Reportlinker Adds Mobile Metrics: Consumer Approaches to Mobile Telephone Insurance in Europe
NEW YORK, April 4, 2011 /PRNewswire/ -- Reportlinker.com announces that a new market research report is available in its catalogue:
Mobile Metrics: Consumer Approaches to Mobile Telephone Insurance in Europe
Finaccord's report titled Mobile Metrics: Consumer Approaches to Mobile Telephone Insurance in Europe offers detailed and unique insights into the behaviour of consumers in the context of mobile telephone insurance. Based on a primary survey of 6,000 mobile owners in France, Germany, Italy, the Netherlands, Spain and the UK carried out in November and December 2010, the research provides valuable data describing the extent to which they take out mobile telephone insurance and clarifying the proportion of uninsured mobile owners who recognize the benefits of the insurance but have simply not yet got round to acquiring cover. In addition to calculating the percentage of consumers that buys mobile cover in each country, split by mobile operator, the investigation also analyses which risks are covered by the policies that they have acquired (i.e. accidental damage, loss, mechanical failure, theft, unauthorized usage), whether they have purchased a stand-alone policy or already possess cover packaged with another financial product, which distribution channel and interface customers with stand-alone cover used to take out mobile telephone insurance, and whether they bought a policy at the same time as finalizing their mobile contract or retrospectively. Finally, the report analyzes claims frequency for mobile telephone insurance split in a variety of ways including by type of claim and according to whether the claim was accepted or refused. For all countries apart from the Netherlands (which was not covered by the original survey) the majority of results from the latest research are compared with those from a previous study published in 2006, thereby showing how consumer behaviour has changed since then. Key features of this report include: - unique analyses showing the percentage of mobile owners that currently possesses mobile telephone insurance in each country, how this penetration rate varies by mobile operator and the potential for this proportion to grow further; - accurate data describing the percentage of mobile owners covered in the event of accidental damage, loss, mechanical failure, theft and unauthorized use; - robust statistics illustrating the extent to which alternative distribution channels, such as banking institutions, direct sales by insurers and affinity channels are eroding the share of mobile telephone network operators and retailers; - reliable benchmarking of the point in time chosen by insured mobile owners to take out mobile telephone insurance; - valuable insights into claims frequency rates split by type of policy (i.e. stand-alone or packaged), and by type of subscriber (i.e. contract or pre-pay), as well as by type of claim and by whether the claim was accepted or refused.
Table of Contents
0.0 EXECUTIVE SUMMARY . 1
Apparent willingness to buy among uninsured mobile owners is especially high in Spain 1
Customers with a contract are more likely to take out cover than pre-pay customers in five countries 1
Packaging mobile telephone insurance with banking products is especially common in the UK 2
Claims frequency varies significantly both by age group and from one country to another . 3
1.0 INTRODUCTION 4
Research rationale 4
European consumer research . 4
Mobile telephone insurance . 4
Other topics 4
Other international research reports 6
2.0 EUROPEAN OVERVIEW 7
Introduction 7
Proportion of respondents owning a mobile telephone 8
In most countries mobile owners with a contract are more likely to take out insurance than pre-pay clients . 8
Proportion of mobile owners with mobile telephone insurance . 10
Penetration rates for mobile phone cover are higher in the UK and France than in the other four countries . 10
Attitudes towards mobile telephone insurance of mobile owners without cover 12
Perceptions of mobile insurance among the uninsured vary greatly from one country to another 12
Risks covered by mobile telephone insurance . 14
On average theft is the risk most frequently covered by mobile telephone insurance across the six countries . 14
Policies paid for separately and packaged with other financial products 17
Mobile telephone insurance is most likely to be packaged with banking products in the UK . 17
Some French consumers acquire mobile cover through a card protection plan . 17
Distribution channels used for mobile telephone insurance 20
In all countries over two thirds of policies are bought through a mobile retailer or network operator 20
Distribution interfaces used for mobile telephone insurance . 22
Face-to-face sales predominate in five of the six countries 22
Mobile telephone insurance - point in time obtained 24
In all six countries at least a half of all policies are acquired at the time of obtaining the mobile handset 24
Mobile telephone insurance - frequency of mobile telephone insurance claims 26
There is evidence to suggest that as cross-selling rates increase, claims frequency falls . 26
Mobile telephone insurance - claims frequency split by subscription method 27
Pre-pay customers are more likely to file a claim than those having a contract . 27
Mobile telephone insurance - claims frequency split by type of insurance . 28
Policyholders who acquire cover in packaged form are significantly less likely to make claims 28
Mobile telephone insurance - main reasons for claims 29
The reasons why customers make claims can vary substantially from one country to another 29
3.0 FRANCE . 32
Introduction 32
Underlying market for mobile telephones . 33
Mobile network operators used . 34
Proportion of mobile owners in possession of mobile telephone insurance . 35
Proportion of mobile owners who have insurance, segmented by subscription method 36
Proportion of mobile owners who have insurance, segmented by network operator . 37
Attitudes towards mobile telephone insurance of mobile owners without cover . 38
Attitudes of mobile owners without cover, segmented by subscription method 40
Risks covered by mobile telephone insurance 42
Distribution of mobile telephone insurance . 43
Distribution channels used for stand-alone mobile telephone insurance 44
Distribution interfaces used for stand-alone mobile telephone insurance . 45
Mobile telephone insurance - point in time obtained 47
Mobile telephone insurance claims experience 48
Mobile telephone insurance - main reasons for claims 49
Research sample 50
The research embraces a total of 1,000 respondents in France . 50
4.0 GERMANY . 51
Introduction 51
Underlying market for mobile telephones . 52
Mobile network operators used . 53
Proportion of mobile owners in possession of mobile telephone insurance . 54
Proportion of mobile owners who have insurance, segmented by subscription method 55
Proportion of mobile owners who have insurance, segmented by network operator . 56
Attitudes towards mobile telephone insurance of mobile owners without cover . 57
Attitudes of mobile owners without cover, segmented by subscription method 59
Risks covered by mobile telephone insurance 61
Distribution of mobile telephone insurance . 62
Distribution channels used for stand-alone mobile telephone insurance 63
Distribution interfaces used for stand-alone mobile telephone insurance . 65
Mobile telephone insurance - point in time obtained 67
Mobile telephone insurance claims experience 68
Mobile telephone insurance - main reasons for claims 69
Research sample 70
5.0 ITALY 71
Introduction 71
Underlying market for mobile telephones . 72
Mobile network operators used . 73
Proportion of mobile owners in possession of mobile telephone insurance . 74
Proportion of mobile owners who have insurance, segmented by subscription method 75
Proportion of mobile owners who have insurance, segmented by network operator . 76
Attitudes towards mobile telephone insurance of mobile owners without cover . 77
Attitudes of mobile owners without cover, segmented by subscription method 79
Risks covered by mobile telephone insurance 81
Distribution of mobile telephone insurance . 82
Distribution channels used for stand-alone mobile telephone insurance 83
Distribution interfaces used for stand-alone mobile telephone insurance . 84
Mobile telephone insurance - point in time obtained 86
Mobile telephone insurance claims experience 87
Mobile telephone insurance - main reasons for claims 88
Research sample 89
6.0 NETHERLANDS 90
Introduction 90
Underlying market for mobile telephones . 91
Mobile network operators used . 92
Proportion of mobile owners in possession of mobile telephone insurance . 93
Proportion of mobile owners who have insurance, segmented by subscription method 93
Proportion of mobile owners who have insurance, segmented by network operator . 94
Attitudes of mobile owners without cover, segmented by subscription method 95
Risks covered by mobile telephone insurance . 97
Distribution of mobile telephone insurance . 98
Distribution channels used for stand-alone mobile telephone insurance 99
Distribution interfaces used for stand-alone mobile telephone insurance . 100
Mobile telephone insurance - point in time obtained 102
Mobile telephone insurance claims experience 103
Mobile telephone insurance - main reasons for claims 104
Research sample 105
7.0 SPAIN . 106
Introduction 106
Underlying market for mobile telephones . 107
Mobile network operators used . 108
Proportion of mobile owners in possession of mobile telephone insurance . 109
Proportion of mobile owners who have insurance, segmented by subscription method 110
Proportion of mobile owners who have insurance, segmented by network operator . 111
Attitudes towards mobile telephone insurance of mobile owners without cover . 112
Attitudes of mobile owners without cover, segmented by subscription method 114
Risks covered by mobile telephone insurance . 116
Distribution of mobile telephone insurance . 117
Distribution channels used for stand-alone mobile telephone insurance 118
Distribution interfaces used for stand-alone mobile telephone insurance . 120
Mobile telephone insurance - point in time obtained 122
Mobile telephone insurance claims experience 123
Mobile telephone insurance - main reasons for claims 124
Research sample 125
8.0 UNITED KINGDOM . 126
Introduction 126
Underlying market for mobile telephones . 128
Mobile network operators used . 129
% of mobile owners in possession of mobile telephone insurance . 130
Proportion of mobile owners who have insurance, segmented by subscription method 131
Proportion of mobile owners who have insurance, segmented by network operator . 132
Attitudes towards mobile telephone insurance of mobile owners without cover . 133
Attitudes of mobile owners without cover, segmented by subscription method 135
Risks covered by mobile telephone insurance . 137
Distribution of mobile telephone insurance . 138
Distribution channels used for stand-alone mobile telephone insurance 139
Distribution interfaces used for stand-alone mobile telephone insurance . 141
Mobile telephone insurance - point in time obtained 143
Mobile telephone insurance claims experience 144
Mobile telephone insurance - main reasons for claims 145
Research sample 146
9.0 APPENDIX . 147
Research methodology . 147
Research structure 149
LIST OF GRAPHICS / TABLES
0.0 EXECUTIVE SUMMARY . 1
Penetration rates for mobile telephone insurance are at their highest in France and the UK . 2
The least risky customers are those aged between 45 and 64: however, insurance cross-selling rates are low in this age band 3
1.0 INTRODUCTION 4
2.0 EUROPEAN OVERVIEW 7
% of respondents in six European countries owning a mobile telephone split between pre-pay and contract customers, 2010 . 8
% of respondents in six European countries owning a mobile telephone split between pre-pay and contract customers, 2010 (data) 9
% of mobile owners in six European countries in possession of mobile telephone insurance, 2006 and 2010 . 11
% split of attitudes towards mobile telephone insurance of mobile owners without cover in six European countries, 2010 12
% split of attitudes towards mobile telephone insurance of mobile owners without cover in six European countries, 2010 (data) . 13
Risks covered by mobile telephone insurance in six European countries, 2010 15
Risks covered by mobile telephone insurance in six European countries, 2010 (data) . 16
Segmentation of mobile telephone insurance in six European countries between policies paid for separately and packaged policies, 2010 . 18
Segmentation of mobile telephone insurance in six European countries between policies paid for separately and packaged policies, 2010 (data) 19
Distribution channels used for mobile telephone insurance in six European countries, 2010 (stand-alone policies only) 21
Distribution channels used for mobile telephone insurance in six European countries, 2010 (stand-alone policies only) (data) . 21
Distribution interfaces used for mobile telephone insurance in six European countries, 2010 (stand-alone policies only) 22
Distribution channels used for mobile telephone insurance in six European countries, 2010 (stand-alone policies only) (data) . 23
Time of acquiring mobile telephone insurance relative to time of acquiring mobile telephone in six European countries, 2010 (stand-alone policies only) . 24
Time of acquiring mobile telephone insurance relative to time of acquiring mobile telephone in six European countries, 2010 (stand-alone policies only) (data) 25
Frequency of mobile telephone insurance claims in the last 12 months in six European countries, segmented by outcome of claim, 2010 . 26
Frequency of mobile telephone insurance claims in the last 12 months, segmented by subscription method, 2010 27
Frequency of mobile telephone insurance claims in the last 12 months, segmented by type of insurance, 2010 . 28
Main reasons for mobile telephone insurance claims in six European countries, 2010 30
Main reasons for mobile telephone insurance claims in six European countries, 2010 (data) 31
3.0 FRANCE . 32
% of respondents in France owning a mobile telephone segmented by subscription method, 2010 . 33
Mobile phone network operators used in France, segmented by subscription method, 2010 34
% of mobile owners in France who have insurance, 2006 and 2010 . 35
% of mobile owners in France who have insurance, segmented by subscription method, 2010 36
% of mobile telephone owners in France who have insurance, segmented by mobile network operator, 2010 . 37
Main reasons why uninsured mobile telephone owners do not hold insurance in France, 2006 and 201038
Main reasons why uninsured mobile telephone owners do not hold insurance in France, 2006 and 2010 (data) 39
Main reasons why uninsured mobile telephone owners do not hold insurance in France, segmented by subscription method, 2010 40
Main reasons why uninsured mobile telephone owners do not hold insurance in France, segmented by subscription method, 2010 (data) 41
Risks covered by mobile telephone insurance in France, 2006 and 2010 . 42
Types of insurance policy held by insured mobile owners in France, 2010 . 43
Distribution channels used for stand-alone mobile telephone insurance in France, 2006 and 2010 44
Distribution interfaces used for stand-alone mobile telephone insurance in France, 2006 and 2010 . 45
Cross-referencing of distribution channels and interfaces used for stand-alone mobile telephone insurance in France, 2010 . 46
Time of acquiring stand-alone insurance relative to time of acquiring mobile telephone in France, 2006 and 2010 47
Frequency of mobile telephone insurance claims in France, segmented by outcome of claims, 2010 48
Main reasons for mobile telephone insurance claims in France, 2010 . 49
Sample breakdown in France by age group and household income band, 2010 50
4.0 GERMANY . 51
% of respondents in Germany owning a mobile telephone segmented by subscription method, 2010 . 52
Mobile phone network operators used in Germany, segmented by subscription method, 2010 53
% of mobile owners in Germany who have insurance, 2006 and 2010 . 54
% of mobile owners in Germany who have insurance, segmented by subscription method, 2010 55
% of mobile telephone owners in Germany who have insurance, segmented by mobile network operator, 2010 . 56
Main reasons why uninsured mobile telephone owners do not hold insurance in Germany, 2006 and 2010 57
Main reasons why uninsured mobile telephone owners do not hold insurance in Germany, 2006 and 2010 (data) 58
Main reasons why uninsured mobile telephone owners do not hold insurance in Germany, segmented by subscription method, 2010 59
Main reasons why uninsured mobile telephone owners do not hold insurance in Germany, segmented by subscription method, 2010 (data) 60
Risks covered by mobile telephone insurance in Germany, 2006 and 2010 . 61
Types of insurance policy held by insured mobile owners in Germany, 2010 62
Distribution channels used for stand-alone mobile telephone insurance in Germany, 2006 and 2010 64
Distribution interfaces used for stand-alone mobile telephone insurance in Germany, 2006 and 2010 . 65
Cross-referencing of distribution channels and interfaces used for stand-alone mobile telephone insurance in Germany, 2010 . 66
Time of acquiring stand-alone insurance relative to time of acquiring mobile telephone in Germany, 2006 and 2010 67
Frequency of mobile telephone insurance claims in Germany, segmented by outcome of claims, 2010 68
Main reasons for mobile telephone insurance claims in Germany, 2010 . 69
Sample breakdown in Germany by age group and household income band 70
5.0 ITALY 71
% of respondents in Italy owning a mobile telephone segmented by subscription method, 2010 72
Mobile phone network operators used in Italy, segmented by subscription method, 2010 . 73
% of mobile owners in Italy who have insurance, 2006 and 2010 74
% of mobile owners in Italy who have insurance, segmented by subscription method, 2010 . 75
% of mobile telephone owners in Italy who have insurance, segmented by mobile network operator, 2010 76
Main reasons why uninsured mobile telephone owners do not hold insurance in Italy, 2006 and 2010 77
Main reasons why uninsured mobile telephone owners do not hold insurance in Italy, 2006 and 2010 (data) 78
Main reasons why uninsured mobile telephone owners do not hold insurance in Italy, segmented by subscription method, 2010 79
Main reasons why uninsured mobile telephone owners do not hold insurance in Italy, segmented by subscription method, 2010 (data) 80
Risks covered by mobile telephone insurance in Italy, 2006 and 2010 81
Types of insurance policy held by insured mobile owners in Italy, 2010 82
Distribution channels used for stand-alone mobile telephone insurance in Italy, 2006 and 2010 . 83
Distribution interfaces used for stand-alone mobile telephone insurance in Italy, 2006 and 2010 84
Cross-referencing of distribution channels and interfaces used for stand-alone mobile telephone insurance in Italy, 2010 . 85
Time of acquiring stand-alone insurance relative to time of acquiring mobile telephone in Italy, 2006 and 2010 . 86
Frequency of mobile telephone insurance claims in Italy, segmented by outcome of claims, 2010 . 87
Main reasons for mobile telephone insurance claims in Italy, 2010 88
Sample breakdown in Italy by age group and household income band . 89
6.0 NETHERLANDS 90
% of respondents in the Netherlands owning a mobile telephone segmented by subscription method, 2010 . 91
Mobile phone network operators used in the Netherlands, segmented by subscription method, 2010 . 92
% of mobile owners in the Netherlands who have insurance, segmented by subscription method, 2010 . 93
% of mobile owners in the Netherlands who have insurance, segmented by mobile network operator, 2010 . 94
Main reasons why uninsured mobile telephone owners do not hold insurance in the Netherlands, segmented by subscription method, 2010 95
Main reasons why uninsured mobile telephone owners do not hold insurance in the Netherlands, segmented by subscription method, 2010 (data) . 96
Risks covered by mobile telephone insurance in the Netherlands, 2010 . 97
Types of insurance policy held by insured mobile owners in the Netherlands, 2010 . 98
Distribution channels used for stand-alone mobile telephone insurance in the Netherlands, 2010 99
Distribution interfaces used for stand-alone mobile telephone insurance in the Netherlands, 2010 . 100
Cross-referencing of distribution channels and interfaces used for stand-alone mobile telephone insurance in the Netherlands, 2010 101
Time of acquiring stand-alone insurance relative to time of acquiring mobile telephone in the Netherlands, 2010 . 102
Frequency of mobile telephone insurance claims in the Netherlands, segmented by outcome of claims, 2010 . 103
Main reasons for mobile telephone insurance claims in the Netherlands, 2010 104
Sample breakdown in the Netherlands by age group and household income band, 2010 . 105
7.0 SPAIN . 106
% of respondents in Spain owning a mobile telephone segmented by subscription method, 2010 . 107
Mobile phone network operators used in Spain, segmented by subscription method, 2010 108
% of mobile owners in Spain who have insurance, 2006 and 2010 . 109
% of mobile owners in Spain who have insurance, segmented by subscription method, 2006 and 2010 110
% of mobile telephone owners in Spain who have insurance, segmented by mobile network operator, 2010 . 111
Main reasons why uninsured mobile telephone owners do not hold insurance in Spain, 2006 and 2010112
Main reasons why uninsured mobile telephone owners do not hold insurance in Spain, 2006 and 2010 (data) 113
Main reasons why uninsured mobile telephone owners do not hold insurance in Spain, segmented by subscription method, 2010 114
Main reasons why uninsured mobile telephone owners do not hold insurance in Spain, segmented by subscription method, 2010 (data) 115
Risks covered by mobile telephone insurance in Spain, 2006 and 2010 . 116
Types of insurance policy held by insured mobile owners in Spain, 2010 117
Distribution channels used for stand-alone mobile telephone insurance in Spain, 2006 and 2010 119
Distribution interfaces used for stand-alone mobile telephone insurance in Spain, 2006 and 2010 . 120
Cross-referencing of distribution channels and interfaces used for stand-alone mobile telephone insurance in Spain, 2010 . 121
Time of acquiring stand-alone insurance relative to time of acquiring mobile telephone in Spain, 2006 and 2010 . 122
Frequency of mobile telephone insurance claims in Spain, segmented by outcome of claims, 2010 123
Main reasons for mobile telephone insurance claims in Spain, 2010 . 124
Sample breakdown in Spain by age group and household income band 125
8.0 UNITED KINGDOM . 126
% of respondents in the UK owning a mobile telephone segmented by subscription method, 2010 . 128
Mobile phone network operators used in the UK, segmented by subscription method, 2010 129
% of mobile owners in the UK who have insurance, 2006 and 2010 130
% of mobile owners in the UK who have insurance, segmented by subscription method, 2010 131
% of mobile telephone owners in the UK who have insurance, segmented by mobile network operator, 2010 . 132
Main reasons why uninsured mobile telephone owners do not hold insurance in the UK, 2006 and 2010 133
Main reasons why uninsured mobile telephone owners do not hold insurance in the UK, 2006 and 2010 (data) 134
Main reasons why uninsured mobile telephone owners do not hold insurance in the UK, segmented by subscription method, 2010 135
Main reasons why uninsured mobile telephone owners do not hold insurance in the UK, segmented by subscription method, 2010 (data) 136
Risks covered by mobile telephone insurance in the UK, 2006 and 2010 . 137
Types of insurance policy held by insured mobile owners in the UK, 2010 138
Distribution channels used for stand-alone mobile telephone insurance in the UK, 2006 and 2010 140
Distribution interfaces used for stand-alone mobile telephone insurance in the UK, 2006 and 2010 . 141
Cross-referencing of distribution channels and interfaces used for stand-alone mobile telephone insurance in the UK, 2010 . 142
Time of acquiring stand-alone insurance relative to time of acquiring mobile telephone in the UK, 2006 and 2010 143
Frequency of mobile telephone insurance claims in the UK, segmented by outcome of claims, 2010 144
Main reasons for mobile telephone insurance claims in the UK, 2010 . 145
Sample breakdown in the United Kingdom by age group and household income band . 146
9.0 APPENDIX 147
Sample breakdown by age and annual household income band . 148
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