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市場調査レポート

英国のホームエマージェンシー保険およびアシスタンスサービス

Home Emergency Insurance and Assistance in the UK

発行 Finaccord Ltd. 商品コード 310934
出版日 ページ情報 英文 32 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1GBP=146.92円で換算しております。
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英国のホームエマージェンシー保険およびアシスタンスサービス Home Emergency Insurance and Assistance in the UK
出版日: 2014年06月01日 ページ情報: 英文 32 Pages
概要

当レポートでは、英国のホームエマージェンシー保険およびアシスタンスサービス市場に注目し、補足のPartnerBASE市場データ集とともに、その独立ベースでの販売または電力・ガス・水道サービスや家事保険、金融商品との併売によってガスボイラーやガス配管、セントラルヒーティングの不具合、水道ポンプ、水漏れ、配管の障害、電気の突発性事故や停電などを保障する同保険市場の分析情報をまとめています。

エグゼクティブサマリー

第1章 イントロダクション

  • レポートの対象市場
  • 調査事由
    • Finaccordによる前回の画期的調査の更新・拡大版とする
  • 調査方法
    • 直接取材
      • 80社あまりの電力・ガス・水道会社および住宅保険ブランドに対するアンケート調査
    • 市場データ
    • 外部情報源
  • 定義
    • 専門用語・略語
    • 運用モデル
    • 通貨、為替レート、物価上昇率
    • 運用モデル
  • PartnerBASE
  • Finaccord

第2章 市場分析

  • イントロダクション
  • 居住施設数データ
    • 英国には2700万軒の入居済み住居が存在
    • そのおよそ65%は所有者が居住
  • 重要提携組織を通じての販売
    • 調査対象とした組織のサマリー
    • 契約率
    • 運用モデル
    • エネルギー企業との提携関係
    • 水道会社との提携関係
    • 家事保険ブランドとの提携関係
    • 重要提携組織との提携関係加重市場シェア
  • その他の販売経路
    • ガスボイラーメーカー
    • 直販
    • オンラインアグリゲーターおよびブローカー
    • その他のオンラインブランド
    • 決済カードおよび銀行口座
    • 自動車クラブ
    • 他種の販売業者
  • 市場規模、成長率、予測
    • いくつかのファクターから近年低下している英国市場の成長率
    • - とはいえ2009年をかなり上回る2013年実績
    • 英国市場の実態に対して徹底調査に乗り出した英国金融行動監督機構(FCA)
  • 債権者保険の対象リスク
    • あらゆる保険が死亡および永久障害の可能性に対応
  • 代替販売経路
    • 大手保険会社3社が住宅ローン関連債権者保険を消費者に直接販売
    • 「旧来型」決済保護規定を求める債務者は専門仲介業者からの購入が必須
    • 消費者調査から判明した「大半の住宅ローン生命保険購入先は貸し手以外」
  • 債権者保険市場の規模、成長率、予測
    • 市場は現在ほぼ全面的に住宅ローン関連生命保険で構成 - 2003-2017年に販売額拡大の予測
    • 2005年秋に初めて独自の「大苦情」リストを作成したCitizens Advice - 最低5つの問題点を背景に
    • 2007年以降決済保護市場から撤退に転じた融資機関 - 国内消費者に140億ポンドの返金済み
    • HomeServeの英国事業は下降も顧客数は190万人に定着の見込み
    • British Gas Insuranceは顧客あたりの収益で好成績
    • 有効保険契約数の3分の1を占めるガスおよびボイラー対象契約
    • 家事保険との併売は全市場内で比較的薄弱傾向
    • 物価上昇分を除く市場全分野の実質年間平均成長率は1.3%の微増見込み
目次

Home Emergency Insurance and Assistance in the UK is a report plus an associated PartnerBASE™ dataset and market data file about the market for this type of cover in the UK. In essence, the term ‘home emergency insurance and assistance' encompasses policies that are sold on a stand-alone basis, or bundled with utility services, household insurance or banking products, that cover one or more of the following home-related problems:

  • malfunctioning of gas boilers, gas supply pipes or gas central heating;
  • problems with plumbing, drainage or water supply pipes;
  • electrical emergencies or breakdowns.

Key features of this report include:

  • quantification of the market size for home emergency insurance and assistance in the UK: how much is the market worth, how does it break down by policy type, and how is it likely to have grown by 2017?
  • identification of providers of home emergency insurance and assistance that have established relationships with energy firms, water companies and household insurers and calculation of their share of partnerships in both unweighted and weighted terms;
  • analysis of the degree to which home emergency cover is provided automatically or cross-sold as an optional extra this can have a very significant impact on household penetration rates and market values in any given country, including the UK;
  • assessment of the potential for marketing home emergency insurance and assistance through alternative channels including online aggregators and brokers, other online brands and banking products as well as gas boiler manufacturers, direct sales and automotive clubs.

Types of organisation that may be able to use this report, plus the PartnerBASE™ dataset and market data file that accompanies it, include entities in the following categories:

  • assistance companies: this study constitutes a unique guide to an under-researched yet significant and continually evolving market be fully appraised of what growth could mean for your organisation;
  • insurance companies: as a concept that can be made distinct from regular household insurance, home emergency insurance and assistance can either be sold stand-alone or packaged within household insurance policies;
  • electricity, gas and water companies: growth in the market for home emergency cover, allied to apparently high profit margins, presents a revenue enhancement opportunity for electricity, gas and water companies as well as insurance and assistance firms;
  • management consultancies: are you helping an insurance or assistance provider to develop its business in the UK, or are you advising an energy or water firm with regards to how it can improve its profitability? If so, this research will provide you with important insights into the market for home emergency insurance and assistance.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
  • Rationale
    • This report updates and expands upon Finaccord's previous ground-breaking research
  • Methodology
    • Primary research
      • The survey includes more than 80 utility companies and home insurance brands
    • Market data
    • External sources
  • Definitions
    • Terms and abbreviations
    • Operating models
    • Currencies, exchange rates and inflation
  • PartnerBASE
  • Finaccord

2.0 MARKET ANALYSIS

  • Introduction
  • Dwelling stock data
    • There are around 27 million occupied dwellings in the UK...
    • ...and nearly 65% of these are lived in by the owner of the property
  • Distribution through key partner organisations
    • Summary of organisations researched
    • Provision rates
      • Less than half of UK energy suppliers offer customers the chance to take out gas and boiler cover...
      • ...whereas the availability of all types of home emergency cover is higher among water companies
      • Most household insurers also offer comprehensive home emergency cover, typically as an upgrade...
      • ...and those that do not offer comprehensive cover offer lower-value emergency policies instead
    • Operating models
      • Three quarters of UK distributors work with a single external provider for home emergency cover...
      • ...although several energy companies opt for captive or internal provision instead
      • Household insurance brands using captives in this area include Allianz, AXA and Direct Line
    • Partnerships with energy companies
      • Two captive providers (plus one former captive) account for the majority of significant partnerships here
      • ...although both Aria Assistance and AXA Assistance are active as external providers in this sector
    • Partnerships with water companies
      • The duo of HomeServe and AXA hold the majority of contracts with water suppliers...
      • ...and British Gas Services and DAS also hold distribution partnerships for multiple policy types
    • Partnerships with household insurance brands
      • AXA Assistance and DAS are the leading partners for household insurers
      • ... although there are several other significant non-captive competitors...
      • ...and several household insurance brands, including MORETH>N, run their schemes internally
    • Weighted competitor share of partnerships with key partner organisations
      • The majority of providers concentrate on forging agreements with just one type of distributor
  • Other distribution channels
    • Gas boiler manufacturers
      • Optional cover is available from all the main boiler brands present in the UK
    • Direct sales
      • Many leading providers also sell direct to the public
    • Online aggregators and brokers
      • Several insurance aggregators compare home assistance as a separate product...
      • ... and several leading brokers have created their own product
    • Other online brands
      • Home assistance cover specific to landlords is available from HomeGuard
      • Home 3 Assistance has grown rapidly since its launch in 2009
    • Payment cards and bank accounts
      • A handful of added value bank accounts include home emergency cover
    • Automotive clubs
      • The AA offers a number of policies via its 'AA Home Membership' banner
    • Other types of distributor
      • Cover is available from various other sources including affinity brands such as Saga
  • Market size, growth and forecast
    • Growth in the UK market has been curtailed in recent years by several factors...
    • ... although it was still worth substantially more in 2013 than it had been in 2009
    • The FCA has undertaken an in-depth investigation into the workings of the UK market
    • HomeServe's UK business has declined but is forecast to stabilise at 1.9 million customers
    • British Gas Insurance reportedly generates very high revenues per customer
    • Gas and boiler cover accounts for over a third of the total number of policies in force
    • Distribution via household insurance accounts for a relatively thin slice of the total market
    • Discounting inflation, the market is forecast to edge up at a real compound annual rate of 1.3% up to 2017

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

  • Key market data for home emergency insurance in the UK

1.0 INTRODUCTION

2.0 MARKET ANALYSIS

  • Dwelling stock in the UK, segmented by type of dwelling and by type of occupant, 2013
  • Key metrics regarding dwelling stock in the UK, 2009, 2013 and forecast for 2017
  • Summary of potential distributor organisations researched in the UK, segmented by type, 2013
  • Provision rates for home emergency insurance in the UK, segmented by type of organisation and by type of policy, 2013
  • Extent to which home emergency insurance schemes in the UK are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2013
  • Extent to which home emergency insurance schemes in the UK are optional as opposed to automatic, segmented by type of organisation and by type of policy, 2013 (table)
  • Operating models used for home emergency insurance in the UK, segmented by type of organisation, 2013
  • Operating models used for home emergency insurance in the UK, segmented by type of organisation, 2013 (table)
  • Unweighted competitor share of partnerships for home emergency insurance in the UK, 2013: energy companies
  • Unweighted competitor share of partnerships for home emergency insurance in the UK, 2013: water companies
  • Unweighted competitor share of partnerships for home emergency insurance in the UK, 2013: household insurance brands
  • Weighted competitor share of partnerships for home emergency insurance in the UK, 2013
  • Estimated gross written premiums from home emergency insurance in the UK, 2009 and 2013
  • Estimated gross written premiums from home emergency insurance in the UK, 2009 and 2013 (table)
  • Estimated number of home emergency insurance policies in the UK, segmented by type of policy, 2013
  • Estimated gross written premiums from home emergency insurance in the UK, segmented by distribution channel, 2013
  • Estimated number of policies and gross written premiums for home emergency insurance in the UK, segmented by type of policy and by distribution channel, 2013
  • Forecast gross written premiums from home emergency insurance in the UK, 2017
  • Forecast gross written premiums from home emergency insurance in the UK, 2017 (table)
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