市場調査レポート

リスクメトリクス:英国における日常的なリスクに対する消費者の不安と保険加入

Risk Metrics: Consumer Concern for and Acquisition of Insurance for Everyday Risks in the UK

発行 Finaccord Ltd. 商品コード 230990
出版日 ページ情報 英文 249 Pages
納期: 即日から翌営業日
価格
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リスクメトリクス:英国における日常的なリスクに対する消費者の不安と保険加入 Risk Metrics: Consumer Concern for and Acquisition of Insurance for Everyday Risks in the UK
出版日: 2012年01月01日 ページ情報: 英文 249 Pages
概要

当報告書では、英国消費者が考える日常的なリスクと関連する保険について調査分析し、様々なリスクに対する消費者の不安度・意識レベル、重要度の高い保険タイプ、各保険タイプの市場規模などについてまとめるなど、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 リスク概要

  • イントロダクション
  • 基本的なリスクの関連性
  • 基本的なリスクによる懸念レベル
  • 全般的な保険加入率
  • 単独型保険加入率

第3章 リスク分析

  • イントロダクション
  • 健康関連のリスク
  • 金融関連のリスク
  • 所有物に関するリスク(事故による破損、紛失、盗難)
  • 所有物に関するリスク(機械的・技術的欠陥)
  • セキュリティー関連のリスク
  • 住宅所有に関連するリスク
  • 車所有に関連するリスク

第4章 市場区分分析

  • イントロダクション
  • 健康関連のリスク
  • 金融関連のリスク
  • 所有物に関するリスク(事故による破損、紛失、盗難)
  • 所有物に関するリスク(機械的・技術的欠陥)
  • セキュリティー関連のリスク
  • 住宅所有に関連するリスク
  • 車所有に関連するリスク

付録

  • 調査手法、サンプル、構造

図表

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目次
Product Code: report_rm_ccai_er_uk

Abstract

Risk Metrics: Consumer Concern for and Acquisition of Insurance for Everyday Risks in the UK is an updated study about 40 types of risk and their associated insurance, warranty and assistance policies that are often described as 'niche' when compared to more mainstream insurance policies such as motor, household, travel and life insurance. However, the vast majority of these types of risk are deemed to be relevant to their circumstances by over 50% of survey respondents with the result that many have also acquired a policy to cover the risk. In fact, the research measures the relevance and degree of concern caused to survey participants by each of these 40 risks as well as measuring the take-up rates for the related insurance, warranty and assistance policies, whether on a stand-alone or packaged basis, among consumers with results broken out in detail in each case by gender, age group, annual household income and geographical location of respondents. Furthermore, for most policy types it is also possible to compare the latest results for 2011 with those from the previous survey carried out in 2007. The types of insurance used to cover these risks, which fall into seven broader categories, are as follows: personal health: children's health insurance, critical illness insurance, dental expenses insurance, health / hospital cash plans, long-term income protection insurance, personal accident insurance, private medical insurance, sports accident insurance; financial commitments: bill payment protection insurance, credit card payment protection insurance, legal expenses insurance, loan payment protection insurance, mortgage payment protection insurance, short-term income protection insurance (accident / illness); short-term income protection insurance (unemployment); personal possessions (insurance): bicycle insurance, furniture insurance, garden insurance, glasses / spectacles insurance, handbag / briefcase insurance, jewellery insurance, missed event / ticket cancellation insurance, mobile gadget insurance, mobile telephone insurance, musical instrument insurance, pet insurance, purchase protection insurance; personal possessions (warranty): extended warranty / service contract for audio-visual appliance, extended warranty / service contract for computing device, extended warranty / service contract for kitchen appliance; personal security: card protection insurance, identity theft insurance / assistance; home ownership: drainage / plumbing / water supply pipe insurance, electrical emergency and breakdown insurance, gas boiler / gas supply pipe / gas central heating insurance; car ownership: breakdown recovery insurance, extended warranty / service contract for car, GAP / shortfall protection insurance, MOT insurance, tyre insurance. You may be able to use this report in one or more of the following ways: - gain cost-effective access to a source of data and insight covering 40 types of insurance, warranty and assistance policy which in aggregate amount to a substantial stand-alone market; - prioritise the way in which you promote different types of cover to existing or prospective customers in accordance with the apparent concern that the underlying risks are causing them; - appreciate the degree to which packaging with other financial services is already limiting or possesses the potential to limit the future development of stand-alone markets in the UK; - understand the likely future outlook for the insurance, warranty and assistance policies considered on the basis of both the results for 2011 and the time line analysis in comparison to 2007; - use the data describing the preoccupations and behaviour of each consumer segment to improve your marketing campaigns for each of the 40 forms of insurance, warranty and assistance product under review.

Table of Contents

0.0 EXECUTIVE SUMMARY

  • Critical illness and identity theft score highly for both relevance to and concern among consumers
  • The perceived relevance of mobile gadget insurance increased most rapidly between 2007 and 2011
  • with the degree of concern moving up most quickly for the risks associated with bicycle insurance
  • Arguably, children's health and critical illness insurance are the most 'under-sold' forms of cover
  • with breakdown recovery, furniture, garden and jewellery insurance at the other end of the spectrum
  • For 13 of the 40 policy types, packaged or substitute cover is more important than stand-alone cover
  • although five can only ever be acquired in a stand-alone format
  • Purchase of stand-alone cover has increased most strongly for pet insurance
  • and (quite predictably) has fallen most precipitously for credit card payment protection insurance
  • Propensity to take out stand-alone unemployment insurance peaks in the 25-34 age group
  • Extended warranties for computing devices are bought quite evenly across all levels of household income
  • Londoners are more likely to acquire many types of cover than their counterparts elsewhere in the UK
  • especially for policies related to personal health and financial commitments

1.0 INTRODUCTION

  • Scope and rationale
    • Over a half of respondents deem the majority of risk types covered to be relevant to their circumstances
    • ... although, in many cases, little or no published research exists to illustrate consumer behaviour
    • The Risk Metrics research program adds value in four key respects...
    • ... and is relevant to a variety of financial and other affinity partners as well as insurance providers
  • Changes relative to the 2007 survey
    • Nine brand new policy types are covered by the latest survey
  • Rounding differences
  • Finaccord
    • Risk Metrics and other consumer research studies focused on the UK
    • UK affinity and partnership marketing publications

2.0 RISK OVERVIEW

  • Introduction
    • For most of the insurance types investigated, the results for 2011 can be compared with those for 2007
  • Relevance of underlying risks
  • Insurance types
    • Consumers are most likely to perceive defects to computing devices as a relevant risk
    • with risks related to ownership of a musical instrument emerging as the least relevant
    • Risks associated with ownership of mobile gadgets have seen the greatest rise in perceived relevance
  • Degree of concern caused by underlying risks
  • Insurance types
    • Among the relevant audience, risks to children's health occasion the highest rates of concern...
    • with respondents also showing relatively high concern about their own health and that of their pets
    • Generally speaking, consumers are least concerned about missing events for which they bought a ticket
    • Concern has risen most rapidly for the risks associated with ownership of a bicycle
    • Consumers seem to be less worried about identity theft than they were in 2007
    • Risks related to home ownership have seen an increase in respondent anxiety
  • Overall policy take-up rates
  • Among all consumers
    • Only breakdown recovery insurance is held by more than a half of all survey participants...
    • ... although a further four types of cover have been acquired by more than a third of the sample
    • Tyre insurance registers the weakest overall take-up rate across all consumers
    • The overall take-up rate for pet insurance has advanced most rapidly since 2007
    • although take-up rates for 16 out of 30 forms of cover have fallen back
  • Among consumers for whom underlying risks are relevant
    • 14 of the 40 types of cover considered are held by more than a third of the relevant audience
    • Since 2007, take-up rates for different forms of home emergency cover have tended to move up strongly
    • with those for loan and credit card payment protection cover, as expected, having both declined rapidly
    • Several types of insurance appear under-sold relative to the concern that the related risks cause
  • Stand-alone policy take-up rates
  • Among all consumers
    • Insurance to cover the risks analysed can often by acquired on a packaged basis...
    • which is priced at less per policy by insurance underwriters than stand-alone cover
    • Consumers are most likely to acquire breakdown recovery insurance in a stand-alone format
    • whereas purchase protection insurance is only ever available as a packaged concept
    • In terms of their rise in stand-alone take-up rate, two forms of home emergency cover perform well
  • Among consumers for whom underlying risks are relevant
    • Within the relevant audience, the stand-alone take-up rate for musical instrument insurance is much higher
    • There is a stand-alone market, albeit sometimes small, in almost every instance

3.0 RISK ANALYSIS

  • Introduction
  • Risks related to personal health
  • Children's health
  • Critical illness
  • Dental expenses
  • Medical or hospital treatment
  • Permanent disability
  • Personal accidents
  • Medical expenses
  • Sports-related accidents
  • Risks related to financial commitments
  • Mortgage payments
  • Loan / car finance payments
  • Credit card payments
  • Bill payments
  • Short-term accident or illness
  • Short-term unemployment
  • Legal expenses
  • Risks related to personal possessions (accidental damage, loss or theft)
  • Bicycles
  • Furniture
  • Gardens, garden plants and garden equipment and furniture
  • Glasses or spectacles
  • Handbags or briefcases
  • Jewellery
  • Event tickets
  • Mobile gadgets
  • Mobile telephones
  • Musical instruments
  • Pets
  • Valuable purchases
  • Risks related to personal possessions (mechanical or technical defects)
  • Audio-visual appliances
  • Computing devices
  • Kitchen appliances
  • Risks related to personal security
  • Cards, keys and personal documents
  • Identity
  • Risks related to home ownership
  • Drainage, plumbing and water supply pipes
  • Electricity supply
  • Gas boilers, gas supply pipes and gas central heating
  • Risks related to car ownership
  • Cars (breakdown)
  • Cars (mechanical / technical defects)
  • Cars (financial shortfall)
  • Cars (MOT failure)
  • Car tyres

4.0 SEGMENT ANALYSIS

  • Introduction
  • Risks related to personal health
  • Children's health
  • Critical illness
  • Dental expenses
  • Medical or hospital treatment
  • Permanent disability
  • Personal accidents
  • Medical expenses
  • Sport-related accidents
  • Risks related to financial commitments
  • Mortgage payments
  • Loan / car finance payments
  • Credit card payments
  • Bill payments
  • Short-term accident or illness
  • Short-term unemployment
  • Legal expenses
  • Risks related to personal possessions (accidental damage, loss or theft)
  • Bicycles
  • Furniture
  • Gardens, garden plants and garden equipment and furniture
  • Glasses or spectacles
  • Handbags or briefcases
  • Jewellery
  • Event tickets
  • Mobile gadgets
  • Mobile telephones
  • Musical instruments
  • Pets
  • Valuable purchases
  • Risks related to personal possessions (mechanical or technical defects)
  • Audio-visual appliances
  • Computing devices
  • Kitchen appliances
  • Risks related to personal security
  • Cards, keys and documents
  • Identity
  • Risks related to home ownership
  • Drainage, plumbing and water supply pipes
  • Electricity supply
  • Gas boilers, gas supply pipes and gas central heating
  • Risks related to car ownership
  • Cars (breakdown)
  • Cars (mechanical / technical defects)
  • Cars (financial shortfall)
  • Cars (MOT failure)
  • Car tyres

5.0 APPENDIX

  • Research methodology, sample and structure

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY 1

  • Plotting relevance to respondents against degree of concern to respondents reveals considerable variations in the potential for the 40 types of cover analysed 3
  • Relative to the degree of concern caused by the underlying risks, around 20 out of 40 forms of cover appear 'under-sold' 4
  • For most types of cover, stand-alone purchase is more common than acquisition via a packaged or substitute policy 6
  • Different types of insurance, warranty and assistance display very different take-up rates by age group 7
  • Annual household income also has a significant bearing on take-up rates for different insurance, warranty and assistance products 8
  • For most risk groups, the greater youth and affluence of respondents living in London helps to product insurance take-up rates that are higher than elsewhere in the UK 9

1.0 INTRODUCTION 11

2.0 RISK OVERVIEW 15

  • Ranking of insurance types by degree of relevance to respondents, 2011 17
  • Ranking of insurance types by change in degree of relevance to consumers, 2007 to 2011 19
  • Plot of insurance types by relevance among all consumers in 2011 versus change in relevance from 2007 to 2011 20
  • Ranking of insurance groups by change in average degree of relevance to consumers, 2007 to 2011 21
  • Ranking of insurance types by degree of concern caused by underlying risks among consumers for whom the risk is relevant, 2011 23
  • Ranking of insurance types by change in degree of concern caused by underlying risks among consumers for whom the risk is relevant, 2007 to 2011 25
  • Plot of insurance types by degree of concern caused by underlying risks among consumers for whom the risk is relevant in 2011 versus change in degree of concern from 2007 to 2011 26
  • Plot of relevance of and degree of concern caused by underlying risks among all consumers, 2011 28
  • Ranking of insurance groups by change in degree of concern caused by underlying risks among consumers for whom the risk is relevant, 2007 to 2011 29
  • Ranking of insurance types by overall take-up rates among all consumers, 2011 31
  • Ranking of insurance types by change in overall take-up rates among all consumers, 2007 to 2011 33
  • Plot of insurance types by overall take-up rates among all consumers in 2011 versus change in overall take-up rates from 2007 to 2011 34
  • Ranking of insurance types by overall take-up rates among consumers for whom the underlying risks are relevant, 2011 36
  • Plot of degree of concern caused by underlying risks and overall insurance take-up rates among consumers for whom the underlying risks are relevant, 2011 38
  • Ranking of insurance types by overall take-up rates among consumers for whom the underlying risks are relevant, 2007 to 2011 39
  • Plot of insurance types by overall take-up rates among consumers for whom the underlying risks are relevant in 2011 versus change in overall take-up rates from 2007 to 2011 40
  • Ranking of insurance types by take-up rates for stand-alone cover among all consumers, 2011 42
  • Ranking of insurance types by change in take-up rates for stand-alone cover among all consumers, 2007 to 2011 44
  • Plot of insurance types by stand-alone take-up rates among all consumers in 2011 versus change in stand-alone take-up rates from 2007 to 2011 45
  • Ranking of insurance types by take-up rates for stand-alone cover among consumers for whom the underlying risks are relevant, 2011 47
  • Plot of consumers for whom the underlying risks are relevant with stand-alone cover and those within the same group with packaged / substitute cover, 2011 49
  • Ranking of insurance types by change in take-up rates for stand-alone cover among consumers for whom the underlying risks are relevant, 2007 to 2011 50
  • Plot of insurance types by stand-alone take-up rates among consumers for whom the underlying risks are relevant in 2011 versus change in stand-alone take-up rates from 2007 to 2011 51

3.0 RISK ANALYSIS 52

  • Children's health: level of concern and degree of relevance to respondents, 2011 53
  • Children's health insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 54
  • Critical illness: level of concern and degree of relevance to respondents, 2011 55
  • Critical illness insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 56
  • Dental expenses: level of concern and degree of relevance to respondents, 2011 57
  • Dental insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 58
  • Medical or hospital treatment: level of concern and degree of relevance to respondents, 2011 59
  • Health / hospital cash plans: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 60
  • Permanent disability: level of concern and degree of relevance to respondents, 2011 61
  • Long-term income protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 62
  • Personal accidents: level of concern and degree of relevance to respondents, 2011 63
  • Personal accident insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 64
  • Medical expenses: level of concern and degree of relevance to respondents, 2011 65
  • Private medical insurance: respondent penetration rates, 2011 66
  • Sports-related accidents: level of concern and degree of relevance to respondents, 2011 67
  • Sports accident insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 68
  • Mortgage payments: level of concern and degree of relevance to respondents, 2011 69
  • Mortgage term life / mortgage payment protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 71
  • Loan / car finance payments: level of concern and degree of relevance to respondents, 2011 72
  • Loan payment protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 73
  • Credit card payments: level of concern and degree of relevance to respondents, 2011 74
  • Credit card payment protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 75
  • Bill payments: level of concern and degree of relevance to respondents, 2011 76
  • Bill payment protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 77
  • Short-term accident or illness: level of concern and degree of relevance to respondents, 2011 78
  • Short-term income protection insurance (covering accident and / or illness): respondent penetration rates split between stand-alone purchase and packaged cover, 2011 79
  • Short-term unemployment: level of concern and degree of relevance to respondents, 2011 80
  • Short-term income protection insurance (covering unemployment): respondent penetration rates split between stand-alone purchase and packaged cover, 2011 81
  • Legal expenses: level of concern and degree of relevance to respondents, 2011 82
  • Legal expenses insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 84
  • Accidental damage to or loss or theft of bicycles: level of concern and degree of relevance to respondents, 2011 85
  • Bicycle insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 86
  • Accidental damage or defects to furniture: level of concern and degree of relevance to respondents, 2011 87
  • Furniture insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 88
  • Accidental damage to gardens and accidental damage to or theft of garden plants, equipment or furniture: level of concern and degree of relevance to respondents, 2011 89
  • Garden insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 90
  • Accidental damage to or loss or theft of glasses or spectacles: level of concern and degree of relevance to respondents, 2011 91
  • Glasses / spectacles insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 92
  • Accidental damage to or loss or theft of handbags or briefcases: level of concern and degree of relevance to respondents, 2011 93
  • Handbag / briefcase insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 94
  • Accidental damage to or loss or theft of jewellery: level of concern and degree of relevance to respondents, 2011 95
  • Jewellery insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 96
  • Inability to attend an event: level of concern and degree of relevance to respondents, 2011 97
  • Missed event / ticket cancellation insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 98
  • Accidental damage to or loss or theft of mobile gadgets: level of concern and degree of relevance to respondents, 2011 99
  • Mobile gadget insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 100
  • Accidental damage to or loss or theft of mobile telephones: level of concern and degree of relevance to respondents, 2011 101
  • Mobile telephone insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 102
  • Accidental damage to or loss or theft of musical instruments: level of concern and degree of relevance to respondents, 2011 103
  • Musical instrument insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 104
  • Veterinary expenses associated with ownership of pets: level of concern and degree of relevance to respondents, 2011 105
  • Pet insurance: respondent penetration rates split by type of pet cover, 2011 107
  • Pet insurance: respondent penetration rates split between owners of cats, dogs and other animals, 2011 108
  • Accidental damage to or loss or theft of any kind of high value purchase: level of concern and degree of relevance to respondents, 2011 109
  • Purchase protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 110
  • Mechanical or technical defects to audio-visual appliances: level of concern and degree of relevance to respondents, 2011 111
  • Extended warranties for audio-visual appliances: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 112
  • Mechanical or technical defects to computing devices: level of concern and degree of relevance to respondents, 2011 113
  • Extended warranties for computing devices: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 114
  • Mechanical or technical defects to kitchen appliances: level of concern and degree of relevance to respondents, 2011 115
  • Extended warranties for kitchen appliances: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 116
  • Loss or theft of cards, keys or valuable documents: level of concern and degree of relevance to respondents, 2011 117
  • Card protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 118
  • Identity theft: level of concern and degree of relevance to respondents, 2011 119
  • Identity protection insurance / assistance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 120
  • Drainage, plumbing and water supply pipe emergencies or faults: level of concern and degree of relevance to respondents, 2011 121
  • Drainage / plumbing / water supply pipe insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 123
  • Electrical emergencies or faults: level of concern and degree of relevance to respondents, 2011 124
  • Electrical emergency and breakdown insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 126
  • Gas boiler, gas supply pipe or gas central heating emergencies or faults: level of concern and degree of relevance to respondents, 2011 127
  • Gas boiler / gas supply pipe / gas central heating insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 129
  • Car breakdown: level of concern and degree of relevance to respondents, 2011 130
  • Breakdown recovery insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 132
  • Mechanical or technical defects to cars: level of concern and degree of relevance to respondents, 2011 133
  • Extended warranties for cars: respondent penetration rates, 2011 134
  • Financial shortfall associated with ownership of cars: level of concern and degree of relevance to respondents, 2011 135
  • GAP / shortfall protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover, 2011 136
  • MOT failure: level of concern and degree of relevance to respondents, 2011 137
  • MOT insurance: respondent penetration rates, 2011 138
  • Punctures or other damage to tyres: level of concern and degree of relevance to respondents, 2011 139
  • Tyre insurance: respondent penetration rates, 2011 140

4.0 SEGMENT ANALYSIS 141

  • Children's health: level of concern and degree of relevance split by respondent segment, 2011 142
  • Children's health insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 143
  • Critical illness: level of concern and degree of relevance split by respondent segment, 2011 144
  • Critical illness insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 145
  • Dental expenses: level of concern and degree of relevance split by respondent segment, 2011 146
  • Dental insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 147
  • Medical or hospital treatment: level of concern and degree of relevance split by respondent segment, 2011 148
  • Health / hospital cash plans: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 149
  • Permanent disability: level of concern and degree of relevance split by respondent segment, 2011 150
  • Long-term income protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 151
  • Personal accidents: level of concern and degree of relevance split by respondent segment, 2011 152
  • Personal accident insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 153
  • Medical expenses: level of concern and degree of relevance split by respondent segment, 2011 154
  • Private health insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 155
  • Sport-related accidents: level of concern and degree of relevance split by respondent segment, 2011 156
  • Sports accident insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 157
  • Mortgage payments: level of concern and degree of relevance split by respondent segment, 2011 158
  • Mortgage life / mortgage payment protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 159
  • Loan / car finance payments: level of concern and degree of relevance split by respondent segment, 2011 160
  • Loan payment protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 161
  • Credit card payments: level of concern and degree of relevance split by respondent segment, 2011 162
  • Credit card payment protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 163
  • Bill payments: level of concern and degree of relevance split by respondent segment, 2011 164
  • Bill payment protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 165
  • Short-term accident or illness: level of concern and degree of relevance split by respondent segment, 2011 166
  • Short-term income protection insurance (covering accident and / or illness): respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 167
  • Short-term unemployment: level of concern and degree of relevance split by respondent segment, 2011 168
  • Short-term income protection insurance (covering unemployment): respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 169
  • Legal expenses: level of concern and degree of relevance split by respondent segment, 2011 170
  • Legal expenses insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 171
  • Accidental damage to or loss or theft of bicycles: level of concern and degree of relevance split by respondent segment, 2011 172
  • Bicycle insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 173
  • Accidental damage or defects to furniture: level of concern and degree of relevance split by respondent segment, 2011 174
  • Furniture insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 175
  • Accidental damage to gardens and accidental damage to or theft of garden plants, equipment or furniture: level of concern and degree of relevance split by respondent segment, 2011 176
  • Garden insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 177
  • Accidental damage to or loss or theft of glasses or spectacles: level of concern and degree of relevance split by respondent segment, 2011 178
  • Glasses / spectacles insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 179
  • Accidental damage to or loss or theft of handbags or briefcases: level of concern and degree of relevance split by consumer, 2011 segment, 2011 180
  • Handbag / briefcase insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 181
  • Accidental damage to or loss or theft of jewellery: level of concern and degree of relevance split by respondent segment, 2011 182
  • Jewellery insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 183
  • Inability to attend an event: level of concern and degree of relevance split by respondent segment, 2011 184
  • Missed event / ticket cancellation insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 185
  • Accidental damage to or loss or theft of mobile gadgets: level of concern and degree of relevance split by respondent segment, 2011 186
  • Mobile gadget insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 187
  • Accidental damage to or loss or theft of mobile telephones: level of concern and degree of relevance split by respondent segment, 2011 188
  • Mobile telephone insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 189
  • Accidental damage to or loss or theft of musical instruments: level of concern and degree of relevance split by respondent segment, 2011 190
  • Musical instrument insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 191
  • Veterinary expenses associated with ownership of pets: level of concern and degree of relevance split by respondent segment, 2011 192
  • Pet insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 193
  • Accidental damage to or loss or theft of any kind of high value purchase: level of concern and degree of relevance split by respondent segment, 2011 194
  • Purchase protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 195
  • Mechanical or technical defects to audio-visual appliances: level of concern and degree of relevance split by respondent segment, 2011 196
  • Extended warranties for audio-visual appliances: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 197
  • Mechanical or technical defects to computing devices: level of concern and degree of relevance split by respondent segment, 2011 198
  • Extended warranties for computing devices: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 199
  • Mechanical or technical defects to kitchen appliances: level of concern and degree of relevance split by respondent segment, 2011 200
  • Extended warranties for kitchen appliances: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 201
  • Loss or theft of cards, keys or valuable documents: level of concern and degree of relevance split by respondent segment, 2011 202
  • Card protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 203
  • Identity theft: level of concern and degree of relevance split by respondent segment, 2011 204
  • Identity theft insurance / assistance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 205
  • Drainage, plumbing or water supply pipe emergencies or faults: level of concern and degree of relevance split by respondent segment, 2011 206
  • Drainage / plumbing / water supply pipe insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 207
  • Electrical emergencies or faults: level of concern and degree of relevance split by respondent segment, 2011 208
  • Electrical emergency and breakdown insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 209
  • Gas boiler, gas supply pipe or gas central heating emergencies or faults: level of concern and degree of relevance split by respondent segment, 2011 210
  • Gas boiler / gas supply pipe / gas central heating insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 211
  • Car breakdown: level of concern and degree of relevance split by respondent segment, 2011 212
  • Breakdown recovery insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 213
  • Mechanical or technical defects to cars: level of concern and degree of relevance split by respondent segment, 2011 214
  • Extended warranties for cars: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 215
  • Financial shortfall associated with ownership of cars: level of concern and degree of relevance split by respondent segment, 2011 216
  • GAP / shortfall protection insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 217
  • MOT failure: level of concern and degree of relevance split by respondent segment, 2011 218
  • MOT insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 219
  • Punctures or other damage to tyres: level of concern and degree of relevance split by respondent segment, 2011 220
  • Tyre insurance: respondent penetration rates split between stand-alone purchase and packaged cover and by respondent segment, 2011 221

5.0 APPENDIX 222

  • Sample breakdown by age group and annual household income 222
  • Sample breakdown by geography and type of bank account held 223
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