfaces used for creditor insurance linked to mortgages

Cross-tabulation of distribution channels and interfaces

Risk coverage

Risk coverage of creditor insurance linked to mortgages

Creditor insurance linked to consumer finance

Uptake of consumer finance

Segmentation by age group and annual household income band

Uptake of creditor insurance linked to consumer finance

Uptake of cover

Segmentation by age group

Segmentation by annual household income band

Distribution of creditor insurance linked to consumer finance

Distribution channels used for creditor insurance linked to consumer finance

Distribution interfaces used for creditor insurance linked to consumer finance

Cross-tabulation of distribution channels and interfaces

Risk coverage

Risk coverage of creditor insurance linked to consumer finance

Creditor insurance linked to credit cards

Uptake of credit cards

Segmentation by age group and annual household income band

Uptake of creditor insurance linked to credit cards

Uptake of cover

Segmentation by age group

Segmentation by annual household income band

Distribution of creditor insurance linked to credit cards

Distribution channels used for creditor insurance linked to credit cards

Distribution interfaces used for creditor insurance linked to credit cards

Cross-tabulation of distribution channels and interfaces

Risk coverage

Risk coverage of creditor insurance linked to credit cards

Bill payment protection insurance

Uptake of bill payment protection insurance

Uptake of cover

Segmentation by age group

Segmentation by annual household income band

Distribution of bill payment protection insurance

Distribution channels used for bill payment protection insurance

Distribution interfaces used for bill payment protection insurance

Cross-tabulation of distribution channels and interfaces

Claims for all types of creditor insurance

Frequency of and reasons for creditor insurance claims

Claims acceptance rates segmented by reason for claim

3.0 APPENDIX

Research sample statistics

Research structure

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

2.0 SURVEY ANALYSIS

German survey sample, segmented by age and annual household income

Proportion of all respondents and of eligible respondents covered by different types of creditor insurance in Germany, 2012

Respondents with a mortgage in Germany, segmented by age and by annual household income, 2012

Proportion of respondents with a mortgage in Germany covered by related creditor insurance, segmented by type of cover, 2012

Proportion of respondents with a mortgage in Germany covered by related creditor insurance, segmented by age, 2012

Proportion of respondents with a mortgage in Germany covered by related creditor insurance, segmented by annual household income, 2012

Distribution channels used for creditor insurance linked to mortgages in Germany, 2012

Distribution interfaces used for creditor insurance linked to mortgages in Germany, 2012

Cross-tabulation of distribution channels and interfaces used for creditor insurance linked to mortgages in Germany, 2012

Penetration of risk coverage for creditor insurance linked to mortgages in Germany, 2012

Respondents with consumer finance in Germany, segmented by age and by annual household income, 2012

Proportion of respondents with consumer finance in Germany covered by related creditor insurance, 2012

Proportion of respondents with consumer finance in Germany covered by related creditor insurance, segmented by age, 2012

Proportion of respondents with consumer finance in Germany with related creditor insurance, segmented by annual household income, 2012

Distribution channels used for creditor insurance linked to consumer finance in Germany, 2012

Distribution interfaces used for creditor insurance linked to consumer finance in Germany, 2012

Cross-tabulation of distribution channels and interfaces used for creditor insurance linked to consumer finance in Germany, 2012

Penetration of risk coverage for creditor insurance linked to consumer finance in Germany, 2012

Respondents with a credit card in Germany, segmented by age and by annual household income, 2012

Proportion of respondents with credit cards covered by related creditor insurance in Germany, 2012

Proportion of respondents with credit cards in Germany covered by related creditor insurance, segmented by age, 2012

Proportion of respondents with credit cards in Germany covered by related creditor insurance, segmented by annual household income, 2012

Distribution channels used for creditor insurance linked to credit cards in Germany, 2012

Distribution interfaces used for creditor insurance linked to credit cards in Germany, 2012

Cross-tabulation of distribution channels and interfaces used for creditor insurance linked to credit cards in Germany, 2012

Penetration of risk coverage for creditor insurance linked to credit cards in Germany, 2012

Proportion of respondents covered by bill payment protection insurance in Germany, 2012

Proportion of respondents covered by bill payment protection insurance in Germany, segmented by age, 2012

Proportion of respondents covered by bill payment protection insurance in Germany, segmented by annual household income, 2012

Distribution channels used for bill payment protection insurance in Germany, 2012

Distribution interfaces used for bill payment protection insurance in Germany, 2012

Cross-tabulation of distribution channels and interfaces used for bill payment protection insurance in Germany, 2012

Claims frequency by reason for claim across all types of creditor insurance in Germany, 2012

Claims acceptance by reason for claim across all types of creditor insurance in Germany, 2012

3.0 APPENDIX

German survey sample, segmented by geographical region

Note: Product cover images may vary from those shown

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