市場調査レポート

世界の小売業者向け保険:スーパーマーケットおよびその他の店舗におけるアフィニティスキーム

Global Retailer Insurance: Affinity Schemes in Supermarkets and Other Stores

発行 Finaccord Ltd. 商品コード 124580
出版日 ページ情報 英文 210 Pages
納期: 即日から翌営業日
価格
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世界の小売業者向け保険:スーパーマーケットおよびその他の店舗におけるアフィニティスキーム Global Retailer Insurance: Affinity Schemes in Supermarkets and Other Stores
出版日: 2010年05月01日 ページ情報: 英文 210 Pages

当商品の販売は、2016年07月01日を持ちまして終了しました。

概要

当レポートでは、世界の小売業者向け保険市場について分析し、市場の動向、世界各国の動向をまとめ、概略下記の構成でお届けいたします。

エグゼクティブサマリー

第1章 イントロダクション

第2章 世界市場レビュー

  • イントロダクション
  • 小売業者向け保険
    • 16のリテーラーグループによる232のブランドが顧客向け保険を販売
    • Walmart、Carrefour、Falabellaが保険スキームにおいて最大規模の地域を対象としている
    • 自動車保険および家計保険が全プログラムの4割近くを占める
    • 多くの活動がデパートや現金キャリーチェーン、スーパーに集中している
    • 世界中で小売業者は多様な保険販売モデルを活用している
    • 2010年末までに合弁引受業者がフランス、インド、英国に設立される
  • 英国の消費者調査結果
    • スーパーマーケットおよびその他の小売業者がペット保険に最も影響を及ぼしている

第3章 アルゼンチン

  • イントロダクション
  • 保険

第4章 オーストラリア

第5章 ベルギー

第6章 ブラジル

第7章 カナダ

第8章 チリ

第9章 コロンビア

第10章 チェコ

第11章 エクアドル

第12章 エストニア

第13章 フィンランド

第14章 フランス

第15章 ドイツ

第16章 ハンガリー

第17章 インド

第18章 インドネシア

第19章 アイルランド

第20章 イタリア

第21章 日本

第22章 マレーシア

第23章 メキシコ

第24章 オランダ

第25章 ニュージーランド

第26章 ペルー

第27章 ポルトガル

第28章 ルーマニア

第29章 ロシア

第30章 シンガポール

第31章 南アフリカ

第32章 韓国

第33章 スペイン

第34章 スイス

第35章 タイ

第36章 英国

第37章 米国

図表

目次

Abstract

Prospectus contents

  • What is the research?
  • What is the rationale?
  • What is the What methodology has been used?
  • How do organisations surveyed break down?
  • Which specific retailing groups have been researched
  • What is the report structure?
  • What are the key features of the research?
  • How can the research be used?
  • How can the PartnerBASE be used?
  • Who can use the research?
  • What are some of the key findings?
  • What is the cost and format?
  • How can the research be purchased?

What is the research?

Global Retailer Insurance: Affinity Schemes in Supermarkets and Other Stores, published in April 2010, is a report about the involvement of retailers around the world in the distribution of standalone motor insurance, household insurance, accident insurance, dental insurance, other health insurance, travel insurance, pet insurance and life insurance, as part of a growing trend in financial services sometimes referred to as ' brandassurance' .

Major retail brands were found to be active in this arena in 35 of the 65 countries researched. Namely, these are Argentina, Australia, Belgium, Brazil, Canada, Chile, Colombia, Czech Republic, Ecuador, Estonia, Finland, France, Germany, Hungary, India, Indonesia, Ireland, Italy, Japan, Malaysia, Mexico, Netherlands, New Zealand, Peru, Portugal, Romania, Russia, Singapore, South Africa, South Korea, Spain, Switzerland, Thailand, the UK and the USA, hence chapters for each of these are included in the publication.

In fact, the study provides a comprehensive and detailed overview of the worldwide market for insurance sold to consumers by supermarkets, department stores and other types of retail chain. Moreover, the PartnerBASE™ database that accompanies the report details each of the 847 marketing initiatives traced by Finaccord for the lines of consumer insurance investigated, including the operating models and insurance providers used.

What is the rationale?

A number of factors, some of which are specific to financial services and some to retailing, provide ample justification for the development of this report and the sister reports covering other topics in retailer banking and insurance worldwide. With regards to financial services, this rationale can be broken down between what might be characterized as ' traditional' retailer financial services (i.e. cob d d/ branded / store cards and consumer finance / personal loans) and ' non-traditional' retailer financial services (i.e. insurance, mortgages and savings accounts).

Concerning ' non-traditional' retailer financial services, it can be asserted that in much of the world, consumers are changing the way in which they acquire financial services and demonstrating an increasing willingness to use alternative distribution systems, including major non-financial brands such as large retailers. Moreover, the successful precedent of retailer insurance in markets such as Chile and the UK is encouraging major retail brands in other countries to challenge the traditional distribution systems with their own ' brandassurance' propositions

Furthermore, it should be acknowledged that successful retailers in less developed markets are growing rapidly as an increasing proportion of consumers allocate their expenditure to formal retailing concepts. In addition, a mature environment for retailing in the more developed markets signifies that retailers need to investigate new means of achieving revenue growth which can include insurance products, in particular.

What methodology has been used?

The main research input into this study is a survey, carried out between October 2009 and March 2010, of 6,280 major retail brands across 65 countries than can be condensed down to nine global regions, namely: Asia, Australasia, Eastern and South-Eastern Europe, Latin America, Middle East, North America, Northern and Central Europe, South Africa, and Southern and Western Europe. The aim of this investigation has been to gather top level data concerning the provision of insurance products by the organisations in question, the operating models that they use and the insurance providers with which they work in this context. Naturally, given that there are literally millions of smaller retailers in total in the territories reviewed, the majority with just a single outlet, Finaccord has sought to focus on the largest entities that are likely to be of most strategic interest to providers of insurance. Indeed, the 6,280 major retailers break down by country and by category as illustrated in the graphic overleaf.

What is the report structure

  • 0. Executive Summary: providing a concise evaluation of the principal findings of the report.
  • 1. Introduction: offering rationale, description of methodology and other related notes.
  • 2 2. Global Overview: comprising a global overview of the intermediation by major retail brands of stand-alone motor insurance, household insurance, accident insurance, dental insurance, other health insurance, travel insurance, pet insurance and life insurance. This includes analyses of retailer involvement by region, country and type, the operating models used by retailers that have established insurance distribution schemes, a comprehensive listing of every retailer insurance program identified, and consumer research data showing in detail the influence of retailers in the UK on the country' s insurance market.
  • 3. Argentina: an overview of the involvement as distributors of insurance of major retail chains in Argentina including identification of operating models and insurance providers used, and facts and figures about the wider financial services activities of retailers that have developed insurance propositions

What are the key features of the research?

Key features of this report include:

  • in-depth consideration of retailer provision of mainstream insurance: 232 major retail brands drawn from 106 retailing groups in 35 countries out of the 65 researched were active in ' brandassurance' by the first quarter of 2010;
  • identification of the operating models and brokers or underwriters used for 847 individual insurance product marketing initiatives instigated by major retailers;
  • consideration of the involvement as insurance intermediaries of major retail brands from retailing categories including department stores, DIY chains, health and beauty outlets, online or home shopping specialists, and supermarkets;
  • disclosure of number of policies sold for leading protagonists in retailer insurance including El Corte Ingles, Falabella, Loblaw Companies and Tesco;
  • background commentary and data concerning the broader banking and payment card operations of major retail chains that have developed insurance propositions.

How can the research be used?

You may be able to use this report and the PartnerBASE™ that accompanies it in one or more of the following ways:

  • gain rapid access to a unique and comprehensive source of intelligence that provides a worldwide perspective on the involvement of major retailers in the insurance sector;
  • understand which of your global or regional competitors have been successful in establishing insurance distribution partnerships with significant retail brands;
  • evaluate the opportunities for creating marketing relationships with different types of retail chain for eight distinct lines of consumer insurance;
  • appreciate the extent to which the retailers that have entered the insurance sector with most success have built up a substantial portfolio of policies;
  • learn about the wider context behind the diversification into insurance of major retail brands and identify retailers already active in financial services that are likely to develop insurance propositions in future.

Who can use the research?

  • 1. Insurance underwriters: the policies sold through most retailer insurance schemes are underwritten by a single, external insurance company hence successful relationships with major retail brands can yield significant volumes of new business;
  • 2. Insurance brokers: some retailers that have diversified into selling insurance have chosen to do so by collaborating with a broker rather than directly with an underwriter hence partnerships can also be of interest to brokers of consumer insurance products;
  • 3. Retailers: in the UK, Tesco is seeking to double the number of its customers with Tescobranded motor or household policies from around 1.5 million to 3.0 million - hence, it is apt to ask to what extent major retail brands in other countries can hope to replicate this success?
  • 4. Banks and lending institutions: retail chains that promote insurance products have invariably built this activity on top of pre-existing payment card and / or banking operations which means that this subject could also be of relevance to banks and lending institutions;
  • 5. Management consultancies: are you helping an organisation in any of the preceding categories with its approach to retailer insurance? This research will provide you with a global overview of current initiatives in this field, saving time and effort on researching the subject yourself.

Table of Contents

0.0 EXECUTIVE SUMMARY

  • Insurance is being sold to customers by well over 200 major retail brands worldwide drawn from over 100 retailing groups, some of which operate through multiple brands
  • Chile is the country in which major retailers have the greatest involvement in this sphere
  • Motor and household insurance account for almost 40% of the 847 product initiatives identified
  • Department stores, cash and carry outlets and supermarkets have the highest rates of involvement
  • Around the world, retailers utilize a diverse range of operating models for selling insurance
  • Underwriting joint ventures are visible only in France, India and, from later in 2010, in the UK and Finaccord identified only a handful of insurers classifiable as captive underwriters
  • The influence of retail brands as distributors of insurance and other financial services is likely to increase driven in part by dynamics in the underlying retail markets in part by the interest of insurance providers in developing new distribution channels and in part by the increasing willingness of consumers to purchase insurance from retailers

1.0 INTRODUCTION

  • Rationale
    • Retailer financial services can be broken down between ' traditional' and ' non-traditional' services
    • Retailers can take advantage of changes in consumer finance and payment card markets
    • Chile and the UK provide successful precedents for retailers interested in selling insurance
    • The evolution of the retailing market itself is also favourable to the integration of financial services
  • Product definitions
    • The focus of the research lies on stand-alone insurance policies rather than packaged cover
  • Methodology
    • Finaccord' s research covers 6,280 major retail brands worldwide
  • Finaccord

2.0 GLOBAL OVERVIEW

  • Introduction
  • Retailer insurance
    • 232 retail brands drawn from 106 retailer groups distribute insurance to their customers
    • Walmart, Carrefour and Falabella have the broadest geographical spread of insurance schemes
    • Chile can justifiably claim to be the world' s foremost market for retailer insurance
    • Initiatives in motor and household insurance make up almost 40% of all retailer programs
    • Much activity is concentrated among department stores, cash and carry chains and supermarkets
    • Around the world, retailers utilize a diverse range of operating models for selling insurance
    • By the end of 2010, underwriting joint ventures will be present in France, India and the UK with insurers classifiable as captive underwriters visible in a broader range of countries
  • The evidence of consumer research in the UK
    • Supermarkets and other retailers in the UK wield most influence in pet insurance and they are also active as distributors for many other types of policy although their future prospects appear to vary from one type of insurance to another and the influence of online aggregators has altered the dynamics for selling motor insurance

3.0 ARGENTINA

  • Introduction
  • Insurance
    • Falabella is seeking to grow its book of insurance policyholders in Argentina both for mainstream insurance policies and for niche forms of insurance and assistance

4.0 AUSTRALIA

  • Introduction
  • Insurance
    • Thus far, mainstream retail brands in Australia have chosen not to enter the insurance market although two specialist distributors to rural clients are active in both insurance and banking

5.0 BELGIUM

  • Introduction
  • Insurance
    • Carrefour and Inter Partner Assistance collaborate for the sale of travel assistance policies

6.0 BRAZIL

  • Introduction
  • Insurance
    • Seven major retail chains in Brazil promote mainstream forms of insurance of the types researched
    • The activity of Lojas Riachuelo is assisted by a cardholder base numbering in excess of 15 million
    • The vast majority of other major retail brands in Brazil also possess their own payment cards

7.0 CANADA

  • Introduction
  • Insurance
    • Five retailing groups in Canada had developed insurance propositions by the first half of 2010
    • For regulatory reasons, the activities of the HBC Insurance Agency vary by region across Canada
    • Through PC Financial, the Loblaw Companies grouping is active in both insurance and banking
    • The insurance proposition of London Drug is limited to the states of Alberta and British Columbia
    • Retailer schemes are spread across a number of providers, including several specialist firms

8.0 CHILE

  • Introduction
  • Insurance
    • Many of Chile' s major retail groups have established captive insurance brokerages with those of Cencosud and Falabella known to intermediate a substantial volume of policies
    • Several retailers have also introduced innovative niche insurance and assistance formulae
    • The insurance operations of major retail brands in Chile are supported by sister banking arms
    • The origins of Falabella' s involvement in Chile' s financial services arena date back to 1980
    • Cencosud' s Banco Paris saw its asset base shrink by over 15% during 2009
    • Over a half of transactions generated by Ripley' s payment card are due to Ripley' s own stores

9.0 COLOMBIA

  • Introduction
  • Insurance
    • Carrefour, Droguerias Cafam and Falabella are all active as distributors of insurance

10.0 CZECH REPUBLIC

  • Introduction
  • Insurance
    • A handful of Czech retailers have started offering mainstream insurance products

11.0 ECUADOR

  • Introduction
  • Insurance
    • Like comparable retail formats in Chile and Peru, Casa Tosi has begun selling insurance

12.0 ESTONIA

  • Introduction
  • Insurance
    • Stockmann has introduced accident and travel insurance in association with If P&C Insurance

13.0 FINLAND

  • Introduction
  • Insurance
    • Stockmann is also a pioneering protagonist in retailer insurance in Finland having built a base of around 1.5 million customers carrying its loyalty card

14.0 FRANCE

  • Introduction
  • Insurance
    • Several major retail chains in France offer mainstream lines of insurance to their customers with Carrefour likely to have established the largest portfolio of policyholders
    • Banque Casino has selected Groupama as its partner for non-life insurance policies
    • Banque Accord claimed in excess of six million customers worldwide by the middle of 2009
    • Over 80% of the staff of the S2P joint venture are deployed in Carrefour' s hypermarkets

15.0 GERMANY

  • Introduction
  • Insurance
    • Insurance sales through retailers take place in a climate of legal uncertainty
    • Retailers offer motor insurance more frequently than any other insurance product
    • Most retailers offering household insurance opt for single partnerships
    • hagebaumarkt co-operates with Victoria in the area of accident insurance
    • Travel insurance is offered less frequently by retailers than other insurance products
    • Ratio sells life insurance in collaboration with two major underwriters

16.0 HUNGARY

  • Introduction
  • Insurance
    • Four Hungarian retail chains are active in the distribution of mainstream insurance products
    • Providers include brokers such as April CEE Development and MAI Insurance Brokers

17.0 INDIA

  • Introduction
    • The Indian retail sector continues to growth at an extraordinary pace although for foreign retail companies, India remains a difficult country to enter and traditional local vendors still account for the vast majority of total sales
  • Insurance
    • Several Indian retailers are involved in the marketing of mainstream insurance products
    • Apollo Munich Health is aiming for a market share of health insurance premiums of 5% by 2014
    • The Future Generali joint venture plans to expand distribution through retail brands during 2010
    • Religare Insurance Broking is one of India' s largest insurance brokers
    • Several other insurance firms working with retailers are themselves joint ventures

18.0 INDONESIA

  • Introduction
    • Since the opening of the retail sector in 1998 the market has seen intense competition
    • After having escaped the effects of the global recession, retailers look set for further growth
  • Insurance
    • Two major Indonesian retail brands have entered the mainstream insurance arena

19.0 IRELAND

  • Introduction
  • Insurance
    • Tesco collaborates with subsidiaries of Aviva for both motor insurance and life insurance

20.0 ITALY

  • Introduction
  • Insurance
    • Retailer provision of insurance in Italy is limited to special offers for loyalty card customer although there are grounds for believing that it will develop beyond this in future

21.0 JAPAN

  • Introduction
  • Insurance
    • Insurance distribution schemes are in evidence among several major retailer brands in Japan with activities in this arena usually co-ordinated through a captive broker or agency
    • AEON Insurance Service was created as a single insurance brokerage in February 2008
    • AEON, Rakuten and Seven & I Holdings have all developed mainstream banking entities
    • AEON Credit Service was originally founded in June 1981 and had amassed total assets of ¥854.2 billion by the time of its most recent financial report
    • The company possesses over 20 million cardholders in total and launched WAON, its own e-money currency, in April 2007
    • AEON Credit Service is active in eight other countries in the Asia Pacific region
    • Rakuten Bank is one of several fast-growing financial entities belonging to Rakuten
    • IY Card Service is the principal card issuing entity within Seven & I Holdings and is responsible for managing the group' s nanaco e-money initiative
    • Seven Bank manages an extensive network of around 14,000 ATMs

22.0 MALAYSIA

  • Introduction
  • Insurance
    • Jusco is active in the promotion of both motor insurance and travel insurance

23.0 MEXICO

  • Introduction
  • Insurance
    • Whether measured by brands or groups, retailer insurance is an influential concept in Mexico
    • Banco Azteca has built up a network of more than 1,500 branches in under ten years
    • Seguros Azteca Danos, the non-life underwriter, experienced rapid growth in 2009
    • Banco Walmart is an even more recent venture than Banco Azteca

24.0 NETHERLANDS

  • Introduction
  • Insurance
    • Three Dutch retailers are using their brands to promote insurance products

25.0 NEW ZEALAND

  • Introduction
  • Insurance
    • One major retailer is active in the distribution of a number of mainstream insurance products
    • Sovereign and IAG New Zealand are the respective market leaders in life and non-life insurance

26.0 PERU

  • Introduction
  • Insurance
    • Four retailing groups are active as distributors in the Peruvian insurance sector three of which benefit from the activities of captive banking operations
    • Selling through retail outlets adds up to an important marketing option for Interseguro

27.0 PORTUGAL

  • Introduction
  • Insurance
    • Four major retail brands in Portugal are being leveraged to promote insurance products

28.0 ROMANIA

  • Introduction
  • Insurance
    • Carrefour re-enters the insurance arena by means of a distribution tie with OttoBroker

29.0 RUSSIA

  • Introduction
  • Insurance
    • Several insurance marketing initiatives are visible among major Russian retail brands although Finservice Bank, part-owned by Sedmoi Continent, has not yet entered this market

30.0 SINGAPORE

  • Introduction
  • Insurance
    • One major supermarket in Singapore offers three mainstream insurance products

31.0 SOUTH AFRICA

  • Introduction
  • Insurance
    • Six retailer groups are involved in the distribution of insurance in South Africa
    • Clicks offers a health insurance policy specifically designed for people who suffer from HIV
    • Life insurance products sold by South African retail brands are typically low value policies
    • Edgar Financial Services offers a range of insurance policies suited to the local market with this activity managed by FG Financial Services in the case of the Foschini Group
    • Woolworths sold a controlling stake in its financial services entity to Absa Bank in 2008 helping the Barclays subsidiary to become the country' s second largest credit card issuer
    • Auto & General acts as both an underwriter and a broker
    • Hollard has identified retailers as a key driver for sales growth in South Africa
    • Guardrisk Insurance presents itself as the world' s leading ' cell captive' insurance group

32.0 SOUTH KOREA

  • Introduction
  • Insurance
    • Several major retail brands are involved in the distribution of insurance in South Korea
    • Dongbu has signed up two retail partners for the promotion of motor insurance
    • Homeplus has established relationships with two underwriters of health insurance
    • For life insurance, Lotte Mart collaborates with two external providers

33.0 SPAIN

  • Introduction
  • Insurance
    • Four major retailing groups are active in the distribution of insurance products
    • Seguros El Corte Ingles has built up a portfolio of more than 1.5 million policies

34.0 SWITZERLAND

  • Introduction
  • Insurance
    • Four significant retail chains in Switzerland are active in the distribution of insurance including Fressnapf, which through epona is the only one to offer pet insurance

35.0 THAILAND

  • Introduction
    • The Thai retail sector is characterized by high degree of foreign penetration but the regulatory and political situation continues to create uncertainty
  • Insurance
    • Both Carrefour and Tesco have launched an extensive range of insurance policies in Thailand

36.0 UK

  • Introduction
  • Insurance
    • As many as 25 major retail brands are involved in the promotion of insurance policies with no clear consensus emerging with regards to the preferred operating model
    • Tesco is aiming to double its volume of customers with a motor or household policy
    • Tesco' s deal with Friends Provident is based on a simple, speedy application and quote process
    • As a result of its affinity broking activity, BDML Connect has become a significant competitor
    • Arguably, aggregators have made ' brandassurance' a less compelling concept than it once was

37.0 USA

  • Introduction
  • Insurance
    • A number of retail brands market motor, household, pet or life insurance to their customers
    • Kroger Personal Finance has been active in financial services, including insurance, since 2004
    • Retailers face the barrier of state-by-state regulation when it comes to selling insurance

GRAPHICS / TABLES

  • Major retailers covered by the research segmented by category and by region 9
  • % of major retailers worldwide offering any form of mainstream insurance split by region, 2009 / 2010 15
  • % of major retailers worldwide offering any form of mainstream insurance split by country, 2009 / 2010 17
  • Overview of retailer provision of mainstream insurance in worldwide by type of policy, 2009 / 2010 18
  • % of major retailers worldwide offering any form of mainstream insurance by category of retailer, 2009 / 2010 19
  • % split of schemes for mainstream insurance offered by major retailers worldwide by operating model and region, 2009 / 2010 21
  • % split of schemes for mainstream insurance offered by major retailers worldwide by operating model and region, 2009 / 2010 (data) 22
  • Major retailers worldwide distributing motor insurance: operating models and partners, 2009 / 2010 23
  • Major retailers worldwide distributing motor insurance: operating models and partners, 2009 / 2010 (continued) 24
  • Major retailers worldwide distributing motor insurance: operating models and partners, 2009 / 2010 (continued) 25
  • Major retailers worldwide distributing motor insurance: operating models and partners, 2009 / 2010 (continued) 26
  • Major retailers worldwide distributing household insurance: operating models and partners, 2009 / 2010 27
  • Major retailers worldwide distributing household insurance: operating models and partners, 2009 / 2010 (continued) 28
  • Major retailers worldwide distributing household insurance: operating models and partners, 2009 / 2010 (continued) 29
  • Major retailers worldwide distributing accident insurance: operating models and partners, 2009 / 2010 30
  • Major retailers worldwide distributing accident insurance: operating models and partners, 2009 / 2010 (continued) 31
  • Major retailers worldwide distributing dental insurance: operating models and partners, 2009 / 2010 32
  • Major retailers worldwide distributing other health insurance: operating models and partners, 2009 / 2010 33
  • Major retailers worldwide distributing other health insurance: operating models and partners, 2009 / 2010 continued) 34
  • Major retailers worldwide distributing travel insurance: operating models and partners, 2009 / 2010 35
  • Major retailers worldwide distributing travel insurance: operating models and partners, 2009 / 2010 (continued) 36
  • Major retailers worldwide distributing pet insurance: operating models and partners, 2009 / 2010 37
  • Major retailers worldwide distributing pet insurance: operating models and partners, 2009 / 2010 (continued) 38
  • Major retailers worldwide distributing life insurance: operating models and partners, 2009 / 2010 39
  • Major retailers worldwide distributing life insurance: operating models and partners, 2009 / 2010 (continued) 40
  • Major retailers worldwide distributing life insurance: operating models and partners, 2009 / 2010 (continued) 41
  • % of consumers in the UK acquiring insurance through supermarkets and all other types of retailer combined, 2009, 2007, 2005 and previous years compared (data) 43
  • Retailer provision of insurance in Argentina: provision rates by type of insurance, 2009 / 2010 46
  • Retailer provision of insurance in Argentina: provision rates, operating models and partner market shares, 2009 /2010 47
  • Retailer provision of insurance in Australia: provision rates by type of insurance, 2009 / 2010 50
  • Retailer provision of insurance in Australia: provision rates, operating models and partner market shares, 2009 /2010 51
  • Retailer provision of insurance in Belgium: provision rates by type of insurance, 2009 / 2010 54
  • Retailer provision of insurance in Belgium: provision rates, operating models and partner market shares, 2009 /2010 55
  • Retailer provision of insurance in Brazil: provision rates by type of insurance, 2009 / 2010 59
  • Retailer provision of insurance in Brazil: provision rates, operating models and partner market shares, 2009 / 2010
  • 60
  • Retailer provision of insurance in Canada: provision rates by type of insurance, 2009 / 2010 63
  • Retailer provision of insurance in Canada: provision rates, operating models and partner market shares, 2009 /2010 64
  • Retailer provision of insurance in Chile: provision rates by type of insurance, 2009 / 2010 70
  • Retailer provision of insurance in Chile: provision rates, operating models and partner market shares, 2009 / 2010 71
  • Retailer provision of insurance in Colombia: provision rates by type of insurance, 2009 / 2010 75
  • Retailer provision of insurance in Colombia: provision rates, operating models and partner market shares, 2009 /2010 76
  • Retailer provision of insurance in the Czech Republic: provision rates by type of insurance, 2009 / 2010 79
  • Retailer provision of insurance in the Czech Republic: provision rates, operating models and partner market shares, 2009 / 2010 80
  • Retailer provision of insurance in Ecuador: provision rates by type of insurance, 2009 / 2010 83
  • Retailer provision of insurance in Ecuador: provision rates, operating models and partner market shares, 2009 /2010 84
  • Retailer provision of insurance in Estonia: provision rates by type of insurance, 2009 / 2010 87
  • Retailer provision of insurance in Estonia: provision rates, operating models and partner market shares, 2009 /2010 88
  • Retailer provision of insurance in Finland: provision rates by type of insurance, 2009 / 2010 91
  • Retailer provision of insurance in Finland: provision rates, operating models and partner market shares, 2009 /2010 92
  • Retailer provision of insurance in France: provision rates by type of insurance, 2009 / 2010 96
  • Retailer provision of insurance in France: provision rates, operating models and partner market shares, 2009 /2010 97
  • Retailer provision of insurance in Germany: provision rates by type of insurance, 2009 / 2010 102
  • Retailer provision of insurance in Germany: provision rates, operating models and partner market shares, 2009 /2010 104
  • Retailer provision of insurance in Hungary: provision rates by type of insurance, 2009 / 2010 107
  • Retailer provision of insurance in Hungary: provision rates, operating models and partner market shares, 2009 /2010 108
  • Retailer provision of insurance in India: provision rates by type of insurance, 2009 / 2010 112
  • Retailer provision of insurance in India: provision rates, operating models and partner market shares, 2009 / 2010 114
  • Retailer provision of insurance in Indonesia: provision rates by type of insurance, 2009 / 2010 119
  • Retailer provision of insurance in Indonesia: provision rates, operating models and partner market shares, 2009 /2010 120
  • Retailer provision of insurance in Ireland: provision rates by type of insurance, 2009 / 2010 123
  • Retailer provision of insurance in Ireland: provision rates, operating models and partner market shares, 2009 / 2010 124
  • Retailer provision of insurance in Italy: provision rates by type of insurance, 2009 / 2010 127
  • Retailer provision of insurance in Italy: provision rates, operating models and partner market shares, 2009 / 2010 128
  • Retailer provision of insurance in Japan: provision rates by type of insurance, 2009 / 2010 131
  • Retailer provision of insurance in Japan: provision rates, operating models and partner market shares, 2009 / 2010 133
  • Retailer provision of insurance in Malaysia: provision rates by type of insurance, 2009 / 2010 138
  • Retailer provision of insurance in Malaysia: provision rates, operating models and partner market shares, 2009 /2010 139
  • Retailer provision of insurance in Mexico: provision rates by type of insurance, 2009 / 2010 142
  • Retailer provision of insurance in Mexico: provision rates, operating models and partner market shares, 2009 /2010 144
  • Retailer provision of insurance in the Netherlands: provision rates by type of insurance, 2009 / 2010 147
  • Retailer provision of insurance in the Netherlands: provision rates, operating models and partner market shares, 2009 / 2010 148
  • Retailer provision of insurance in New Zealand: provision rates by type of insurance, 2009 / 2010 151
  • Retailer provision of insurance in New Zealand: provision rates, operating models and partner market shares, 2009 / 2010 152
  • Retailer provision of insurance in Peru: provision rates by type of insurance, 2009 / 2010 156
  • Retailer provision of insurance in Peru: provision rates, operating models and partner market shares, 2009 / 2010 157
  • Retailer provision of insurance in Portugal: provision rates by type of insurance, 2009 / 2010 160
  • Retailer provision of insurance in Portugal: provision rates, operating models and partner market shares, 2009 /2010 161
  • Retailer provision of insurance in Romania: provision rates by type of insurance, 2009 / 2010 164
  • Retailer provision of insurance in Romania: provision rates, operating models and partner market shares, 2009 /2010 165
  • Retailer provision of insurance in Russia: provision rates by type of insurance, 2009 / 2010 168
  • Retailer provision of insurance in Russia: provision rates, operating models and partner market shares, 2009 / 2010 169
  • Retailer provision of insurance in Singapore: provision rates by type of insurance, 2009 / 2010 172
  • Retailer provision of insurance in Singapore: provision rates, operating models and partner market shares, 2009 /2010 173
  • Retailer provision of insurance in South Africa: provision rates by type of insurance, 2009 / 2010 177
  • Retailer provision of insurance in South Africa: provision rates, operating models and partner market shares, 2009 /2010 179
  • Retailer provision of insurance in South Korea: provision rates by type of insurance, 2009 / 2010 183
  • Retailer provision of insurance in South Korea: provision rates, operating models and partner market shares, 2009 /2010 185
  • Retailer provision of insurance in Spain: provision rates by type of insurance, 2009 / 2010 188
  • Retailer provision of insurance in Spain: provision rates, operating models and partner market shares, 2009 / 2010 189
  • Retailer provision of insurance in Switzerland: provision rates by type of insurance, 2009 / 2010 193
  • Retailer provision of insurance in Switzerland: provision rates, operating models and partner market shares, 2009 /2010 194
  • Retailer provision of insurance in Thailand: provision rates by type of insurance, 2009 / 2010 198
  • Retailer provision of insurance in Thailand: provision rates, operating models and partner market shares, 2009 /2010 199
  • Retailer provision of insurance in the UK: provision rates by type of insurance, 2009 / 2010 203
  • Retailer provision of insurance in the UK: provision rates, operating models and partner market shares, 2009 / 2010 206
  • Retailer provision of insurance in the USA: provision rates by type of insurance, 2009 / 2010 212
  • Retailer provision of insurance in the USA: provision rates, operating models and partner market shares, 2009 /2010 213
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