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GAP Insurance for New and Used Cars in Europe Product Image

GAP Insurance for New and Used Cars in Europe

  • Published: October 2013
  • Region: Europe
  • 186 Pages
  • Finaccord

The report titled 'GAP Insurance for New and Used Cars in Europe' provides comprehensive and in-depth research covering 25 countries in Europe among which GAP insurance in a stand-alone format was found to be present in 19, namely: Austria, Belgium, Czech Republic, Denmark, France, Germany, Greece, Hungary, Ireland, Italy, Luxembourg, Poland, Portugal, Russia, Slovakia, Spain, Turkey and the UK.

Based on a survey of 1,350 dealers in these countries and an investigation typically covering between 30 and 40 automotive brands in each territory (albeit with a maximum of over 50 in Russia), the study delivers unique insights into the market for stand-alone GAP insurance for new and used passenger cars bought by consumers. Moreover, the research also generates data describing the size, in terms of gross written premiums, for the market for GAP insurance for new and used cars in each country.

In addition to this unique market data, the survey results are also used to measure the extent to which automotive dealers and manufacturer brands actually organise and intermediate GAP insurance in each country, to calculate average customer take-up rates for GAP insurance at the point READ MORE >

Table of Contents

Executive Summary

Introduction

Regional overview
- Austria
- Belgium
- Czech Republic
- Denmark
- France
- Germany
- Greece
- Hungary
- Ireland
- Italy
- Luxembourg
- Netherlands
- Poland
- Portugal
- Russia
- Slovakia
- Spain
- Turkey
- UK

List of Graphics / Tables

0.0 EXECUTIVE SUMMARY

Gross written premiums for GAP insurance in Europe amount to around EUR 879.6 million...

... with an increasing number of schemes offsetting lower volumes due to falling sales of new cars

Allianz, BNP Paribas Cardif, PSA Insurance and Genworth Financial are the most prominent providers

... although a further 11 competitors are active in GAP insurance in at least two countries

1.0 INTRODUCTION

What is this report about?

The focus of the report is on GAP insurance related to the sale of passenger cars to individuals

Rationale

The provision of financial services is essential to support both car sales and profitability

This report offers a detailed and unique analysis of the subject in Europe based on primary research

Methodology

Survey of dealers and manufacturers

Market data

Computation of market data is based on a variety of inputs including the results of the dealer survey

External sources

Definitions

GAP insurance

Operating models

Tied and non-tied providers

Abbreviations

Graphical analyses

PartnerBASE and market data annexe

Finaccord

2.0 REGIONAL OVERVIEW

Passenger vehicle data

Car parc

Europe's passenger car parc exceeded 300 million vehicles in 2012...

...and Russia may have the largest number of cars on the road by 2015

New car sales to individuals

New car sales fell in every year between 2008 and 2012...

...meaning that the buoyant Russian market accounts for a rising share of the total

New car sales in Greece and Hungary collapsed most severely in proportion to their sales in 2008...

...but the decline in Italy has been the largest in terms of volumes

Used car sales

Used car sales have remained relatively stable in recent years

In Hungary, over 25 used cars were sold for every new car in 2012...

... compared to equivalent ratios of just 1.09 and 1.05 in Luxembourg and Russia, respectively

Sales by manufacturer groups

Across the 25 countries VW group sells nearly as many cars as its next two rivals combined

The AvtoVAZ and Fiat groups are particularly strong in their home markets

Survey of automotive dealers and manufacturer brands

Dealer survey results

Over a half of dealers surveyed distribute GAP insurance in seven of the 25 countries...

... but none at all in eight

As an average, dealers in France, Russia and Slovakia make use of the most insurance providers

More than three in ten dealers use non-tied providers as well as or instead of tied providers

France, Germany and the UK consistently record relatively high average and overall take-up rates...

... for both new and used car buyers

Manufacturer brand survey results

Schemes endorsed by manufacturer brands are most evident in Slovakia and the Czech Republic...

... but are entirely absent from Finland, Norway, Romania, Sweden, Switzerland and Ukraine

Most manufacturer schemes are established directly with a single, external underwriter of GAP insurance

Market value

The value of the pan-European market is skewed to a relatively small number of countries...

... although it exceeds EUR 5 million in eight...

... and is non-existent in only six

Away from the point of sale, there are at least six independent providers of GAP cover in the UK

Competitor dynamics

Allianz is involved in GAP insurance for new and used cars in the highest number of countries...

... with eight other underwriting groups active in this sphere in at least three

3.0 AUSTRIA

Introduction

Passenger vehicle data

New car sales in 2012 were nearly 15% higher than in 2008 although they peaked in 2010

For new cars, Hyundai is now the second-best selling manufacturer group in Austria

Survey of automotive dealers and manufacturer brands

Dealer survey results

The few dealers active in this field only intermediate tied propositions...

Manufacturer brand survey results

...and two underwriters shared these initiatives between them

Market value

4.0 BELGIUM

Introduction

Passenger vehicle data

New car sales fell between 2008 and 2012, but this decline was outweighed by a rise in sales of used cars

VW, PSA and Renault Nissan share more than 50% of the new car market between them

Survey of automotive dealers and manufacturer brands

Dealer survey results

Dealers only offer the GAP insurance provided by their manufacturer brands...

Manufacturer brand survey results

...which is actually limited to just two manufacturer groups

Market value

5.0 CZECH REPUBLIC

Introduction

Passenger vehicle data

Sales of new cars have remained quite steady in comparison with some other European markets...

... and used car sales have recovered from the slump of 2009

VW group's market share of new car sales rises as do those of the Hyundai and Renault Nissan groups

Survey of automotive dealers and manufacturer brands

Dealer survey results

Dealers are as likely to work with QBE in this area as the other four non-tied providers combined...

Manufacturer brand survey results

... with its presence further strengthened through links via UniCredit to eight manufacturer brands

Market value

6.0 DENMARK

Introduction

Passenger vehicle data

Both new and used car sales rose in each year from 2009 to 2012

VW has accelerated past PSA to become the market leading group for new car registrations

Survey of automotive dealers and manufacturer brands

Dealer survey results

Stand-alone GAP insurance is yet to make significant progress in the Danish market...

Manufacturer brand survey results

... as evidenced by the fact that very few dealers or manufacturer brands offer it in this format

Market value

7.0 FRANCE

Introduction

Passenger vehicle data

New and used car sales have stagnated with a sluggish economy

While French manufacturers remain dominant, VW group has consolidated its position in third place

Survey of automotive dealers and manufacturer brands

Dealer survey results

The key non-tied distributors of GAP insurance through dealers are finance companies...

Manufacturer brand survey results

... though Covéa Fleet is by far the leading non-captive insurer working with manufacturer brands

Market value

8.0 GERMANY

Introduction

Passenger vehicle data

The market for new car sales in Germany remains stagnant...

... although that for used car sales has delivered moderate growth in recent years

Three indigenous manufacturers accounted for almost 60% of new cars registered in 2012

Survey of automotive dealers and manufacturer brands

Dealer survey results

Non-tied GAP insurance products usually come via non-tied finance and leasing providers

Manufacturer brand survey results

The vast majority of significant brands have an official program in place for GAP insurance

... with at least nine providers competing for manufacturer relationships in this sphere

Market value

9.0 GREECE

Introduction

Passenger vehicle data

New car sales in 2012 were less than a quarter of the level recorded for 2008

GM group has moved from third to second place by share of new registrations

Survey of automotive dealers and manufacturer brands

Dealer survey results

The vast majority of Greek dealers do not intermediate GAP insurance...

Manufacturer brand survey results

... as a result of the fact that there are hardly any manufacturer-branded schemes

Market value

10.0 HUNGARY

Introduction

Passenger vehicle data

New car sales have collapsed with the greatest decline visible among individual buyers...

... although the volume of sales of used cars remained above the 400,000 threshold in 2012

Suzuki has experienced a precipitous decline in its market share in recent years

Survey of automotive dealers and manufacturer brands

Dealer survey results

Following its acquisition of Carlife in 2009, QBE remains the leading non-tied provider...

Manufacturer brand survey results

... and is also prominent as an external underwriter used by manufacturer brands

Market value

11.0 IRELAND

Introduction

Passenger vehicle data

New car sales in 2012 were over 40% lower than their high point of five years previously

The VW and Hyundai groups have gained market share while Ford has fallen

Survey of automotive dealers and manufacturer brands

Dealer survey results

More dealers collaborate with non-tied providers than with tied ones for GAP insurance...

Manufacturer brand survey results

... and only four manufacturer brands have a formal arrangement for this type of cover

Market value

12.0 ITALY

Introduction

Passenger vehicle data

New car sales in 2012 were over 40% lower than their high point of five years previously

Fiat group remains dominant in terms of new car sales although its share has fallen slightly in recent years

Survey of automotive dealers and manufacturer brands

Dealer survey results

In this field, the vast majority of active dealers only intermediate tied propositions...

Manufacturer brand survey results

... with close to two thirds of manufacturer brands researched having a formal arrangement

Market value

13.0 LUXEMBOURG

Introduction

Passenger vehicle data

There was a fall in the volume of sales of both new and used cars between 2008 and 2012

German and French manufacturer groups share over 70% of new car registrations between them

Survey of automotive dealers and manufacturer brands

Dealer survey results

A small proportion of dealers offer finance GAP policies...

Manufacturer brand survey results

... with penetration also limited among manufacturer brands

Market value

14.0 NETHERLANDS

Introduction

Passenger vehicle data

New and used car sales in 2012 were at virtually the same level as in 2008

Hyundai and Kia combined have made substantial gains in the Dutch new car market

Survey of automotive dealers and manufacturer brands

Dealer survey results

Manufacturer brand survey results

One manufacturer brand offers GAP cover on an indirect basis via finance contracts

Market value

15.0 POLAND

Introduction

Passenger vehicle data

Sales of both new and used cars slipped back slightly between 2008 and 2012

VW group leads the market for new car sales thanks to the on-going strength of the Škoda brand

Survey of automotive dealers and manufacturer brands

Dealer survey results

Dealers specialising in used car sales are especially likely to use non-tied providers

Manufacturer brand survey results

The vast majority of manufacturer brands have an arrangement for selling GAP insurance...

... with Cardif, Genworth Financial and WAGAS most prominent by weighted share of partnerships...

... albeit with several other providers also visible in this sphere

Market value

16.0 PORTUGAL

Introduction

Passenger vehicle data

New car sales have nosedived although sales of used cars remain steadier

Three manufacturer groups account for over a half of new car sales

Survey of automotive dealers and manufacturer brands

Dealer survey results

Manufacturer brand survey results

Two manufacturer brands have launched schemes but the product remains seemingly unknown to dealers

Market value

17.0 RUSSIA

Introduction

Passenger vehicle data

Sales of new cars in 2012 recovered to the level previously seen in 2008...

... while sales of used cars have increased in spite of the decline in imports

The market share of new car sales of AvtoVAZ dipped below 20% for the first time in 2012

Survey of automotive dealers and manufacturer brands

Dealer survey results

Over a third of Russian dealers now sell GAP insurance in a stand-alone format...

... sometimes sourcing cover from finance providers and sometimes directly from insurers

Manufacturer brand survey results

Just one manufacturer brand has launched its own GAP insurance program

Market value

18.0 SLOVAKIA

Introduction

Passenger vehicle data

Sales of new cars advanced at a compound annual rate of 5.3% between 2008 and 2012...

... with used car sales having begun to recover from the trough reached in 2010

VW group's market share of new car sales has slipped back somewhat in recent years

Survey of automotive dealers and manufacturer brands

Dealer survey results

Dealers' use of non-tied providers embraces both specialised and generalist underwriters

Manufacturer brand survey results

BNP Paribas Cardif is likely to secure the most business as a partner of manufacturer brands

Market value

19.0 SPAIN

Introduction

Passenger vehicle data

Sales of used cars remain relatively steady although new car sales have collapsed

VW group leads the market for new car sales thanks to the strength of the SEAT and Volkswagen brands

Survey of automotive dealers and manufacturer brands

Dealer survey results

In this field, the vast majority of active dealers only intermediate tied propositions...

Manufacturer brand survey results

... with only a small number of underwriters likely to be competing for these mandates

Market value

20.0 TURKEY

Introduction

Passenger vehicle data

Sales of both new and used cars have grown rapidly in recent years...

... albeit both peaked in 2011 before falling back slightly the following year

Three manufacturer groups account for over a half of new car sales

Survey of automotive dealers and manufacturer brands

Dealer survey results

While previously absent from the market, a minority of dealers have now introduced GAP insurance...

Manufacturer brand survey results

... as a consequence of a branded product launched by one major automotive group

Market value

21.0 UK

Introduction

Passenger vehicle data

New car sales in 2012 were 5% higher than in 2011

VW has taken top place from Ford as the leading manufacturer group in the UK

Survey of automotive dealers and manufacturer brands

Dealer survey results

At least 15 non-tied competitors work with dealers to sell GAP insurance...

...led by MAPFRE ABRAXAS and The Warranty Group...

Manufacturer brand survey results

...with MAPFRE ABRAXAS also holding the largest weighted share of manufacturer partnerships

Market value

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

The UK is Europe's largest market for GAP insurance, followed by France, Germany, Italy and Poland

Provision rates for GAP insurance among both dealers and manufacturer brands in 2013 were double those recorded in 2007

Nine underwriting groups are active in the GAP insurance markets of three or more countries in Europe

1.0 INTRODUCTION

2.0 REGIONAL OVERVIEW

Passenger car parc by country, 2012

New passenger car sales to individual customers in Europe, 2008 to 2012

New passenger car sales to individual customers by country, 2012

New passenger car sales to individual customers by country, 2008 to 2012

Used passenger car sales in Europe, 2008 to 2012

Used passenger car sales by country, 2012

Used passenger car sales by country, 2008 to 2012

New passenger car registrations in Europe, segmented by manufacturer group, 2012

New passenger car registrations in Europe, segmented by manufacturer group, 2012 (data)

New passenger car sales for the top 11 manufacturing groups in Europe, by country, 2012

New passenger car sales for the top 11 manufacturing groups in Europe, by country, 2012 (continued)

Percentage of dealers offering GAP insurance at the point of sale by country, 2013

Average number of providers used by dealers offering GAP insurance at the point of sale, by country, 2013

Product sources used by dealers offering GAP insurance at the point of sale, by country, 2013

Product sources used by dealers offering GAP insurance at the point of sale, by country, 2013 (table)

Average % of new car purchasers acquiring GAP insurance at the point of sale where offered, by country, 2013

Overall % of new car purchasers acquiring GAP insurance at the point of sale, by country, 2013

Average % of used car purchasers acquiring GAP insurance at the point of sale where offered, by country, 2013

Overall % of used car purchasers acquiring GAP insurance at the point of sale, by country, 2013

Percentage of manufacturer brands with arrangements for branded GAP insurance by country, 2013

Operating models used by manufacturer brands with arrangements for branded GAP insurance, by country, 2013

Operating models used by manufacturer brands with arrangements for branded GAP insurance, by country, 2013 (table)

Approximate value of GAP insurance gross written premiums in Europe, split by country, 2012

Approximate value and segmentation of GAP insurance gross written premiums in Europe, split by country, 2012 (table)

Insurance groups active in GAP insurance in three or more countries in Europe, 2013

3.0 AUSTRIA

Passenger car parc and new / used passenger car sales in Austria, 2008 to 2012

Passenger car parc and new / used passenger car sales in Austria, 2008 to 2012 (data)

New car registrations in Austria, segmented by manufacturer group, 2012

Provision of GAP insurance by dealers in Austria, 2013: provision rate and product sources

Provision of GAP insurance by manufacturer brands in Austria, 2013: provision rate, operating models and weighted provider share of partnerships

Approximate value and segmentation of GAP insurance gross written premiums in Austria, 2012

4.0 BELGIUM

Passenger car parc and new / used passenger car sales in Belgium, 2008 to 2012

Passenger car parc and new / used passenger car sales in Belgium, 2008 to 2012 (data)

New car registrations in Belgium, segmented by manufacturer group, 2012

Provision of GAP insurance by dealers in Belgium, 2013: provision rate and operating models

Provision of GAP insurance by manufacturer brands in Belgium, 2013: provision rate and operating models

Approximate value and segmentation of GAP insurance gross written premiums in Belgium, 2012

5.0 CZECH REPUBLIC

Passenger car parc and new / used passenger car sales in the Czech Republic, 2008 to 2012

Passenger car parc and new / used passenger car sales in the Czech Republic, 2008 to 2012 (data)

New car registrations in the Czech Republic, segmented by manufacturer group, 2012

Provision of GAP insurance by dealers in the Czech Republic, 2013: provision rate, product sources and provider share of non-tied partnerships

Provision of GAP insurance by manufacturer brands in the Czech Republic, 2013: provision rate, operating models and weighted provider share of partnerships

Approximate value and segmentation of GAP insurance gross written premiums in the Czech Republic, 2012

6.0 DENMARK

Passenger car parc and new / used passenger car sales in Denmark, 2008 to 2012

Passenger car parc and new / used passenger car sales in Denmark, 2008 to 2012 (data)

New car registrations in Denmark, segmented by manufacturer group, 2012

Provision of GAP insurance by dealers in Denmark, 2013: provision rate and product sources

Provision of GAP insurance by manufacturer brands in Denmark, 2013: provision rate and operating models

7.0 FRANCE

Passenger car parc and new / used passenger car sales in France, 2008 to 2012

Passenger car parc and new / used passenger car sales in France, 2008 to 2012 (data)

New car registrations in France, segmented by manufacturer group, 2012

Provision of GAP insurance by dealers in France, 2013: provision rate, product sources and provider share of non-tied partnerships

Provision of GAP insurance by manufacturer brands in France, 2013: provision rate, operating models and weighted provider share of partnerships

Approximate value and segmentation of GAP insurance gross written premiums in France, 2012

8.0 GERMANY

Passenger car parc and new / used passenger car sales in Germany, 2008 to 2012

Passenger car parc and new / used passenger car sales in Germany, 2008 to 2012 (data)

New car registrations in Germany, segmented by manufacturer group, 2012

Provision of GAP insurance by dealers in Germany, 2013: provision rate, product sources and provider share of non-tied partnerships

Provision of GAP insurance by manufacturer brands in Germany, 2013: provision rate, operating models and weighted provider share of partnerships

Approximate value and segmentation of GAP insurance gross written premiums in Germany, 2012

9.0 GREECE

Passenger car parc and new / used passenger car sales in Greece, 2008 to 2012

Passenger car parc and new / used passenger car sales in Greece, 2008 to 2012 (data)

New car registrations in Greece, segmented by manufacturer group, 2012

Provision of GAP insurance by dealers in Greece, 2013: provision rate and product sources

Provision of GAP insurance by manufacturer brands in Greece, 2013: provision rate and operating models

10.0 HUNGARY

Passenger car parc and new / used passenger car sales in Hungary, 2008 to 2012

Passenger car parc and new / used passenger car sales in Hungary, 2008 to 2012 (data)

New car registrations in Hungary, segmented by manufacturer group, 2012

Provision of GAP insurance by dealers in Hungary, 2013: provision rate, product sources and provider share of non-tied partnerships

Provision of GAP insurance by manufacturer brands in Hungary, 2013: provision rate, operating models and weighted provider share of partnerships

Approximate value and segmentation of GAP insurance gross written premiums in Hungary, 2012

11.0 IRELAND

Passenger car parc and new / used passenger car sales in Ireland, 2008 to 2012

Passenger car parc and new / used passenger car sales in Ireland, 2008 to 2012 (data)

New car registrations in Ireland, segmented by manufacturer group, 2012

Provision of GAP insurance by dealers in Ireland, 2013: provision rate, product sources and provider share of non-tied partnerships

Provision of GAP insurance by manufacturer brands in Ireland, 2013: provision rate, operating models and weighted provider share of partnerships

Approximate value and segmentation of GAP insurance gross written premiums in Ireland, 2012

12.0 ITALY

Passenger car parc and new / used passenger car sales in Italy, 2008 to 2012

Passenger car parc and new / used passenger car sales in Italy, 2008 to 2012 (data)

New car registrations in Italy, segmented by manufacturer group, 2012

Provision of GAP insurance by dealers in Italy, 2013: provision rate, product sources and provider share of non-tied partnerships

Provision of GAP insurance by manufacturer brands in Italy, 2013: provision rate, operating models and weighted provider share of partnerships

Approximate value and segmentation of GAP insurance gross written premiums in Italy, 2012

13.0 LUXEMBOURG

Passenger car parc and new / used passenger car sales in Luxembourg, 2008 to 2012

Passenger car parc and new / used passenger car sales in Luxembourg, 2008 to 2012 (data)

New car registrations in Luxembourg, segmented by manufacturer group, 2012

Provision of GAP insurance by dealers in Luxembourg, 2013: provision rate and operating models

Provision of GAP insurance by manufacturer brands in Luxembourg, 2013: provision rate and operating models

14.0 NETHERLANDS

Passenger car parc and new / used passenger car sales in the Netherlands, 2008 to 2012

Passenger car parc and new / used passenger car sales in the Netherlands, 2008 to 2012 (data)

New car registrations in the Netherlands, segmented by manufacturer group, 2012

Provision of GAP insurance by manufacturer brands in the Netherlands, 2013: provision rate and operating models

15.0 POLAND

Passenger car parc and new / used passenger car sales in Poland, 2008 to 2012

Passenger car parc and new / used passenger car sales in Poland, 2008 to 2012 (data)

New car registrations in Poland, segmented by manufacturer group, 2012

Provision of GAP insurance by dealers in Poland, 2013: provision rate, product sources and provider share of non-tied partnerships

Provision of GAP insurance by manufacturer brands in Poland, 2013: provision rate, operating models and weighted provider share of partnerships

Approximate value and segmentation of GAP insurance gross written premiums in Poland, 2012

16.0 PORTUGAL

Passenger car parc and new / used passenger car sales in Portugal, 2008 to 2012

Passenger car parc and new / used passenger car sales in Portugal, 2008 to 2012 (data)

New car registrations in Portugal, segmented by manufacturer group, 2012

Provision of GAP insurance by manufacturer brands in Portugal, 2013: provision rate and operating models

17.0 RUSSIA

Passenger car parc and new / used passenger car sales in Russia, 2008 to 2012

Passenger car parc and new / used passenger car sales in Russia, 2008 to 2012 (data)

New car registrations in Russia, segmented by manufacturer group, 2012

Provision of GAP insurance by dealers in Russia, 2013: provision rate, product sources and provider share of non-tied partnerships

Provision of GAP insurance by manufacturer brands in Russia, 2013: provision rate and operating models

Approximate value and segmentation of GAP insurance gross written premiums in Russia, 2012

18.0 SLOVAKIA

Passenger car parc and new / used passenger car sales in Slovakia, 2008 to 2012

Passenger car parc and new / used passenger car sales in Slovakia, 2008 to 2012 (data)

New car registrations in Slovakia, segmented by manufacturer group, 2012

Provision of GAP insurance by dealers in Slovakia, 2013: provision rate, product sources and provider share of non-tied partnerships

Provision of GAP insurance by manufacturer brands in Slovakia, 2013: provision rate, operating models and weighted provider share of partnerships

Approximate value and segmentation of GAP insurance gross written premiums in Slovakia, 2012

19.0 SPAIN

Passenger car parc and new / used passenger car sales in Spain, 2008 to 2012

Passenger car parc and new / used passenger car sales in Spain, 2008 to 2012 (data)

New car registrations in Spain, segmented by manufacturer group, 2012

Provision of GAP insurance by dealers in Spain, 2013: provision rate and product sources

Provision of GAP insurance by manufacturer brands in Spain, 2013: provision rate, operating models and weighted provider share of partnerships

Approximate value and segmentation of GAP insurance gross written premiums in Spain, 2012

20.0 TURKEY

Passenger car parc and new / used passenger car sales in Turkey, 2008 to 2012

Passenger car parc and new / used passenger car sales in Turkey, 2008 to 2012 (data)

New car registrations in Turkey, segmented by manufacturer group, 2012

Provision of GAP insurance by dealers in Turkey, 2013: provision rate and product sources

Provision of GAP insurance by manufacturer brands in Turkey, 2013: provision rate and operating models

21.0 UK

Passenger car parc and new / used passenger car sales in the UK, 2008 to 2012

Passenger car parc and new / used passenger car sales in the UK, 2008 to 2012 (data)

New car registrations in the UK, segmented by manufacturer group, 2012

Provision of GAP insurance by dealers in the UK, 2013: provision rate, product sources and provider share of non-tied partnerships

Provision of GAP insurance by manufacturer brands in the UK, 2013: provision rate, operating models and weighted provider share of partnerships

Approximate value and segmentation of GAP insurance gross written premiums in the UK, 2012

- Austria
- Belgium
- Czech Republic
- Denmark
- France
- Germany
- Greece
- Hungary
- Ireland
- Italy
- Luxembourg
- Poland
- Portugal
- Russia
- Slovakia
- Spain
- Turkey
- UK

Note: Product cover images may vary from those shown

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