Reportlinker Adds Home Emergency Insurance and Assistance in Europe

NEW YORK, Oct. 14 /PRNewswire/ -- Reportlinker.com announces that a new market research report is available in its catalogue:

Home Emergency Insurance and Assistance in Europe

http://www.reportlinker.com/p0313373/Home-Emergency-Insurance-and-Assistance-in-Europe.html

Home Emergency Insurance and Assistance in Europe is a report and associated PartnerBASE™ database about the market for this specialized type of cover in ten countries in Europe: Belgium, France, Germany, Italy, the Netherlands, Poland, Portugal, Spain, Sweden, and the UK. In essence, the term 'home emergency insurance and assistance' encompasses policies that are sold on a stand-alone basis, or bundled with household insurance, banking products or utility services, 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. Moreover, in several European markets, other types of cover are sometimes included within home emergency policies, most notably key or lock emergency insurance. In some cases, policies may also extend to other services such as emergency accommodation, child care, pet care or even psychological assistance following an emergency. A number of factors combine to form a firm rationale for a report and database about home emergency insurance and assistance in Europe. First and foremost, this is the first ever focused publication on the subject on a pan-European basis. This is curious given the facts that the market is estimated by Finaccord to be worth as much as EUR 2.65 billion across ten European countries in 2010 and that it is growing rapidly in some countries. Moreover, home emergency cover potentially represents a development opportunity for a variety of different distributors and providers. Over and above dedicated assistance firms that may specialize exclusively or in part in the field of home assistance, insurance companies can also develop home emergency insurance and assistance propositions that they can combine within their regular household insurance, sell on a stand-alone basis or distribute through other organizations. In addition, as distributors and sometimes as service providers, energy and water firms can also enhance their core revenues through cross-selling home emergency cover. You may be able to use this report and the PartnerBASE that accompanies it in one or more of the following ways: appreciate the size of the opportunity in the market for home emergency insurance and assistance in Europe: in aggregate, this is a substantial market; understand how dynamic competitors are helping the sector to grow at a rate well in excess of the underlying markets for utilities services and household insurance in a number of countries; assess the position of significant national and international competitors such as almeda, Asitur, AXA Assistance, Europ Assistance, Fidelia Assistance, HomeServe, Inter Mutuelles Assistance, Mapfre Asistencia, Mondial Assistance, Multiasistencia, Roland Schutzbrief-Versicherung, SPB and The Warranty Group; the UK accounted for almost two thirds of the EUR 2.65 billion market value in 2010: hence understanding the exact dynamics of the market for home emergency insurance and assistance in this country, and how and why consumers buy it, will provide indicators for how the market may develop elsewhere in Europe in future.

TABLE OF CONTENTS

0.0 EXECUTIVE SUMMARY ....... 2

The UK is by far the largest market in Europe followed by France and Spain .. 2

Housing stock characteristics are important market drivers .... 2

French energy companies are frequently involved in the marketing of home emergency cover 3

The distribution of home emergency cover through water firms is most common in the UK ...... 3

The bundling of home emergency cover with household insurance is universal in Sweden ...... 3

Various operating models are used for selling home emergency insurance and assistance ..... 4

AXA Assistance, Europ Assistance, HomeServe and Mondial Assistance are market leaders . 4

Finaccord anticipates continuing growth across Europe between 2010 and 2014... . 4

... albeit there are significant structural or regulatory obstacles in some countries .... 5

Sizeable utilities across Europe may be motivated by the success of Centrica in the UK . 5

1.0 INTRODUCTION . 7

Rationale . 7

Home emergency insurance and assistance offers growth potential in several countries… ...... 7

… which can potentially benefit a variety of different types of competitor 7

Residential services generated almost 23% of Centrica's downstream UK operating profit in 2009 .. 7

Finaccord 7

PartnerBASE™ ........ 9

Methodology .... 9

The survey extends to all significant energy and water firms as well as household insurers ...... 9

Home emergency insurance and assistance can be sold in a variety of different formulae… .. 11

… with some policies covering non-urgent problems and others limited to 'real' emergencies 11

Sometimes, policies provide for insurance but no assistance or vice versa ... 11

2.0 EUROPEAN OVERVIEW .... 13

Introduction ... 13

Housing stock data 14

Germany plays host to the highest number of occupied dwellings... ...... 14

... albeit the number of houses, as opposed to flats, is highest in the UK... .... 15

... and the number of owner-occupied properties is highest in France, Spain and Italy ... 16

Provision of home emergency cover by energy companies .. 17

French energy companies are most likely to offer some form of home assistance cover… ..... 17

…while the marketing of comprehensive policies by energy companies is most common in Italy .... 18

Provision of home emergency cover by water companies ..... 19

Water companies in the UK are most likely to offer home emergency cover… ....... 19

... although it is relatively rare for water firms to offer cover related to gas or electricity ... 20

Provision of home emergency cover by household insurers . 21

Insurers in Belgium, Italy and Sweden commonly offer home emergency cover .... 21

Spanish insurers are most likely to embed plumbing-related assistance within household insurance ..

....... 22

Operating models and partnerships ....... 23

Energy companies rarely work with more than one provider for home emergency cover ........ 23

The great majority of water companies collaborate with a single external partner .. 25

In five out of the ten countries household insurers prefer to work with captive assistance providers 27

Four product providers account for almost one half of all partnerships .. 29

Market size ..... 30

The UK is by far the largest market for home emergency cover in terms of its overall value ... 30

Assistance cover related to gas problems accounts for most of the UK market… .. 31

…while comprehensive stand-alone policies and bundled cover are most common in Belgium ...... 32

Spain is likely to be larger than France in terms of the number of policies in force . 34

… with Portugal and Sweden occupying fourth and fifth positions, respectively ..... 35

The market split by policy type varies substantially from country to country across Europe ..... 36

Market growth rates ........ 38

Home emergency insurance and assistance market has experienced years of fast expansion… ... 38

Market forecast ...... 39

… and is likely to continue growing rapidly up to 2014 in a majority of countries investigated . 39

3.0 BELGIUM . 41

Dwelling stock data 41

Occupied and vacant dwellings . 41

Houses and flats ...... 42

Owner occupied, privately rented and social housing .. 43

Energy companies . 44

Market structure, regulation and principal competitors . 44

Since 2006, Belgian consumers have been able to choose their electricity providers ..... 44

Involvement in home emergency insurance and assistance 45

Two of the largest Belgian energy firms have introduced a home emergency product.... 45

Water companies ... 47

Market structure, regulation and principal competitors . 47

Involvement in home emergency insurance and assistance 47

Belgian water companies are not active as distribution partners for home emergency cover .. 47

Household insurers 48

Market structure, regulation and principal competitors . 48

Penetration of property insurance among homeowners is almost universal in Belgium .. 48

Four major household insurers in Belgium possess their own assistance companies ..... 48

Involvement in home emergency insurance and assistance 49

A majority of major household insurers in Belgium sell home emergency cover to customers 49

Most insurers prefer to collaborate with a single external assistance provider… .... 50

…with Mondial Assistance accounting for the highest number of partnerships ....... 50

Other distribution channels .... 52

Packaging with payment cards and bank accounts ..... 52

Belgian banks do not package home assistance with any of their credit cards or bank accounts .... 52

Alternative distribution channels 52

Some assistance providers in Belgium sell home emergency cover directly to consumers ..... 52

VAB offers a product which combines maintenance and emergency assistance services ...... 52

Market size, growth and forecast .... 53

Policies bundled with household insurance account for more than 50% of the market value… ........ 53

… while the number stand-alone policies is boosted by Electrabel's involvement in the market ...... 53

Both the stand-alone segment and bundled policies can be expected to grow further .... 53

4.0 FRANCE ... 57

Dwelling stock data 57

Occupied and vacant dwellings . 57

Houses and flats ...... 58

Owner occupied, privately rented and social housing .. 59

Energy companies . 60

Market structure, regulation and principal competitors . 60

The dominance of GDF remains largely intact in the French gas supply market… 60

…and much the same can be said of EDF in the electricity sector ........ 60

Involvement in home emergency insurance and assistance 61

Seven French energy utilities offer some form of home emergency insurance or assistance… ....... 61

…with Direct Energie, Poweo and Vialis focusing on gas-related and electrical cover only ..... 62

EDF collaborates with two assistance providers for cover related to electrical and plumbing

problems 62

Gaz de France Dolcevita does not market home assistance directly to customers 62

Water companies ... 64

Market structure, regulation and principal competitors . 64

The private sector is highly involved in the distribution of water to households in France ........ 64

Involvement in home emergency insurance and assistance 65

The largest French water firms are involved in the marketing of home emergency cover ........ 65

Lyonnaise des Eaux allows its customers to choose between different assistance options ..... 66

Two further water utilities will launch assistance products in the near future .. 66

Domeo has seen rapid growth in the number of households served… . 66

… with its number of policies in force reaching 1.93 million in March 2010 .... 66

Household insurers 68

Market structure, regulation and principal competitors . 68

It is compulsory for tenants and common among homeowners to take out household insurance .... 68

Several major insurance groups in France have their own assistance subsidiaries ........ 68

Involvement in home emergency insurance and assistance 69

More than a half of household insurers offer a comprehensive home assistance service… .... 69

… although many only provide this assistance in the event of an emergency ........ 70

There is no predominant operating model for marketing home emergency cover in France ... 70

Mondial Assistance emerges as the assistance provider with the highest number of partners 70

Other distribution channels .... 72

Packaging with payment cards and bank accounts ..... 72

Home assistance is currently not packaged with any banking products in France.. 72

Alternative distribution channels 72

Gas-related home assistance is sometimes packaged with gas service contracts in France .. 72

Proxitherm has several partnerships with appliance manufacturers and service companies ... 72

Home emergency cover is also sold directly as a part of wider assistance packages ..... 72

Market size, growth and forecast .... 74

Plumbing-related cover accounts for more than 33% of the market value… .. 74

… while in terms of the number of policies, gas-related policies are ranked second ....... 75

Electrical emergency and breakdown policies are predicted to outperform the market average ...... 76

5.0 GERMANY ........ 78

Dwelling stock data 78

Occupied and vacant dwellings . 78

Houses and flats ...... 79

Owner occupied, privately rented and social housing .. 80

Energy companies . 81

Market structure, regulation and principal competitors . 81

The largest four energy companies account for about 80% of the electricity market ....... 81

German consumers are slowly becoming aware of their choice among different gas providers ....... 81

Involvement in home emergency insurance and assistance 82

Four energy firms marketing home emergency insurance offer a comprehensive product… .. 82

... while the remainder focus on marketing disaggregated policies ........ 83

The market for home emergency cover in bigger cities may be difficult to penetrate ....... 83

Water companies ... 85

Market structure, regulation and principal competitors . 85

Fully privatized water utilities are relatively rare in Germany as mixed ownership structures prevail ....

....... 85

Involvement in home emergency insurance and assistance 86

Water companies play a smaller role than energy firms in selling home emergency cover... ... 86

...although AXA Assistance has secured partnerships with several multi-service utilities 87

Household insurers 88

Market structure, regulation and principal competitors . 88

Flood cover is often excluded from standard household insurance in Germany ..... 88

There were 27.6 million home contents policies in force in 2008 .. 88

Four major insurance groups in Germany own captive assistance companies ....... 88

Involvement in home emergency insurance and assistance 89

More than a third of household insurers offer home emergency cover... ........ 89

... which is provided in a comprehensive format in all but one case... .... 89

... and which is often enriched with the provision of extra services 89

Most bundled home emergency products are provided on a captive basis... . 90

... either through a dedicated assistance firm or through local service providers... .. 91

... with the duo of Allianz and Mondial Assistance identifiable as the market leader ........ 91

The cheapest policies start from EUR 20 per year when packaged with household insurance ........ 91

Other distribution channels .... 93

Packaging with payment cards and bank accounts ..... 93

Hardly any payment cards or bank accounts in Germany include home assistance cover… .. 93

Alternative distribution channels 93

… and alternative distribution channels remain entirely undeveloped ... 93

Market size, growth and forecast .... 94

The overall size of the German market is relatively small in comparison to other countries… . 94

… and it is mainly driven by gas-related cover and policies bundled with household insurance ....... 95

Cover integrated into household insurance can be expected to achieve the highest growth… ........ 96

… although growth overall may be constrained by regulations on tele-marketing .. 97

6.0 ITALY ........ 99

Dwelling stock data 99

Occupied and vacant dwellings . 99

Houses and flats ... 100

Owner occupied, privately rented and social housing ........ 101

Energy companies ....... 102

Market structure, regulation and principal competitors ....... 102

New competitors still struggle to challenge Enel for market share in the electricity market ... 102

Six years after the opening of the gas market under 5% of households had switched provider .... 102

Involvement in home emergency insurance and assistance ...... 103

Energy brands belonging to A2A are pioneers in the market for home emergency cover ..... 103

Water companies . 105

Market structure, regulation and principal competitors ....... 105

The involvement of private sector companies in the water market is very rare in the south of Italy ......

.... 105

Involvement in home emergency insurance and assistance ...... 105

Italian water companies have yet to try marketing home emergency cover 105

Household insurers ...... 106

Market structure, regulation and principal competitors ....... 106

Household insurance is not as widely held in Italy as in most other Western European countries 106

Involvement in home emergency insurance and assistance ...... 107

About three in four Italian household insurers offer home emergency insurance and assistance… .....

.... 107

…the majority of which work with a single external assistance provider ...... 108

Europ Assistance has the largest number of external and captive partnerships .. 108

Other distribution channels . 110

Packaging with payment cards and bank accounts .. 110

A relatively large number of Italian banking products carry home emergency insurance ...... 110

Alternative distribution channels ...... 112

Both Europ Assistance and Mondial Assistance sell home emergency cover directly to customers ....

.... 112

Market size, growth and forecast . 113

In terms of premium income, stand-alone cover represents the largest share of the market… ..... 113

… whereas more than 50% of policies in force are bundled with household insurance ........ 114

The Italian market shows strong potential for utility-intermediated stand-alone emergency cover . 115

7.0 NETHERLANDS ...... 117

Dwelling stock data ...... 117

Occupied and vacant dwellings ....... 117

Houses and flats ... 118

Owner occupied, privately rented and social housing ........ 119

Energy companies ....... 120

Market structure, regulation and principal competitors ....... 120

Competition in the Dutch electricity market is comparatively strong with high switching rates ....... 120

Essent and Nuon were both acquired by foreign owners during 2009 120

Involvement in home emergency insurance and assistance ...... 121

One major utility makes comprehensive home emergency cover available for EUR 132 a year ... 121

Water companies . 123

Market structure, regulation and principal competitors ....... 123

The water market in the Netherlands is closed to private sector providers .. 123

Involvement in home emergency insurance and assistance ...... 124

One water company makes home emergency assistance available on a captive basis ....... 124

Household insurers ...... 125

Market structure, regulation and principal competitors ....... 126

The penetration rate of household insurance in the Netherlands is comparatively high… .... 126

...while the assistance market is structured differently relative to other European countries . 126

Involvement in home emergency insurance and assistance ...... 127

Home emergency cover is not yet particularly widespread as a bundled product... ...... 127

... and where offered is always organized on a captive basis ..... 128

Other distribution channels . 129

Packaging with payment cards and bank accounts .. 129

Banks have not yet started to package home assistance with credit cards and bank accounts .... 129

Alternative distribution channels ...... 129

Assistance providers in the Netherlands are reluctant to sell home emergency cover directly ...... 129

Market size, growth and forecast . 130

The Dutch market for home emergency insurance and assistance is relatively limited in size… ... 130

… mainly as a result of the low rate of involvement of energy and water companies ... 131

Utility-intermediated emergency cover can be expected to become more widespread by 2014 .... 132

8.0 POLAND 134

Dwelling stock data ...... 134

Occupied and vacant dwellings ....... 134

Houses and flats ... 135

Owner occupied, privately rented and social housing ........ 136

Energy companies ....... 137

Market structure, regulation and principal competitors ....... 137

The Polish electricity and gas markets have been slow to introduce competition 137

Involvement in home emergency insurance and assistance ...... 137

Energy companies have not yet entered the market for home emergency policies ...... 137

Water companies . 138

Market structure, regulation and principal competitors ....... 138

Water companies in Poland are usually owned by municipal governments 138

Involvement in home emergency insurance and assistance ...... 138

Home emergency insurance products are currently not sold through water companies ....... 138

Household insurers ...... 139

Market structure, regulation and principal competitors ....... 139

Household insurance is less widely held in Poland than in most other European countries .. 139

Involvement in home emergency insurance and assistance ...... 139

Most household insurance underwriters include home emergency cover in their policies ..... 139

Poland's largest insurer resumed offering home emergency insurance in 2010 .. 139

Polish insurers usually do not offer home emergency cover as a stand-alone product 140

Compensa commenced a new partnership with Europ Assistance in 2009 140

Other distribution channels . 142

Packaging with payment cards and bank accounts .. 142

Home emergency cover is commonly packaged with banking products in Poland... .... 142

Alternative distribution channels ...... 145

… and banks are also exploring other ways of marketing the product 145

Market size, growth and forecast . 146

Poland has the smallest market value among the ten countries covered .... 146

… although not in terms of the number of policies in force 146

The market will probably continue to be focused largely on bundled cover . 148

9.0 PORTUGAL ... 150

Dwelling stock data ...... 150

Occupied and vacant dwellings ....... 150

Houses and flats ... 151

Owner occupied, privately rented and social housing ........ 152

Energy companies ....... 153

Market structure, regulation and principal competitors ....... 153

Portugal has one of Europe's least diversified electricity markets… ... 153

…while natural gas distribution is restricted primarily to urban areas .. 153

Involvement in home emergency insurance and assistance ...... 154

Portuguese households can obtain home assistance through their electricity provider 154

Water companies . 156

Market structure, regulation and principal competitors ....... 156

The provision of water is organized through public entities 156

Involvement in home emergency insurance and assistance ...... 157

Only one water company in Portugal is offering plumbing-related assistance ...... 157

Household insurers ...... 159

Market structure, regulation and principal competitors ....... 159

Close to two out of three homes in Portugal are estimated to be insured .... 159

Involvement in home emergency insurance and assistance ...... 160

Only a minority of Portuguese insurers both organise assistance services and pay for them... ..... 160

...while a larger number provide a more basic assistance service that has no insurance element 161

Other distribution channels . 162

Packaging with payment cards and bank accounts .. 162

Many credit cards carry home assistance information services without covering repair costs ....... 162

Alternative distribution channels ...... 162

One major assistance provider in Portugal sells home assistance directly to customers ...... 162

Market size, growth and forecast . 163

The Portuguese market is driven by home emergency cover distributed by utilities… . 163

…while the number of policies bundled with household insurance remains relatively small . 164

The Portuguese home emergency sector leaves limited scope for new entrants to the market .... 165

10.0 SPAIN .. 167

Dwelling stock data ...... 167

Occupied and vacant dwellings ....... 167

Houses and flats ... 168

Owner occupied, privately rented and social housing ........ 169

Energy companies ....... 170

Market structure, regulation and principal competitors ....... 170

Endesa and Iberdrola together account for about 70% of the electricity market in Spain ...... 170

The Spanish gas market is relatively small and still characterized by low switching rates ..... 170

Involvement in home emergency insurance and assistance ...... 171

Two of Spain's largest energy firms provide a comprehensive home emergency product .... 171

Endesa collaborates with Reparalia for its home assistance proposition ..... 172

Water companies . 174

Market structure, regulation and principal competitors ....... 174

Agbar serves about 20 million consumers across more than 1,000 locations ...... 174

Involvement in home emergency insurance and assistance ...... 174

Sales of home emergency cover through water companies are starting up 174

Household insurers ...... 175

Market structure, regulation and principal competitors ....... 175

Household insurance in Spain has grown rapidly in value and volume in recent years 175

Some of the largest household insurers make use of captive assistance providers ..... 175

Revenues at the joint venture co-owned by Liberty Seguros and RACC grew by 45.5% in 2009 . 175

Involvement in home emergency insurance and assistance ...... 176

A high proportion of household insurers offer home emergency cover for electrical breakdowns . 176

Nine Spanish insurers provide home emergency insurance through a joint venture entity... 176

...while some of the largest insurers rely on a captive assistance company 178

Other distribution channels . 179

Packaging with payment cards and bank accounts .. 179

Several banking products in Spain carry packaged home assistance services ... 179

Alternative distribution channels ...... 179

Reparalia offers home emergency policies directly to its customers and also sells through brokers ....

.... 179

Market size, growth and forecast . 180

The largest segment in the Spanish market for home emergency insurance is bundled cover… . 180

…while the total number of policies is higher than in almost any other market .... 181

The market for plumbing-related assistance can be expected to grow quickly over the next few

years ... 182

11.0 SWEDEN ...... 184

Dwelling stock data ...... 185

Occupied and vacant dwellings ....... 184

Houses and flats ... 185

Owner occupied, privately rented and social housing ........ 186

Energy companies ....... 187

Market structure, regulation and principal competitors ....... 187

Consumers in Sweden switch their electricity provider with a fairly high rate of frequency… 187

…while E.ON Sverige dominates the tiny Swedish gas market . 187

Involvement in home emergency insurance and assistance ...... 187

There are few incentives for Swedish energy firms to sell home emergency cover ...... 187

Water companies . 188

Market structure, regulation and principal competitors ....... 188

There are more than 2,000 water providers serving local authorities in Sweden… ...... 188

Involvement in home emergency insurance and assistance ...... 188

… although none of these are active in marketing home emergency cover 188

Household insurers ...... 189

Market structure, regulation and principal competitors ....... 189

All homeowners in Sweden are required to take out buildings insurance .... 189

Folksam and Lansforsakringar account for the bulk of the household insurance market ...... 189

Involvement in home emergency insurance and assistance ...... 190

Household insurance normally includes home emergency insurance without assistance... .. 190

…which means that there is limited scope for the involvement of external providers ... 191

Other distribution channels . 192

Packaging with payment cards and bank accounts .. 192

Alternative distribution channels ...... 192

Market size, growth and forecast . 193

Sweden has a large market for bundled home emergency cover… ... 193

…while there is no space for stand-alone policies ..... 194

Growth in the market for home emergency insurance in Sweden is expected to be steady . 195

12.0 UNITED KINGDOM ........ 197

Dwelling stock data ...... 197

Occupied and vacant dwellings ....... 197

Houses and flats ... 198

Owner occupied, privately rented and social housing ........ 199

Energy companies ....... 200

Market structure, regulation and principal competitors ....... 200

Since 1999, UK retail customers have been free to choose their electricity suppliers .. 200

The six largest competitors dominate both the electricity and the gas market ...... 200

Involvement in home emergency insurance and assistance ...... 201

The larger energy firms are invariably active in home emergency insurance and assistance… .... 201

… using a mix of single partner and captive operating models .. 202

Water companies . 203

Market structure, regulation and principal competitors ....... 203

In England and Wales water companies are privately owned .... 203

Involvement in home emergency insurance and assistance ...... 204

Several major water companies offer all forms of home emergency insurance and assistance .... 204

HomeServe and Inter Partner Assistance are the dominant partners in this sector… .. 205

… with HomeServe having been owned originally by South Staffordshire Water 206

Household insurers ...... 207

Market structure, regulation and principal competitors ....... 207

UK consumers usually take out integrated home contents and buildings insurance policies 207

Involvement in home emergency insurance and assistance ...... 208

Ten out of 34 underwriters did not offer home emergency cover at the time of the research 208

The operating models and partners used by household insurance brands are more diverse ........ 209

Other distribution channels . 211

Packaging with payment cards and bank accounts .. 211

It is increasingly common for home emergency cover to be packaged with added value accounts .....

.... 211

Alternative distribution channels ...... 212

There are around a dozen challengers to the established incumbents in this market… ........ 212

… dividing between multi-line competitors and more focused providers ..... 213

Assurant Solutions: home emergency cover is embedded within the Protect your bubble brand .. 213

Business & Domestic and Principal Marketing and Insurance Services are both niche brokers .... 213

Progress Plus: home emergency cover is one of several forms of assistance offered . 213

Consumer research ...... 214

Finaccord's Assistance Metrics and Channel Metrics studies yield further UK-specific insights .... 214

Forms of home emergency insurance and assistance register encouragingly high utility ratings .. 215

Gas-related, plumbing-related and electrical problems occur with quite similar rates of frequency ......

.... 217

Gas-related cover is most likely to have been acquired on a stand-alone basis .. 219

Cover packaged in added value accounts and household insurance is sometimes overlooked .... 219

A high percentage of consumers continue to pay for assistance only when they need it ...... 219

The annual switching rate recorded for 2009 is almost identical to that for 2005 . 221

Patterns in interface usage are driven by different home emergency insurance formulae .... 222

Most sales of home emergency insurance occur on an intermediated basis ....... 225

The share of sales of electricity, gas and water companies is clearly under intense pressure ....... 228

Market size, growth and forecast . 231

Gas-related policies account for more than 50% of the total UK market value… . 231

… although only slightly more than 40% of total stand-alone and bundled policies in force .. 232

Electrical emergency and breakdown policies are predicted to outgrow the market average ........ 233

HomeServe enjoys an annual retention rate of 83% among its policyholders… .. 234

… and is keen to convert more of its 'jobs' customers to prepaid insurance customers ........ 234

British Gas is growing its book of customers with plumbing-related and electrical policies.... 234

GRAPHICS / TABLES

Organizations covered by the research segmented by type and by country 10

Number of occupied dwellings in Europe split by country, 2010 14

Number of total dwellings split between houses and flats and by country, 2010 15

Number of occupied dwellings split between split between owner occupation, private rental and social housing and by country, 2010 16

% of energy companies offering any form of home emergency insurance and assistance by country, 2010 17

% of energy companies offering home emergency insurance and assistance by type and country, 2010 (data) 18

% of water companies offering any form of home emergency insurance and assistance by country, 2010 19

% of water companies offering home emergency insurance and assistance by type and country, 2010 (data) 20

% of household insurers offering any form of home emergency insurance and assistance by country, 2010 21

% of household insurers offering home emergency insurance and assistance by type and country, 2010 22

% split of operating models used by energy companies for the provision of home emergency cover, 2010 23

% split of operating models used by energy companies for the provision of home emergency cover, 2010 (data) 24

% split of operating models used by water companies for the provision of home emergency cover, 2010 25

% split of operating models used by water companies for the provision of home emergency cover, 2010 (data) 26

% split of operating models used by household insurers for provision of home emergency cover, 2010 27

% split of operating models used by household insurers for provision of home emergency cover, 2010 (data) 28

Overview of competitor share of partnerships in Europe for home emergency insurance and assistance, 2010 29

Estimated size of the market for home emergency insurance and assistance in Europe by gross written premiums

and other revenues split by country, 2010 30

Estimated value of the market for home emergency insurance and assistance in Europe split by type and by

country, 2010 31

Estimated value of the market for home emergency insurance and assistance in Europe split by type and by

country, 2010 (%) 32

Estimated value of the market for home emergency insurance and assistance in Europe split by type and by

country, 2010 (data) 33

Estimated size of the market for home emergency insurance and assistance in Europe by policies in force split by

country, 2010 34

Estimated size of the market for home emergency insurance and assistance in Europe by policies in force split by

type and by country, 2010 35

Estimated size of the market for home emergency insurance and assistance in Europe by policies in force split by

type and by country, 2010 (%) 36

Estimated size of the market for home emergency insurance and assistance in Europe by policies in force split by

type and by country, 2010 (data) 37

Approximate average annual growth rate of the market for home emergency insurance and assistance in Eu

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