European Zurich Study What keeps you awake at night?
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1 European Zurich Study What keeps you awake at night? Media Relations November 6, 2012
2 Study Design The objective of this study is to get information about what people are most concerned about related to risks. This contains the following questions: What keeps you awake at night? What do you see as your biggest risk? What do you consider to be the most important insurance product? What would you insure, if you could? What makes you feel most secure? Method Omnibus survey in eight countries Universe & sample Total: n= 4,522 Switzerland: n=500 CAWI (online) individuals in German- and French-speaking part, age Portugal: n=500 CATI ad hoc (telephone) individuals in Portugal, age: 15 and older Spain: n= 475 CAPI (telephone) individuals in Spain, age: 15 and older Germany: n=543 CAWI (online) individuals in Germany, age: 14 and older Austria: n=500 CAWI (online) individuals in Austria, age: 15 and older Italy: n=500 CAPI (online) individuals in Italy, age: 14 and older UK: n=1 000 CAWI (online) individuals in UK, age: 16 and older Russia: n=504 CAWI (online) individuals in Russia, age: 18 and older Execution Interviews were conducted between September 12 until October 5,
3 Management Summary The three reasons most mentioned which keep the respondents awake at night are pressure at work/school, financial/euro crisis (containing also private financial worries) and worries about children/family. To comprehend this spread of mentions, it is very important to take a look at the actual economical and social situation of each country. Because what we see is that respondents from countries with a good economical and social health like Switzerland, Germany and Austria are more worried about their private affairs ( children, family, problems with partner, noisy neighbours, etc.) than respondents from countries with a worse economical and social health like Spain or Portugal. Although also the latter are not less affected from their social life. Furthermore, it is very interesting to see, that all respondents (independent from the country) see illness and losing a loved-one as their biggest risk. The third most mentioned risk is to be admitted into care and a car or other accident. However, all respondents agree in seeing a terrorist attack as their lowest risk. The three most mentioned insurance products are car insurance, life insurance and household insurance. It is interesting to see that Russia is the only country that has mentioned insurance for children as one of the most important insurance products. In every other country insurance for children is only in the lower midfield. If they could, most of the respondents would insure steady health for myself and my family, closely followed by financial security and peace. This is insofar interesting as all respondents said that their partner, family and friends make them feel the most secure. Overall, we also see that the social side of life is a very important part of feeling save and good but also of being kept awake at night. That shows clearly the high importance of the social life for the respondents. However, it is not only the social life that makes the respondents feeling save and good in all countries, there is also the financial part which plays a big role for the well-being. 3
4 Summary question 1: What keeps you awake at night? Switzerland [505] Portugal [500] Spain [475] Germany. [543] Austria [500] Italy [500] UK [1000] Pressure at work/school 42% 30% 19% 40% 32% 17% 26% 44% Political situation 5% 28% 28% 4% 6% 15% 4% 3% Financial/euro crisis 6% 50% 64% 10% 15% 30% 7% 2% Worries about children/ family Russia [504] 33% 47% 38% 32% 39% 42% 36% 68% Problems with partner 23% 5% 39% 25% 24% 12% 19% 44% Financial worries (e.g. household bills) Concerns about occupational future 22% 37% 34% 29% 27% 40% 45% 41% 20% 25% 8% 21% 13% 29% 24% 14% Oil/petrol prices 2% 7% 5% 7% 11% 9% 6% 1% Noisy neighbours 28% 6% 2% 14% 14% 10% 29% 33% Snoring partner 20% 1% 3% 14% 12% 8% 20% 19% Bad weather 13% 2% 5% 7% 6% 7% 13% 4% 4
5 Switzerland Question 1: Which of these is most likely to keep you awake at night? Pressure at work / school 42 Worries about children / family 33 Noisy neighbours 28 Problems with partner Financial worries (e.g. household bills) Concerns about my occupational future My snoring partner Bad weather 13 Financial / Euro crisis Political situation 6 5 Oil / Petrol prices 2 Basis: 505 people / closed question / description in % 5
6 Portugal Question 1: Which of these is most likely to keep you awake at night? Financial / Euro crisis Worries about children / family Financial worries (e.g. household bills) 37 Pressure at work / school Political situation Concerns about my occupational future Oil / Petrol prices Noisy neighbours Problems with partner Bad weather My snoring partner 2 1 Basis: 500 people / closed question / description in % 6
7 Spain Question 1: Which of these is most likely to keep you awake at night? Financial / Euro crisis 64 Problems with partner Worries about children / family Financial worries (e.g. household bills) Political situation 28 Pressure at work / school 19 Concerns about my occupational future 8 Oil / Petrol prices Bad weather My snoring partner Noisy neighbours Basis: 475 people / closed question / description in % 7
8 Germany Question 1: Which of these is most likely to keep you awake at night? Pressure at work / school 40 Worries about children / family Financial worries (e.g. household bills) Problems with partner Concerns about my occupational future Noisy neighbours My snoring partner Financial / Euro crisis Oil / Petrol prices Bad weather 7 7 Political situation 4 Basis: 543 people / closed question / description in % 8
9 Austria Question 1: Which of these is most likely to keep you awake at night? Worries about children / family 39 Pressure at work / school 32 Financial worries (e.g. household bills) Problems with partner Financial / Euro crisis Noisy neighbours Concerns about my occupational future My snoring partner Oil / Petrol prices Political situation Bad weather 6 6 Basis: 500 people / closed question / description in % 9
10 Italy Question 1: Which of these is most likely to keep you awake at night? Worries about children / family Financial worries (e.g. household bills) Financial / Euro crisis Concerns about my occupational future Pressure at work / school Political situation Problems with partner Noisy neighbours Oil / Petrol prices My snoring partner Bad weather Basis: 500 people / closed question / description in % 10
11 United Kingdom Question 1: Which of these is most likely to keep you awake at night? Financial worries (e.g. household bills) 45 Worries about children / family 36 Noisy neighbours Pressure at work / school Concerns about my occupational future My snoring partner Problems with partner Bad weather 13 Financial / Euro crisis Oil / Petrol prices Political situation Basis: 1,000 people / closed question / description in % 11
12 Russia Question 1: Which of these is most likely to keep you awake at night? Worries about children / family Pressure at work / school Problems with partner Financial worries (e.g. household bills) Noisy neighbours My snoring partner Concerns about my occupational future Bad weather Political situation Financial / Euro crisis Oil / Petrol prices Basis: 504 people / closed question / description in % 12
13 Summary question 2: What do you consider to be your biggest risk? Switzerland [505] Portugal [500] Spain [475] Germany. [543] Austria [500] Italy [500] UK [1000] Russia [504] Losing my job 27% 39% 27% 20% 22% 27% 28% 21% Car or other accident 37% 28% 23% 24% 31% 13% 27% 21% Poverty 11% 32% 29% 20% 17% 29% 25% 21% Illness 67% 66% 77% 65% 67% 64% 57% 49% Death 19% 21% 29% 24% 17% 29% 33% 34% Losing a loved-one 70% 45% 63% 67% 55% 58% 62% 53% Old-age poverty 11% 22% 12% 18% 14% 16% 20% 17% To be admitted into care 36% 19% 20% 38% 49% 34% 15% 58% Loneliness 19% 19% 16% 22% 12% 26% 26% 17% Terrorist attack 4% 10% 3% 3% 3% 5% 7% 9% 13
14 Switzerland Question 2: What do you consider to be your biggest risk? Losing a loved-one Illness Car or other accident To be admitted into care Losing my job 27 Death Loneliness Poverty Old-age poverty Terrorist attack 4 Basis: 505 people / closed question / description in % 14
15 Portugal Question 2: What do you consider to be your biggest risk? Illness 66 Loss of a loved-one 45 Losing my job 39 Poverty Car or other accident Old-age poverty Death To be admitted into care Loneliness Terrorist attack 10 Basis: 500 people / closed question / description in % 15
16 Spain Question 2: What do you consider to be your biggest risk? Illness 77 Losing a loved-one 63 Poverty Death Losing my job Car or other accident To be admitted into care Loneliness Old-age poverty Terrorist attack 3 Basis: 475 people / closed question / description in % 16
17 Germany Question 2: What do you consider to be your biggest risk? Losing a loved-one Illness To be admitted into care 38 Car or other accident Death Loneliness Losing my job Poverty Old-age poverty Terrorist attack 3 Basis: 543 people / closed question / description in % 17
18 Austria Question 2: What do you consider to be your biggest risk? Illness 67 Losing a loved-one 55 To be admitted into care 49 Car or other accident 31 Losing my job 22 Poverty Death Old-age poverty Loneliness Terrorist attack 3 Basis: 500 people / closed question / description in % 18
19 Italy Question 2: What do you consider to be your biggest risk? Illness 64 Losing a loved-one 58 To be admitted into care 34 Poverty Death Losing my job Loneliness Old-age poverty Car or other accident Terrorist attack 5 Basis: 500 people / closed question / description in % 19
20 United Kingdom Question 2: What do you consider to be your biggest risk? Losing a loved-one 62 Illness 57 Death 33 Losing my job Car or other accident Loneliness Poverty Old-age poverty 20 To be admitted into care 15 Terrorist attack 7 Basis: 1,000 people / closed question / description in % 20
21 Russia Question 2: What do you consider to be your biggest risk? To be admitted into care 58 Losing a loved-one Illness Death 34 Losing my job Car or other accident Poverty Old-age poverty Loneliness Terrorist attack 9 Basis: 504 people / closed question / description in % 21
22 Summary question 3: Most important insurance products Switzerland [505] Portugal [500] Spain [475] Germany [543] Austria [500] Italy [500] UK [1000] Russia [504] Life insurance 20% 76% 70% 33% 38% 66% 54% 62% Car insurance 40% 56% 58% 35% 63% 45% 76% 43% Liability insurance 73% 22% 15% 76% 21% 18% 8% 10% Household insurance 39% 56% 71% 43% 70% 35% 83% 38% Accident insurance 71% 31% 30% 40% 46% 53% 18% 36% Occupational disablement insurance 27% 37% 23% 29% 15% 30% 7% 31% Legal insurance 12% 3% 6% 22% 26% 8% 8% 2% Travel insurance 4% 5% 6% 4% 4% 5% 35% 15% Insurance for children 15% 13% 23% 17% 11% 36% 9% 62% Leisure time insurance 0% 1% 1% 1% 0% 4% 2% 2% 22
23 Switzerland Question 3: What do you consider to be the three most important insurance products? Liability insurance Accident insurance Car insurance Household insurance Occupational disablement insurance 27 Life insurance Insurance for my children Legal insurance Travel insurance 4 Leisure time insurance 0 Basis: 505 people / closed question / description in % 23
24 Portugal Question 3: What do you consider to be the three most important insurance products? Life insurance 76 Car insurance 56 Household insurance 56 Occupational disablement insurance 37 Accident insurance 31 Liability insurance 22 Insurance for my children 13 Travel insurance 5 Legal insurance 3 Leisure time insurance 1 Basis: 500 people / closed question / description in % 24
25 Spain Question 3: What do you consider to be the three most important insurance products? Household insurance Life insurance Car insurance 58 Accident insurance 30 Occupational disablement insurance Insurance for my children Liability insurance 15 Legal insurance Travel insurance 6 6 Leisure time insurance 1 Basis: 475 people / closed question / description in % 25
26 Germany Question 3: What do you consider to be the three most important insurance products? Liability insurance 76 Household insurance Accident insurance Car insurance Life insurance Occupational disablement insurance Legal insurance 22 Insurance for my children 17 Travel insurance 4 Leisure time insurance 1 Basis: 543 people / closed question / description in % 26
27 Austria Question 3: What do you consider to be the three most important insurance products? Household insurance 70 Car insurance 63 Accident insurance 46 Life insurance 38 Legal insurance 26 Liability insurance 21 Occupational disablement insurance Insurance for my children Travel insurance 4 Leisure time insurance 0 Basis: 500 people / closed question / description in % 27
28 Italy Question 3: What do you consider to be the three most important insurance products? Life insurance 66 Accident insurance 53 Car insurance 45 Insurance for my children Household insurance Occupational disablement insurance 30 Liability insurance 18 Legal insurance 8 Travel insurance Leisure time insurance 5 4 Basis: 500 people / closed question / description in % 28
29 United Kingdom Question 3: What do you consider to be the three most important insurance products? Household insurance 83 Car insurance 76 Life insurance 54 Travel insurance 35 Accident insurance 18 Insurance for my children Liability insurance Legal insurance Occupational disablement insurance Leisure time insurance 2 Basis: 1,000 people / closed question / description in % 29
30 Russia Question 3: What do you consider to be the three most important insurance products? Life insurance Insurance for my children Car insurance 43 Household insurance Accident insurance Occupational disablement insurance 31 Travel insurance 15 Liability insurance 10 Legal insurance Leisure time insurance 2 2 Basis: 504 people / closed question / description in % 30
31 Summary question 4: What would you like to insure? Switzerland [505] Portugal [500] Spain [475] Germany [543] Austria [500] Italy [500] UK [1000] Russia [504] Love 28% 19% 26% 27% 23% 25% 28% 26% Steady health for myself and my family 80% 85% 90% 79% 85% 79% 63% 88% Job guarantee 24% 32% 48% 24% 30% 47% 22% 39% Financial security 49% 40% 41% 63% 61% 58% 52% 58% Nice weather 5% 1% 3% 5% 3% 3% 10% 4% Peace 44% 26% 34% 38% 48% 27% 25% 29% Memories 8% 1% 9% 8% 5% 6% 15% 3% Happiness 16% 9% 10% 14% 11% 13% 46% 11% Everlasting youth 8% 3% 9% 13% 8% 12% 12% 25% Untroubled sleep 11% 17% 13% 10% 12% 11% 11% 10% 31
32 Switzerland Question 4: What would you insure if it was possible? Steady health for myself and my family 80 Financial security 49 Peace 44 Love Job guarantee Happiness 16 Untroubled sleep 11 Memories Everlasting youth 8 8 Nice weather 5 Basis: 505 people / closed question / description in % 32
33 Portugal Question 4: What would you insure if it was possible? Steady health for myself and my family 85 Financial security 40 Job guarantee 32 Peace 26 Love Untroubled sleep Happiness 9 Everlasting youth Nice weather Memories Basis: 500 people / closed question / description in % 33
34 Spain Question 4: What would you insure if it was possible? Steady health for myself and my family 90 Job guarantee 48 Financial security 41 Peace 34 Love 26 Untroubled sleep Happiness Memories Everlasting youth Nice weather 3 Basis: 475 people / closed question / description in % 34
35 Germany Question 4: What would you insure if it was possible? Steady health for myself and my family 79 Financial security 63 Peace 38 Love Job guarantee Happiness Everlasting youth Untroubled sleep Memories Nice weather 5 Basis: 543 people / closed question / description in % 35
36 Austria Question 4: What would you insure if it was possible? Steady health for myself and my family 85 Financial security 61 Peace 48 Job guarantee 30 Love 23 Untroubled sleep Happiness Everlasting youth 8 Memories Nice weather 3 5 Basis: 500 people / closed question / description in % 36
37 Italy Question 4: What would you insure if it was possible? Steady health for myself and my family 79 Financial security 58 Job guarantee 47 Peace Love Happiness Everlasting youth Untroubled sleep Memories 6 Nice weather 3 Basis: 500 people / closed question / description in % 37
38 United Kingdom Question 4: What would you insure if it was possible? Steady health for myself and my family 63 Financial security 52 Happiness 46 Love Peace Job guarantee Memories Everlasting youth Untroubled sleep Nice weather Basis: 1,000 people / closed question / description in % 38
39 Russia Question 4: What would you insure if it was possible? Steady health for myself and my family 88 Financial security 58 Job guarantee 39 Peace Love Everlasting youth Happiness Untroubled sleep Nice weather Memories 4 3 Basis: 504 people / closed question / description in % 39
40 Summary question 5 Safety Politics / political system (e.g. the Government) Switzerland [505] Portugal [500] Spain [475] Germany. [543] Austria [500] Italy [500] UK [1000] Russia [504] 20% 3% 2% 9% 10% 3% 4% 12% Employer / job 34% 24% 44% 25% 24% 18% 25% 44% Partner / family 86% 86% 92% 87% 87% 80% 82% 79% Friends 56% 43% 57% 63% 55% 44% 58% 47% Religion 12% 11% 12% 20% 13% 19% 16% 15% My insurance / my provision 19% 5% 6% 19% 31% 24% 15% 15% My doctor 12% 20% 22% 11% 23% 19% 14% 5% Police 7% 13% 9% 10% 9% 20% 17% 5% Alarm system 3% 5% 2% 3% 4% 5% 11% 10% Weapons 4% 2% 2% 3% 5% 2% 4% 24% 40
41 Switzerland Question 5: Who / What makes you feel most secure? Partner / family 86 Friends 56 Employer / job 34 Politics / political system (e.g. the Government) My insurance / my provision Religion My doctor Police 7 Weapons Alarm system 4 3 Basis: 505 people / closed question / description in % 41
42 Portugal Question 5: Who / What makes you feel most secure? Partner / family 86 Friends 43 Employer / job My doctor Police Religion My insurance / my provision Alarm system Politics / political system (e.g. the Government) Weapons Basis: 500 people / closed question / description in % 42
43 Spain Question 5: Who / What makes you feel most secure? Partner / family 92 Friends 57 Employer / job 44 My doctor 22 Religion 12 Police 9 My insurance / my provision Politics / political system (e.g. the Government) Alarm system Weapons Basis: 475 people / closed question / description in % 43
44 Germany Question 5: Who / What makes you feel most secure? Partner / family 87 Friends 63 Employer / job 25 Religion My insurance / my provision My doctor Police Politics / political system (e.g. the Government) Alarm system Weapons 3 3 Basis: 543 people / closed question / description in % 44
45 Austria Question 5: Who / What makes you feel most secure? Partner / family 87 Friends 55 My insurance / my provision 31 Employer / job My doctor Religion Politics / political system (e.g. the Government) Police Weapons Alarm system 5 4 Basis: 500 people / closed question / description in % 45
46 Italy Question 5: Who / What makes you feel most secure? Partner / family 80 Friends 44 My insurance / my provision Police Religion My doctor Employer / job Alarm system Politics / political system (e.g. the Government) Weapons Basis: 500 people / closed question / description in % 46
47 United Kingdom Question 5: Who / What makes you feel most secure? Partner/family 82 Friends 58 Employer / job 25 Police Religion My insurance / my provision My doctor Alarm system Politics / political system (e.g. the Government) Weapons Basis: 1,000 people / closed question / description in % 47
48 Russia Question 5: Who / What makes you feel most secure? Partner / family 79 Friends Employer / job Weapons 24 Religion My insurance / my provision Politics / political system (e.g. the Government) Alarm system My doctor Police 5 5 Basis: 504 people / closed question / description in % 48
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