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

Creditor Metrics: Consumer Approaches to Payment Protection Insurance in Europe

  • ID: 2330134
  • October 2012
  • Region: Europe
  • 332 Pages
  • Finaccord

Based on a survey of over 6,000 consumers in France, Germany, Italy, Poland, Spain and the UK, Creditor Metrics: Consumer Approaches to Payment Protection Insurance in Europe 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 the six countries 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.

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0.0 EXECUTIVE SUMMARY

Across all creditor insurance products, mortgage-related creditor insurance has the highest take-up rate

Creditor insurance linked to mortgages: French and Spanish consumers are most likely to acquire cover

Creditor insurance linked to consumer finance: uptake is highest in Poland and lowest in the UK

Creditor insurance linked to credit cards: the average take-up rate across all six countries is 16.3%

Bill payment protection insurance: Germany displays the highest take-up rate

Claims frequency and acceptance: respondents claim most frequently on bill payment protection policies

1.0 INTRODUCTION

What is this report about?

Rationale

Definitions

European consumer research

Other international research reports

2.0 EUROPEAN OVERVIEW

Introduction

Survey and sample structure

Overview of take-up rates 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

Uptake among all and eligible respondents

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

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 among all and eligible respondents

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

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 among all and eligible respondents

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

Risk coverage

Risk coverage of creditor insurance linked to credit cards

Bill payment protection insurance

Uptake of bill payment protection insurance

Uptake among all respondents

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

Claims for all types of creditor insurance

Frequency of and reasons for creditor insurance claims

Claims acceptance rates segmented by reason for claim

Claims frequency segmented by type of creditor insurance policy

Claims acceptance rates by type of creditor insurance policy

3.0 FRANCE

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

Research sample statistics

4.0 GERMANY

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

Research sample statistics

5.0 ITALY

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

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

Research sample statistics

6.0 POLAND

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

Research sample statistics

7.0 SPAIN

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

Research sample statistics

8.0 UK

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

Research sample statistics

9.0 APPENDIX

Research sample statistics

Research structure

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

Proportion of all and eligible respondents covered by creditor insurance: six European countries, 2012 (table)

1.0 INTRODUCTION

2.0 EUROPEAN OVERVIEW

Survey sample, segmented by age group: six European countries, 2012

Survey sample, segmented by household income: six European countries, 2012

Survey sample, segmented by age group and by household income: six European countries, 2012 (table)

Proportion of all respondents covered by different types creditor insurance: six European countries, 2012

Proportion of all eligible respondents covered by different types creditor insurance: six European countries, 2012

Respondents with a mortgage, segmented by age group: six European countries, 2012

Respondents with a mortgage, segmented by household income: six European countries, 2012

Proportion of all and eligible respondents covered by creditor insurance linked to mortgages: six European countries, 2012

Proportion of respondents with a mortgage covered by related creditor insurance, segmented by type of cover: six European countries, 2012

Proportion of respondents with a mortgage covered by related creditor insurance, segmented by type of cover: six European countries, 2012 (table)

Proportion of respondents with a mortgage covered by related creditor insurance, segmented by age group: six European countries, 2012

Proportion of respondents with a mortgage covered by related creditor insurance, segmented by household income: six European countries, 2012

Distribution channels used for creditor insurance linked to mortgages: six European countries, 2012

Distribution channels used for creditor insurance linked to mortgages: six European countries, 2012 (table)

Distribution interfaces used for creditor insurance linked to mortgages: six European countries, 2012

Distribution interfaces used for creditor insurance linked to mortgages: six European countries, 2012 (table)

Penetration of risk coverage for creditor insurance linked to mortgages: six European countries, 2012 (table)

Penetration of risk coverage for creditor insurance linked to mortgages across six European countries, 2012

Respondents with consumer finance, segmented by age group: six European countries, 2012

Respondents with consumer finance, segmented by household income: six European countries, 2012

Proportion of all and eligible respondents covered by creditor insurance linked to consumer finance: six European countries, 2012

Proportion of respondents with consumer finance covered by related creditor insurance: six European countries, 2012

Proportion of respondents with consumer finance covered by related creditor insurance: six European countries, 2012 (table)

Proportion of respondents with consumer finance covered by related creditor insurance, segmented by age group: six European countries, 2012

Proportion of respondents with consumer finance covered by related creditor insurance, segmented by household income: six European countries, 2012

Distribution channels used for creditor insurance linked to consumer finance: six European countries, 2012

Distribution channels used for creditor insurance linked to consumer finance: six European countries, 2012 (table)

Distribution interfaces used for creditor insurance linked to consumer finance: six European countries, 2012

Distribution interfaces used for creditor insurance linked to consumer finance: six European countries, 2012 (table)

Penetration of risk coverage for creditor insurance linked to consumer finance: six European countries, 2012 (table)

Penetration of risk coverage for creditor insurance linked to consumer finance across six European countries, 2012

Respondents with a credit card, segmented by age group: six European countries, 2012

Respondents with a credit card, segmented by household income: six European countries, 2012

Proportion of all and eligible respondents covered by creditor insurance linked to credit cards: six European countries, 2012

Proportion of respondents with a credit card covered by related creditor insurance, segmented by type of cover: six European countries, 2012

Proportion of respondents with a credit card covered by related creditor insurance, segmented by type of cover: six European countries, 2012 (table)

Proportion of respondents with a credit card covered by related creditor insurance, segmented by age group: six European countries, 2012

Proportion of respondents with a credit card covered by related creditor insurance, segmented by household income: six European countries, 2012 (table)

Distribution channels used for creditor insurance linked to credit cards: six European countries, 2012

Distribution channels used for creditor insurance linked to credit cards: six European countries, 2012 (table)

Distribution interfaces used for creditor insurance linked to credit cards: six European countries, 2012

Distribution interfaces used for creditor insurance linked to credit cards: six European countries, 2012 (table)

Penetration of risk coverage for creditor insurance linked to credit cards: six European countries, 2012 (table)

Penetration of risk coverage for creditor insurance linked to credit cards across six European countries, 2012

Proportion of all respondents covered by bill payment protection insurance: six European countries, 2012

Proportion of respondents covered by bill payment protection insurance: six European countries, 2012

Proportion of respondents covered by bill payment protection insurance: six European countries, 2012 (table)

Proportion of respondents covered by bill payment protection insurance, segmented by age group: six European countries, 2012

Proportion of respondents covered by bill payment protection insurance, segmented by household income: six European countries, 2012

Distribution channels used for bill payment protection insurance: six European countries, 2012

Distribution channels used for bill payment protection insurance: six European countries, 2012 (table)

Distribution interfaces used for bill payment protection insurance: six European countries, 2012

Distribution interfaces used for bill payment protection insurance: six European countries, 2012 (table)

Claims frequency by reason for claim across all types of creditor insurance: six European countries, 2012

Claims acceptance by reason for claim across all types of creditor insurance: six European countries, 2012

Claims frequency by type of creditor insurance policy across six European countries, 2012

Claims acceptance by types of creditor insurance policy across six European countries, 2012

3.0 FRANCE

French 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 France, 2012

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

French survey sample, segmented by geographical region

4.0 GERMANY

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

German survey sample, segmented by geographical region

5.0 ITALY

Italian 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 Italy, 2012

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Italian survey sample, segmented by geographical region

6.0 POLAND

Polish 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 Poland, 2012

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Polish survey sample, segmented by geographical region

7.0 SPAIN

Spanish 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 Spain, 2012

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Spanish survey sample, segmented by geographical region

8.0 UK

UK 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 the UK, 2012

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Distribution channels used for bill payment protection insurance in the UK, 2012

Distribution interfaces used for bill payment protection insurance in the UK, 2012

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

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

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

UK survey sample, segmented by geographical region

9.0 APPENDIX

European survey sample, segmented by age group and by annual household income band

Note: Product cover images may vary from those shown
Note: Product cover images may vary from those shown

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