Extended Warranties and Insurance for Mobile and Non-Mobile Consumer Products in Europe
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1 Extended Warranties and Insurance for Mobile and Non-Mobile Consumer Products in Europe Series prospectus for 20 country-specific reports July 2011 Web: 1
2 Prospectus contents Page What is the research? How are the underlying products defined How do they fit into the wider series? What methodology has been used? How do organisations surveyed break down? What is the structure of the reports? What are the key features of the research? How can the research be used? How can the PartnerBASE datasets be used? Who can use the research? What are some of the sample findings? What is the cost and format? How can the research be purchased? Web: info@finaccord.com 2
3 What is the research? This series of reports about extended warranties and insurance for mobile and non-mobile consumer products in Europe is about the market for extended warranties and insurance sold in conjunction with white goods, brown goods, grey goods, mobile gadgets and mobile telephones in 20 countries: Austria, Belgium, the Czech Republic, Denmark, Finland, France, Germany, Ireland, Italy, the Netherlands, Norway, Poland, Portugal, Romania, Russia, Spain, Sweden, Switzerland, Turkey, and the UK. In total, the series draws on extensive primary and secondary research covering over 1,850 organisations involved in the production and distribution of mobile and non-mobile consumer products including manufacturers, mainstream mobile network operators, mobile virtual network operators (MVNOs), specialised retailers of consumer electronics, supermarkets and other types of retailer (namely, department stores, DIY outlets, speciality retailers and variety retailers). Hence, it provides a comprehensive overview of this activity across Europe. Web: info@finaccord.com 3
4 How are the underlying products defined? White goods are defined as major built-in and free-standing kitchen appliances including large cooking appliances, dishwashers, home laundry appliances and refrigeration appliances. Small appliances such as air treatment products, small cooking and non-cooking appliances, food preparation appliances, heating appliances, personal care appliances and vacuum cleaners are excluded. Brown goods are defined as in-home consumer electronics including non-mobile home audio and cinema products, televisions and projectors, and video players. Grey goods are defined as desktop computers and computer peripherals such as non-mobile games consoles, printers and scanners. For all three types of non-mobile consumer product, related extended warranties and insurance usually cover mechanical and / or technical breakdown only although cover for accidental damage can be incorporated in certain cases. Mobile gadgets are defined as camcorders, cameras, portable (laptop or notebook) computers and portable media players with no conventional mobile telephony facility. Mobile telephones are defined as any mobile handsets that incorporate a conventional mobile telephony facility including smartphones. Mobile gadget insurance can cover one or more of accidental damage, loss, technical breakdown and / or theft, while mobile telephone insurance can also cover airtime abuse (unauthorised usage).. Web: info@finaccord.com 4
5 How do they fit into the wider series? These country-specific studies fit into a wider series of reports published by Finaccord in July 2011 on the subject of extended warranties and insurance linked to mobile and non-mobile consumer products in Europe. The specific product and geographical coverage of these publications (using the report focused on Belgium as an example) is shown in the grid below while a full list of other titles in the series can be seen on the penultimate slide of this report prospectus. Product group AT BE CZ DK FI FR DE IE IT NL NO PL PT RO RU ES SE CH TU UK White goods Brown goods Grey goods Mobile gadgets Mobile telephones Extended Warranties and Insurance for Mobile and Non-Mobile Consumer Products in Belgium Web: info@finaccord.com 5
6 What methodology has been used? The majority of the research for this report, in addition to the associated PartnerBASE dataset, was undertaken during a 12-week period from April to June Across all 20 countries, the research extended to a total of over 1,850 organisations, breaking down by type and country as depicted in the graphics overleaf, and should account for most significant entities involved in the production and distribution of white goods, brown goods, grey goods, mobile gadgets and mobile telephones in each country. In particular, the research answers the following questions: whether extended warranties and / or related insurance are provided in association with the mobile and non-mobile consumer products manufactured or sold by these organisations; if so, whether cover includes protection in the event of accidental damage, airtime abuse, loss and / or theft in addition to mechanical / technical breakdown; if so, how through captive or internally managed schemes, through a single partner, through a broker or through relationships with multiple partners? if through external entities, the identity of the partner(s) used in each instance. Web: info@finaccord.com 6
7 How do organisations surveyed break down? Finland, 3.1% Norway, 3.1% Romania, 3.2% Russia, 3.2% Portugal, 3.3% UK, 9.3% Italy, 8.9% Network operators, 4.2% Retailers - others, 9.5% MVNOs, 3.2% Austria, 3.5% Czech Republic, 3.7% Turkey, 3.7% Germany, 7.6% Retailers - supermarkets, 6.1% Manufacturers, 48.3% Denmark, 3.8% Switzerland, 3.8% France, 7.6% Ireland, 3.9% Belgium, 4.1% Sweden, 4.8% Poland, 6.2% Spain, 6.5% Netherlands, 6.7% Retailers - consumer electronics, 28.7% Source: Finaccord Web: info@finaccord.com 7
8 What is the structure of the reports? Executive Summary: providing a concise evaluation of the principal findings of the report including an overview of the total size of the market for extended warranties and insurance related to white goods, brown goods, grey goods, mobile gadgets and mobile telephones in each country. Introduction: offering rationale, description of methodology and some definitions. White Goods: an in-depth analysis of the market for extended warranties and insurance sold with white goods including: introduction to the markets for the underlying white goods; survey results for manufacturers; survey results for retailers; analysis of risks covered by all schemes (i.e. mechanical / technical breakdown only or also accidental damage); existence of independent distribution channels; and estimates for the market size for extended warranties and insurance sold along side white goods in 2010, with forecasts to Four further chapters follow for each of brown goods, grey goods, mobile gadgets and mobile telephones, each following an identical structure to that above for white goods apart from the fact that the analysis of risks covered also includes consideration of loss and theft for mobile gadgets and telephones, and airtime abuse (unauthorised usage) for mobile telephones. Web: info@finaccord.com 8
9 What are the key features of the research? Key features of these reports include: quantification of the market size for extended warranties and insurance linked to mobile and nonmobile consumer products: how much are the markets really worth across the 20 territories considered, and how do they segment between white goods, brown goods, grey goods, mobile gadgets and mobile telephones? analysis of extended warranty underwriters and brokers that have established scheme relationships with manufacturers and retailers of white goods, brown goods, grey goods, mobile gadgets and mobile telephones, including their unweighted share of partnerships; consideration of the potential for cross-selling stand-alone extended warranty and insurance policies through independent channels that are separate from either manufacturers or retailers: does an emerging market exist for this form of distribution in each country? forecasts for the market size for extended warranties and insurance linked to mobile and nonmobile consumer products up to 2014: assuming no significant changes in the number of manufacturer and retailer schemes, what factors will cause this sector to grow or decline in the next few years? Web: 9
10 How can the research be used? You may be able to use these reports and the PartnerBASE datasets that accompany them in one or more of the following ways: appreciate the size of the opportunity in the markets for extended warranties and insurance linked to white goods, brown goods, grey goods, mobile gadgets and mobile telephones across 20 countries in Europe: in aggregate, these are substantial markets; understand how dynamic competitors in several countries are helping the sector to expand in spite of uneven progress in the underlying mobile and non-mobile consumer product markets; assess the position of national and international competitors such as ACE European Group, Actua, AmTrust International, Aon, assona, Assurant Solutions, BNP Paribas Assurance, Chartis, Corporate Support Solutions, CPP, Domestic & General, Europ Assistance, Estendo, Gras Savoye, HomeServe / SFG, Lifestyle Services Group, Marsh, Moderna Försäkringar, Mondial Assistance, NEW Asurion, Solid Försäkringar, SPB, The Warranty Group, and Wertgarantie; consider how the value of the markets for extended warranties and insurance linked to mobile and non-mobile consumer products in each country may reasonably be expected to evolve up to Web: info@finaccord.com 10
11 How can the PartnerBASE datasets be used? Datasets available for 20 countries Filter by category of distributor View operating model Organisation Country Category Product type Extended warranty or Operating model Non-captive partner(s) insurance offered? and / or captive broker Acuista.com Spain Retailer Mobile gadgets No AEG Electrolux (including Zanussi Spain Manufacturer White goods Yes Single partner Domestic & General Ahtec / Dexar Spain Retailer Grey goods Yes Internal Ahtec / Dexar Spain Retailer Mobile gadgets Yes Internal Airis Solution Center Spain Retailer Brown goods Yes Single partner Caser Look up specific distributors Source: Finaccord PartnerBASE Filter by product type Identify distributors with schemes Identify extended warranty and insurance providers Note - The PartnerBASE also classifies distributors that are retailers (as opposed to manufacturers) according to their sub-category (e.g. department store, MVNO, network operator, supermarket etc.) and their distribution model (i.e. mixed or online only). Web: info@finaccord.com 11
12 Who can use the research? 1. Extended warranty and insurance underwriters and brokers: this study is a unique guide to an under-researched yet significant and evolving market with pan-european development potential - be fully appraised of what growth in these markets could mean for your organisation; 2. Manufacturers and retailers: growth in the market for extended warranties and related insurance linked to mobile and non-mobile consumer products, allied to apparently high profit margins, presents a revenue enhancement opportunity not only for the warranty providers but also for their partner organisations; 3. Management consultancies: are you helping a an extended warranty or insurance provider to develop its business in this region, or are you advising a manufacturer or retailer with regards to how it can improve its profitability? If so, this research will provide you with important insights into the market for extended warranties and insurance linked to white goods, brown goods, grey goods, mobile gadgets and mobile telephones; 4. Administration and repair firms: a variety of other organisations can also benefit from the development of the market for extended warranties and insurance sold in conjunction with these products - this study offers a comprehensive picture of the current state of this sector. Web: info@finaccord.com 12
13 What are some of the sample findings? 1. Given that it accounts for just 0.84% of the underlying product market value (in contrast to 2.97% as a weighted average for all 20 European countries combined), there is clear potential for mobile gadget insurance to develop further in Turkey Market value Market value as a % of underlying product market value % % % % % Source: Finaccord estimate 0 Market value (EUR million) % of underlying pr oduct market value 0.0% Web: info@finaccord.com 13
14 What are some of the sample findings? (cont.) 2. Competition for partnerships with retailers in Germany for extended warranties and insurance related to grey goods is comparatively fragmented % of retailers offering scheme, and operating models used Provider share of non-captive partnerships, % 100% 80% 60% 40% 20% Captive / Internal Broker Single partner SPB Garant / AXA SPB Neckermann Versicherung ERGO Direkt Assurant Solutions assona / AXA Aon / AXA Domestic & General Wertgarantie 0% Source: Finaccord PartnerBASE Scheme offered Operating model (see legend) itonia it-insurance & service / Generali Helvetia Versicherungen (Österreich) Web: info@finaccord.com 14
15 What are some of the sample findings? (cont.) 3. The Czech Republic s market for white goods displayed reasonable growth between 2006 and 2010 in spite of problems in the wider economy Market value Market volume Market value (EUR million) 500 Market volume (millions) Source: Finaccord estimate based on multiple sources Web: info@finaccord.com 15
16 What is the cost and format? These reports about extended warranties and insurance for mobile an non-mobile consumer products in different European countries are available as standard Adobe Acrobat PDF documents and / or hard copies. The PartnerBASE datasets that accompanies them at no further charge are in Microsoft Excel format. Costs for this research set and other multi-country titles in the wider series are as follows: REPORT COST * FORMAT Extended Warranties and Insurance for Mobile and Non-Mobile Consumer Products in Austria, Belgium etc. * Extended Warranties and Insurance for Brown Goods in Europe Extended Warranties and Insurance for Grey Goods in Europe Extended Warranties and Insurance for Mobile Consumer Products in Northern, Central and Eastern Europe Extended Warranties and Insurance for Mobile Consumer Products in Southern and Western Europe Extended Warranties and Insurance for Non-Mobile Consumer Products in Northern, Central and Eastern Europe Extended Warranties and Insurance for Non-Mobile Consumer Products in Southern and Western Europe Extended Warranties and Insurance for White Goods in Europe Mobile Gadget Insurance in Europe Mobile Telephone Insurance in Europe GBP 595 GBP 1,995 GBP 1,795 GBP 2,495 GBP 2,495 GBP 2,495 GBP 2,495 GBP 1,995 GBP 2,495 GBP 2,495 c. 60 pages c. 225 pages c. 230 pages c. 310 pages c. 240 pages c. 420 pages c. 325 pages c. 225 pages c. 235 pages c. 270 pages * Titles focused on single territories are available for all 20 countries covered by this series. For UK-based clients, VAT at the prevailing rate will be added to the basic price. Costs quoted are for a single site user licence only. For a corporate user licence, please see the next slide for further details. Invoices can be paid in EUR, at the prevailing exchange rate, if preferred. Web: info@finaccord.com 16
17 How can the research be purchased? Simple. Just go to the relevant area of the Finaccord web site available at and fill in the online order form, clearly indicating: report required type of corporate user license, if required * billing name address and address purchase order number, if applicable Please allow up to one working day for the delivery of electronic copy by copy and one working week for the arrival of hard copy. * For the corporate user license please choose one of the following options: 1. One office, one country: no supplement over and above basic cost of reports ordered 2. Multiple offices, one country: additional 20% over and above basic cost of reports ordered 3. Multiple offices, two to ten countries: additional 50% over and above basic cost of reports ordered 4. Global (unlimited offices in unlimited countries): additional 100% over and above basic cost of reports ordered VAT at the prevailing rate will be added to the price of any corporate user license acquired by UK-based buyers. Web: info@finaccord.com 17
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