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Fleet Insurance and Assistance in EuropeTable of Contents
The fleet sector accounts for nearly 15% of all motor insurance premiums, from just over 10% of vehicles High average policy prices in Italy and Switzerland inflate their insurance markets Specialist road transport segments, including operational leasing, account for nearly 45% of fleet cars Motor insurance premiums for fleet passenger cars amounted to EUR 8.49 billion in 2011 Haulage vehicles made up more than one in six fleet commercial vehicles... ... and account for over a quarter of fleet commercial vehicle motor insurance premiums Poland is forecast to have the fastest growth in fleet motor insurance, 2011 to 2015 Germany’s road assistance market is smaller than France and the UK because policies pay a limited sum 710 actual or potential distributors of motor / GAP insurance and road assistance were researched
What is this report about? Motor insurance and assistance for fleets is studied by vehicle type, industry segment and distribution Rationale A market worth EUR 6.69 billion is analysed to a unique level of detail... ...with the associated PartnerBASE™ dataset providing key information about competitors Methodology Survey of associations and fleet operating companies Market data Definitions Fleet Commercial vehicles Insurance buyer Operating lease Taxis and private hire vehicles Motor insurance GAP insurance Operating models Abbreviations and exchange rates Finaccord
Introduction Key issues in the fleet market and in fleet insurance Operational leasing is becoming more popular as a means of finance... ...and proposed changes to accountancy rules may make its ‘service’ element more important Telematics has the potential to transform fleet insurance and assistance... ... but pay-as-you-drive insurance for fleet customers is only available in the UK at present The financial crisis forced the sale of Masterlease and ING Car Lease Size and segmentation of the fleet car and commercial vehicle parc There were nearly 25 million fleet vehicles in Europe in 2011 Germany, France and the UK have an above-average percentage of vehicles in fleets... ... because large firms predominate and cars are often provided to employees Poland and Spain marked the best and worst performances during the recession Sweden has the highest proportion of vehicles in fleets – especially passenger cars Segmentation of the fleet passenger car market One in five fleet cars are insured by operating lease companies The motor trade itself holds a sustantial stock of passenger cars... ... followed by car hire firms The importance of driving school and taxi fleets varies nationally The economic crisis affected the size of car hire fleets most of all... ... while a long-term trend in favour of operating leases counterbalanced the recession Segmentation of the fleet commercial vehicle market Operating lease firms make up a smaller percentage of the fleet commercial vehicle market than for fleet cars Haulage vehicles are the largest single use of fleet commercial vehicles Long-term trends are working for operating lease vehicles... ... but against couriers and postal services Size and segmentation of the fleet car and commercial vehicle insurance market Nearly EUR 16 billion is paid in motor insurance premiums for fleet vehicles Premiums for heavy commercial vehicles exceeded premiums for light commercial vehicles Higher average policy prices in Italy mean that it nearly equals the UK for fleet motor insurance GWP... ... while high prices in Switzerland and low ones in Poland mean their insurance markets are similarly-sized The fleet sector’s share of motor insurance is much higher than its share of the vehicle parc in Poland GWP for fleet motor insurance was lower than the level recorded for 2007 in three countries Segmentation of the fleet passenger car motor insurance market Nearly all categories of fleet passenger cars are higher risks than the average private car... ... with car rental firms estimated to pay more in gross written premiums than the motor trade... ... and only driving school cars are not seen as high-risk vehicles Growth in premiums has been fastest for taxis and for operating lease fleets Segmentation of the fleet commercial vehicle market Road haulage accounts for a fifth of fleet commercial vehicle motor insurance Couriers are the highest risk among commercial vehicle road transport segments Fleet commercial vehicle price rises have not quite compensated for a decline in the vehicle parc Road assistance Fleet road assistance is bought by nearly all operating lease and rental companies France and the UK have the largest fleet road assistance markets Forecasts for motor insurance and road assistance Forecasts have been made by segment and by country, based on trends in vehicle parc and policy prices Passenger car policy prices are rising in most countries, starting with the UK in 2011 Short-term rental and operational leasing are the most promising fleet car segments up to 2015 Poland, Germany and Italy are forecast to see premiums for fleet commercial vehicles rise most strongly Road haulage follows the rental sector as the third-fastest growing segment for fleet premiums Road assistance revenues are expected to grow steadily Distribution partnerships for fleet insurance and assistance 710 actual or potential distributors are covered by this research Motor insurance Over a third of trade associations have an affinity partnership for motor insurance Finance lease companies and leasing brokers / fleet management firms often do not offer motor insurance Trade associations use external providers except for BOVAG, CETM and SFV... ... most commercial organisations work with a single external underwriter... ... except in Poland and Sweden, where multiple partners are preferred Broker relationships are not concentrated... ... and fleet insurance specialists often have more partners than the ‘big three’ global brokers The leading underwriter has more than a third of partnerships in Belgium, Poland, Sweden and Switzerland Five international insurers hold a third of underwriter partnerships Road assistance Fewer trade associations have a scheme for road assistance than for motor insurance... ... though this tendency is reversed for commercial partners in the UK Bärgningstjänsten has its own assistance scheme for removals firms in Sweden Internal assistance provision is common where specialist companies are not dominant Just two brokers were found to have more than one commercial partner for road assistance The leading assistance provider has over half of all the partnerships in Belgium, the Netherlands and the UK Europ Assistance has the most partnerships of the international assistance providers GAP insurance GAP policies were available in eight out of ten countries All leasing brokers and fleet management companies researched in the UK offered GAP insurance Nearly one GAP partnership in five operates through an external broker Gras Savoye, Nord Partner and Premia Solutions have the most partnerships for GAP insurance Germany is the least concentrated market for GAP underwriter partnerships AXA has the largest number of partnerships identified for GAP insurance, ahead of Genworth and Zurich Segmentation of fleet vehicles and insurance by type of insurance buyer Introduction Passenger cars Car hire firms: Germany offers the largest growth opportunity for motor insurance premiums Driving schools: almost no growth in premiums is expected for this sector by 2015 Motor trade for passenger cars: Spain has seen the most dramatic decline in motor trade insurance Operational leasing for cars: premium growth in Germany is forecast to be 40% of the European total Taxi firms: the UK is forecast to have the largest growth in premiums, thanks to soaring prices ‘Other’ fleet cars: GWP is forecast to rise by over EUR 700 million in France, Germany and Italy combined Commercial vehicles Couriers and postal services: rising insurance prices are expected to turn decline into growth Motor trade for commercial vehicles: new registrations are expected to recover in most countries Operational leasing for commercial vehicles: Poland is the star market by past and forecast growth rates Own account haulage: just over half of the growth in premiums will come from Germany Removal firms: France is expected to see the best growth in both percentage and monetary terms Road haulage firms: GWP is forecast to rise by more than EUR 40 million in Germany, France and the UK Van and lorry hire firms: the UK is the largest market for this segment in Europe ‘Other’ fleet commercial vehicles: GWP is forecast to rise by value most in Italy, and to fall only in Sweden
Introduction Size of the car and commercial vehicle fleet market Belgium’s fleet vehicle sector continues to grow, in spite of the macroeconomic climate... ...and growth in the number of light commercial vehicles has been particularly strong Segmentation of the fleet market by type of insurance buyer Passenger cars Operating lease firms usually arrange insurance cover for their vehicles... ...but the majority of policies for fleet passenger cars are held by other types of user The motor trade’s stock of vehicles has remained largely unchanged in recent years… …and the structure of Belgium’s taxi industry means that many vehicles are not part of fleets Commercial vehicles The majority of fleet commercial vehicles are owned by diverse businesses and the public sector… …with operating lease firms accounting for just 4.7% of the fleet commercial vehicle parc Many areas of Belgium’s road transport industry show a decline in vehicle numbers… …and the stock of vehicles held by the motor trade is yet to recover to its pre-recession level Fleet insurance and assistance market size The overall motor insurance market has grown in recent years, in line with rising vehicle numbers… …although the technical profitability of this line varies enormously between vehicle types Passenger car fleet insurance Gross written premiums generated by fleets of passenger cars continue to rise... …with operating lease companies and taxi firms demonstrating the strongest growth rates Commercial vehicle fleet insurance The insurance market for fleet commercial vehicles has barely grown in recent years… …and many key segments are still in decline following the recession Road assistance Belgium’s road assistance market for fleet vehicles is rising steadily… …with contracts linked to passenger cars representing the largest segment Distribution partnerships for fleet insurance and assistance The research documents 62 actual or potential distributors of fleet insurance and assistance Motor insurance Relatively few Belgian trade associations have affinity deals for motor insurance External underwriters and brokers account for around two thirds of commercial partnerships For motor insurance, Vanbreda Risk & Benefits is the most commonly identified broker... …and prominent underwriters include AXA, Chartis and Ethias Road assistance Distribution of road assistance contracts by trade associations is fairly weak in Belgium Commercial partnerships are dominated by specialist assistance providers Two national providers account for more than three quarters of all partnerships… ...but multi-nationals such as Europ Assistance and Mondial Assistance are also present GAP insurance 1 Commercial availability of GAP cover is far less common than that of standard motor policies Other key insurance and assistance providers Belgium’s top ten motor underwriters all offer fleet insurance policies… …and member organisation ITS promotes new initiatives in telematics and fleet management Forecasts for fleet motor insurance and road assistance Motor insurance Finaccord expects a continuous and steady expansion in the years ahead… …with premiums generated by car hire firms being likely to display the fastest growth rates …and revenue from commercial vehicles will grow more quickly than that from passenger vehicles Road assistance Premiums from commercial vehicle fleets are expected to generate the fastest growth
Introduction Size of the car and commercial vehicle fleet market Growth in France’s fleet vehicle sector remains slow but steady... ...with the number of buses and coaches being particularly buoyant Segmentation of the fleet market by type of insurance buyer Passenger cars Operating lease firms usually arrange insurance cover for their vehicles... ...but most policies for fleet passenger cars are held by diverse businesses and the public sector The number of vehicles held by the motor trade has fluctuated in recent years… …although the number of taxis is on the increase, in spite of some contentious licensing issues Commercial vehicles The number of fleet commercial vehicles held by operating lease firms has yet to fully recover… …with road haulage firms also feeling the effects of recession Rising sales help to increase the stock of commercial vehicles insured by the motor trade… …and La Poste operates one of the largest commercial vehicle fleets in Europe Fleet insurance and assistance market size Both the overall and fleet-only motor insurance markets have increased in recent years… …although the profitability of this line of business is less consistent Passenger car fleet insurance Non-specialist fleets generate around three quarters of passenger car fleet premiums... …with premiums from taxi fleets being the fastest rising specialist segment Commercial vehicle fleet insurance Growth in premiums from commercial vehicle fleets is far lower than that of passenger car fleets… …with both road haulage and operating lease segments declining recently Road assistance France’s road assistance market has continued to develop steadily… …and virtually all car hire firms and operating lease companies include this service for their clients Distribution partnerships for fleet insurance and assistance The research documents 73 actual or potential distributors of fleet insurance and assistance Motor insurance More than 60% of French trade associations operate affinity schemes for motor insurance Insurance offered by leasing firms is typically optional, but the majority of customers accept this cover Gras Savoye, Aon and Verspieren are the most commonly identified brokers in this area... …and one prominent insurer accounts for around 30% of all underwriting partnerships Road assistance French trade associations do not typically offer road assistance to their members Many commercial organisations co-ordinate their own road assistance schemes Leading providers are a mixture of multi-national specialists and manufacturer-branded services GAP insurance GAP cover is a widely available and popular option in France 14 brokers are identified as providing GAP cover schemes to affinity and commercial partners… …and AXA accounts for more than a third of all underwriting partnerships in this area Other key insurance and assistance providers Motor fleet insurance is available from all major non-life underwriters Advanced telematics solutions are available, but these are not linked to insurance premiums There are several dedicated assistance networks for large commercial vehicles Forecasts for fleet motor insurance and road assistance Motor insurance Steady increases in the fleet vehicle parc will lead to a growing motor insurance market… …with all segments of the passenger car market expected to develop, albeit at very different rates Premiums from commercial vehicles will also rise, but less quickly than those from passenger cars Road assistance The expansion of passenger car fleets will generate the bulk of the revenue gains forecast here
Introduction Size of the car and commercial vehicle fleet market The fleet passenger car parc in 2011 was the same size as in 2007 Bus fleets are often covered through voluntary funding pools Segmentation of the fleet market by type of insurance buyer Passenger cars Captive leasing companies tend to make their own insurance policies compulsory Cars insured by operating lease companies make up a quarter of the total fleet passenger car parc Passenger car sales have been very volatile since 2007, affecting the stock held by the motor trade... ...car rental fleets fell with the recession and rose again with the recovery... ... while the size of taxi and driving school fleets has shrunk due to long-term trends Commercial vehicles The recession and a shift towards operational leasing are the main forces affecting this sector... ... though couriers and postal services are in a long-term decline as electronic communications rise Fleet insurance and assistance market size The overall motor insurance market has remained broadly stagnant since 2007... ...while the market for fleet insurance bounced back in 2011 Passenger car fleet insurance GWP for fleet cars is on the increase, driven by the economic recovery and rising prices... ... with premiums paid by operating lease companies and the motor trade rising most Commercial vehicle fleet insurance The insurance market for fleet commercial vehicles was nearly 80% of the value of the fleet car market The two haulage segments account for a third of fleet commercial vehicle premiums Road assistance The fleet road assistance market is smaller than in France or the UK because policies pay out much less Distribution partnerships for fleet insurance and assistance 95 actual or potential distributors are covered by this research Motor insurance Several major associations have partnerships for fleet motor insurance A clear majority of commercial organisations offer fleet motor insurance to their customers No broker emerges as leader in terms of partnerships with trade associations or commercial organisations KRAVAG greatly benefits from its deal with SVG Bundes-Zentralgenossenschaft Germany’s driving schools have a specialist insurance provider QBE focuses on large fleets and bus insurance Signal Iduna’s VdK is the largest underwriter for taxi insurance in Germany Road assistance Road assistance provision for trade associations always comes from the same source as motor insurance ... while the preferred operating model among commercial partnerships is with single external providers Broker partnerships for road assistance are fragmented Several commercial organisations have their fleet road assistance organised through their motor insurance GAP insurance It is very common for leasing companies to offer GAP insurance in Germany Zurich has the highest number of partnerships for the provision of fleet GAP insurance in Germany Four other insurers have partnerships with more than one leasing company Other key insurance and assistance providers Aon Jauch & Hübener intermediates fleet motor insurance for 180,000 vehicles... ...while smaller brokers specialise in particular segments Some small companies take out comprehensive business cover where fleet insurance is just one element... ... while some very large corporate clients try to take on as much risk as possible themselves Germany is only slowly adopting telematics technology for insurance and assistance purposes A number of specialist assistance providers have emerged over the last few years Forecasts for fleet motor insurance and road assistance Motor insurance Economic recovery and rising prices will drive up gross written premiums in the fleet motor sector... ... and price rises will outweigh any decline in the underlying fleet parc Long-term and short-term rental fleets are expected to grow fastest between 2011 and 2015 Road assistance Premiums are expected to rise more for passenger car fleets than for commercial vehicle fleets
Introduction Size of the car and commercial vehicle fleet market Italy has the most passenger cars and heavy commercial vehicles per person out of these ten countries Bus services remain under municipal control, though Genoa has set an example for part-privatisation Segmentation of the fleet market by type of insurance buyer Passenger cars In Italy, operating lease vehicles are insured by the lease company in the great majority of cases ...though they account for only one fleet passenger car in five New car sales declined by more than a third between 2007 and 2011 ACI runs a network of driving schools instead of having its own company to train drivers Taxis remain one-man businesses, despite attempts at reform Commercial vehicles The motor trade saw the largest fall in fleet commercial vehicles, 2007 to 2011 The number of road haulage vehicles has fallen thanks to the recession... ... while there are few fleet removal vehicles since Italians move home rarely Fleet insurance and assistance market size The number of uninsured vehicles has risen since 2007 The fleet motor insurance market recovered well in 2011, with rising prices Passenger car fleet insurance Premiums paid by operational leasing firms and car hire were higher in 2011 than in 2007... Commercial vehicle fleet insurance The insurance market for fleet commercial vehicles was little more than half that of passenger cars in 2007 Premiums paid by road haulage fleets are comparatively small in Italy... ... while removals firms and van and lorry hire firms contributed just 1.5% of fleet GWP between them Road assistance The road assistance market reached a new high in 2011 Distribution partnerships for fleet insurance and assistance 65 actual or potential distributors are covered by this research Motor insurance Over 40% of trade associations have a partnership for motor insurance... ... rising to 58% when adding in associations that belong to Cofindustria No commercial organisation used a broker for motor insurance Only four insurers had more than one partner Road assistance Few trade associations have a partnership for road assistance Commercial organisations are split evenly between internal and external assistance While ACI is one of the leading assistance providers, it is not as dominant as the AA, ANWB, RACE or VAB GAP insurance Two specialist insurers and two non-specialists offer GAP insurance through leasing companies Other key insurance and assistance providers Alleanza Toro and AXA underwrite specialist motor insurance risks Telematics is used by leading insurers primarily in case of accident or theft for private passenger cars Forecasts for fleet motor insurance and road assistance Motor insurance The fleet passenger car insurance market is forecast to grow faster than the commercial vehicle market Premiums paid by operating lease and car hire firms are expected to grow fastest in the fleet car sector... ... along with road haulage firms in the commercial vehicle sector Road assistance The value of the assistance market is expected to rise with more fleet vehicles plus inflation
Introduction Size of the car and commercial vehicle fleet market The fleet vehicle parc has grown since 2007, with only a slight pause in 2009 and 2010... ... and the sector of fleet heavy goods vehicles was the only one to decline over 2007 to 2011 The majority of bus services are privatised, with the notable exception of the Amsterdam transport system Segmentation of the fleet market by type of insurance buyer Passenger cars Three forms of operating lease are available in the Netherlands... ...and they make up the largest single element of the fleet passenger car parc The motor trade insures many cars because the used car market is unusually large in the Netherlands The majority of taxis are run by companies rather than self-employed drivers Commercial vehicles Finance leases and fleet management are more important for commercial vehicles than for cars The number of fleet vehicles fell most for the motor trade and rose most for hire firms, 2007 to 2011 Own account haulage accounts for an above-average share of the overall haulage fleet Fleet insurance and assistance market size Falling average premiums and rising claims have driven the claims ratio up Fleet motor insurance GWP fell faster than non-fleet GWP because of the decline in liability premiums Passenger car fleet insurance Operational lease firms pay more than a third of all fleet passenger car premiums Premiums paid by all the specialist transport segments fell between 2007 and 2011 Commercial vehicle fleet insurance Premiums for fleet commercial vehicles are worth 75% of those for fleet passenger cars... ...with premium growth coming from operational lease firms and hire firms Road assistance ANWB offers a menu of options for road assistance, enabling companies to tailor it to their needs Distribution partnerships for fleet insurance and assistance 60 actual or potential distributors are covered by this research Motor insurance Although just over a third of trade associations offer motor insurance... ... these include most of the largest ones Leasing brokers select lease companies, and do not handle financial services Aon has the largest number of partnerships for motor insurance Road assistance The main taxi and driving school associations do not offer road assistance to go with motor insurance Most commercial organisations have a direct partnership with an assistance provider ANWB holds over 60% of all assistance partnerships Other key insurance and assistance providers Specialist companies offer policies for taxi and courier insurance Pay-as-you-drive insurance now exists for personal customers Forecasts for fleet motor insurance and road assistance Motor insurance The fleet passenger car insurance market is forecast to grow well up to 2015... Premiums paid by operating lease and car hire firms are expected to grow fastest in the fleet car sector... Road assistance Revenues for fleet passenger car assistance are expected to rise fastest
Introduction Size of the car and commercial vehicle fleet market All segments of the Polish fleet have grown overall since 2007… ... with the bus and coach fleet representing the slowest growth overall Segmentation of the fleet market by type of insurance buyer Passenger cars Operational leasing numbers see overall gains despite extreme volatility... …while the motor trade remains the largest single section of the fleet passenger car market… …and only driving schools post an overall decline since 2007 Commercial vehicles Road haulage companies make up the largest individual fleet commercial vehicle segment... …while commercial vehicle operating lease firms showed the biggest increases by far… …and the remaining sectors all show significant volatility in market size Fleet insurance and assistance market size Fleet motor insurance as a percentage of the market has varied only slightly since 2007.... Passenger car fleet insurance Car hire companies represent the largest segment of the fleet insurance market… …while operating leases again show the largest individual compound annual increase The motor trade emerges from an unsteady period marginally higher Commercial vehicle fleet insurance The insurance market for fleet commercial vehicles is twice that for passenger cars… …while operational leasing for commercial vehicles enjoys continuous strong growth… …and courier and postal firms and removals firms see an extended gradual decline in premiums Road assistance The road assistance market has continued growth in virtually all areas Distribution partnerships for fleet insurance and assistance 85 actual or potential distributors are covered by this research Motor insurance The vast majority of commercial organisations have an external partnership for motor insurance There are 12 partnerships using a combination of seven different brokers... …while commercial partnerships tend to involve fewer arrangements made via brokers… …preferring to deal with insurers directly, with PZU by far the most frequently named partner… ... and three other firms record double-digit partnerships Seven insurers feature four partnerships or fewer Road assistance All the trade associations that offer road assistance rely on brokers... ... while a modest majority of commercial partnerships offer assistance through insurers PZU continues to dominate the insurer-administered assistance market… …while internal provision and the use of specialist assistance providers remain strong options GAP insurance Only a third of leasing firms and leasing brokers offer GAP insurance Other key insurance and assistance providers The largest brokers and underwriters in Poland are all active in fleet insurance… ... while telematics are not yet a factor in insuring fleets Forecasts for fleet motor insurance and road assistance Motor insurance Premiums are expected to rise faster for fleet passenger cars than for fleet commercial vehicles Car hire firms are expected to show the highest growth in premiums among passenger cars... ... while most commercial vehicle segments are forecast to see continued growth to 2015 Road assistance Premiums are expected to rise at a comparable rate among the three main segments of the market
Introduction Size of the car and commercial vehicle fleet market The size of the fleets held by rental firms and the motor trade has fallen sharply since 2007... ... and the bus and coach fleet is the only sector to grow in recent years Segmentation of the fleet market by type of insurance buyer Passenger cars Operating lease vehicles are insured by the lease company in Spain... ...and constitute 30% of the stock of fleet passenger cars The motor trade’s stock of vehicles has plummeted since the recession Taxi and driving schools fleets are small since self-employment dominates these sectors Commercial vehicles Operating lease vehicles form a smaller part of the fleet parc for the commercial sector The sector of couriers and postal vehicles is the only one to have grown, thanks to Grupo Correos Fleet insurance and assistance market size The overall motor insurance market has fallen between 2007 and 2011 due to a decline in policy volumes... ... driven by a fall in fleet vehicles and a rise in uninsured non-fleet drivers Passenger car fleet insurance Every segment within the fleet passenger car market has shrunk... ... with car hire firms’ premiums falling most of all Commercial vehicle fleet insurance The insurance market for fleet commercial vehicles is worth 85% of the fleet passenger car market Liability prices have fallen faster than other motor insurance policies since 2007 Road assistance The road assistance market has declined as the number of fleet vehicles has shrunk Distribution partnerships for fleet insurance and assistance 70 actual or potential distributors are covered by this research Motor insurance All commercial organisations have a partnership for motor insurance Nine brokers were identified for motor insurance, led by CETM Seguros among trade associations... ...while 14 underwriters shared 43 relationships Road assistance Road assistance provision for trade associations always comes from the same source as motor insurance ... while commercial partnerships are concentrated on specialist assistance providers Two brokers offer road assistance through trade associations Specialist assistance providers and insurance companies share commercial partnerships between them... ... including three multi-national assistance specialists Other key insurance and assistance providers Only one major underwriter was found that did not provide motor fleet insurance All leading brokers handle motor fleet business, but this sector is dominated by a handful of players Local assistance providers rescue commercial vehicles in case of breakdown Forecasts for fleet motor insurance and road assistance Motor insurance Spain’s slow economic recovery means that the fleet insurance market is expected to grow only slowly Premiums for the car hire sector are expected to be one of the fastest-growing areas, thanks to tourism Operational leasing can recover well as companies renew their vehicle parc Road assistance Premiums are expected to rise faster for passenger car fleets than for commercial vehicle fleets
Introduction Size of the car and commercial vehicle fleet market Sweden’s commercial fleet holds fairly steady through economic uncertainty... ... though the size of the bus and coach fleet may be near a plateau… …and the growth of the lorry and heavy commercial vehicle fleet appears equally flat Segmentation of the fleet market by type of insurance buyer Passenger cars In Sweden, almost all leasing companies offer insurance… …with operational leasing firms making up the largest individual portion of the fleet insurance market Taxi and private hire car firms show only limited growth… …while the driving school parc is estimated to have declined slightly Commercial vehicles One third of commercial vehicles are part of the operational leasing parc... …while van and lorry hire firms have posted the largest growth among commercial vehicles since 2007… ... though other sectors showed much more modest growth Fleet insurance and assistance market size Fleet motor insurance has recovered from its 2007 market low.... ... with a sharp rise in average prices for 2010 and 2011 Passenger car fleet insurance The high proportion of fleet cars in Sweden makes the ‘other’ category exceptionally large... …while car hire companies show the highest average annual growth rate Commercial vehicle fleet insurance The insurance market for fleet commercial vehicles is significantly smaller than that for passenger cars More than half of commercial fleet premiums come from the ‘other’ category Van and lorry hire firms show strong annual growth in premiums paid Road assistance The road assistance market has increased since 2007 despite a period of reduced growth Distribution partnerships for fleet insurance and assistance 60 actual or potential distributors are included in the scope of this research Motor insurance Only one fifth of trade associations have created a partnership for motor insurance Norwegian bank DnB Nor holds a large segment of both operational and finance leasing markets Road assistance As with insurance, few associations offer roadside assistance… ... while commercial partnerships offer multiple configurations involving insurers and specialist providers If Försäkringar has a large number of relationships for road assistance... …while Assistancekåren and Falck alone act as nationwide roadside assistance providers GAP insurance Only two vehicle leasing firms offer GAP insurance Other key insurance and assistance providers The motor fleet market is dominated by national and regional insurers... ... while telematics are yet to breach the insurance market Forecasts for fleet motor insurance and road assistance Motor insurance Rapid recovery will give way to slower increases in volume and revenue Operating lease firms are projected to show the strongest growth in premiums among passenger cars... ... and also among fleet commercial vehicles Road assistance Passenger car fleets and commercial vehicle fleets should experience equal growth
Introduction Size of the car and commercial vehicle fleet market The fleet vehicle parc fell modestly in the recession, and more than recovered in 2011 Switzerland has the smallest heavy commercial vehicle parc per capita of the ten countries in this report Local authorities and the post office run most bus and coach services Segmentation of the fleet market by type of insurance buyer Passenger cars Operating leases are not the dominant form of finance for fleets in Switzerland... ... though their share of the fleet car market is growing Car registrations have risen well since a low in 2009 Commercial vehicles Operational lease flets have expanded since 2007... ... while haulage fleets have declined, for both road haulage and own account transport Fleet insurance and assistance market size The overall motor insurance market has remained broadly stagnant up to 2010 The fleet sector reached a new peak in 2011 Passenger car fleet insurance Premiums paid by operational leasing companies have risen the fastest since 2007... ... followed by the motor trade in second place Commercial vehicle fleet insurance The small number of commercial vehicles in Switzerland means that the fleet insurance market is also small Haulage accounts for nearly 30% of the fleet commercial vehicle insurance market Road assistance The road assistance market has grown with the fleet vehicle parc Distribution partnerships for fleet insurance and assistance 60 actual or potential distributors are covered by this research Motor insurance Only a minority of trade associations make fleet motor insurance available to their members Most commercial organisations offering fleet motor insurance work with a single external underwriter Glausen & Partner handles motor insurance for 20% of the members of a major Swiss association Among underwriters AXA Winterthur has the highest number of partnerships... ...followed by Allianz Road assistance Road assistance provision for trade associations always comes from the same source as motor insurance... ... while it is offered by two thirds of the commercial partners surveyed Allianz, AXA Winterthur and TCS have the highest number of partnerships GAP insurance There is no strong rationale to take out GAP insurance in Switzerland Other key insurance and assistance providers Many Swiss companies still opt to insure their cars individually rather than through collective contracts Allianz has introduced telematics to help with assistance Forecasts for fleet motor insurance and road assistance Motor insurance An increase in the fleet vehicle parc and rising prices should send premiums higher... ... with the trend towards operational leasing expected to continue Road assistance Low inflation means that growth in revenues will mostly come mostly a rise in the fleet vehicle parc
Introduction Size of the car and commercial vehicle fleet market The car rental and road haulage fleet markets suffered most in the recession... ... though the size of the bus and coach fleet is in long-term decline Segmentation of the fleet market by type of insurance buyer Passenger cars In the UK, insurance is not included with an operating lease... ... but new regulations will fine operating lease companies for non-insured vehicles anyway The motor trade has the largest fleet of passenger cars among transport-related segments The UK’s two largest driving schools have had the same owner since January 2011 Commercial vehicles Road haulage companies form the largest specialist transport segment... ... though own account haulage and the motor trade are the only sectors that grew between 2007 and 2011 Fleet insurance and assistance market size Fleet motor insurance has declined as a share of the total since 2007.... ... because of trends in pricing as well as in the underlying vehicle parc Passenger car fleet insurance Car hire companies pay the highest average premiums among specialist motor segments Commercial vehicle fleet insurance The insurance market for fleet commercial vehicles has fallen behind that for passenger cars since 2009 Road assistance The road assistance market has recovered from a low in 2009 Distribution partnerships for fleet insurance and assistance 80 actual or potential distributors are covered by this research Motor insurance Nearly half of these trade associations and commercial organisations have a partner for motor insurance 22 brokers share 26 partnerships for motor insurance... ... while two-thirds of partnerships with insurers are concentrated among three underwriters Road assistance Affinity partnerships often rely on motor insurance brokers to provide road assistance as well... ... while commercial partnerships are concentrated on specialist assistance providers Nine brokers have one partnership each... ... while two assistance providers share more than 40 partnerships between them GAP insurance GAP insurance is offered by nearly half of the leasing companies and leasing brokers surveyed Six brokers and six underwriters were identified for GAP insurance Other key insurance and assistance providers The size of the motor fleet market means that all major insurance brokers are active in this area... ... while high-risk segments are often covered by Lloyd’s syndicates Captives and self-insurance offer alternative means of insuring fleets... ... while telematics can also help to reduce insurance costs Specialist assistance providers serve the road haulage industry Forecasts for fleet motor insurance and road assistance Motor insurance Premiums are expected to rise faster for fleet passenger cars than for fleet commercial vehicles Car hire firms are expected to show the strongest growth in premiums among passenger cars... ... while road haulage has the best prospects among fleet commercial vehicles Road assistance Premiums are expected to rise faster for passenger car fleets than for commercial vehicles 0.0 EXECUTIVE SUMMARY Share of fleet passenger car motor insurance market in Europe by industry segment, 2011 Share of fleet commercial vehicle motor insurance market in Europe by industry segment, 2011 Share of partnerships of top eight underwriters of affinity and commercial partnerships for fleet motor insurance across Europe, 2011
1.0 INTRODUCTION Organisations contacted by Finaccord, segmented by country and category
2.0 EUROPEAN OVERVIEW Size of the fleet vehicle parc in Europe by type of vehicle and its share of total vehicle parc, 2011 Size of the fleet vehicle parc in Europe by type of vehicle and its share of total vehicle parc, 2007 to 2011 (data) Segmentation of the fleet vehicle parc in Europe by country, 2011 Growth rate of the fleet vehicle parc in Europe by country, 2007 to 2011 Fleet vehicle parc in Europe by country, 2007 to 2011 (data) Fleet vehicle parc share of total vehicle parc in Europe by type of vehicle and by country, 2011 Fleet vehicle parc share of total vehicle parc in Europe by type of vehicle and by country, 2011(data) Share of fleet passenger car parc in Europe by industry segment, 2011 Growth rate of the fleet passenger car parc in Europe by industry segment, 2007 to 2011 Fleet passenger car parc in Europe by industry segment, 2011 (data) Share of fleet commercial vehicle parc in Europe by industry segment, 2011 Growth rate of the fleet commercial vehicle parc in Europe by industry segment, 2007 to 2011 Fleet passenger car parc in Europe by industry segment, 2011 (data) Size of the fleet motor insurance market and its share of the total motor insurance in Europe, 2007 to 2011 Size of the fleet motor insurance market by type of vehicles in Europe, 2011 Fleet motor insurance market by type of vehicle and its share of the total motor insurance in Europe, GWP 2007 to 2011 (data) Segmentation of the fleet motor insurance market in Europe by country, 2011 Fleet vehicle parc share of total motor insurance GWP and as share of total vehicle parc in Europe by country, 2011 Growth rate of the fleet motor insurance market in Europe by country, 2007 to 2011 Fleet motor insurance in Europe by country, GWP 2007 to 2011 (data) Share of fleet passenger car motor insurance market in Europe by industry segment, 2011 Growth rate of the fleet passenger car motor insurance market in Europe by industry segment, 2007 to 2011 Fleet passenger car motor insurance market in Europe by industry segment, GWP 2007 to 2011 (data) Share of fleet commercial vehicle motor insurance market in Europe by industry segment, 2011 Growth rate of the fleet commercial vehicle motor insurance market in Europe by industry segment, 2007 to 2011 Fleet commercial vehicle motor insurance market in Europe by industry segment, GWP 2007 to 2011 (data) Size of the fleet road assistance market in Europe, 2007 to 2011 Share of fleet road assistance market in Europe by country, 2011 Size of the fleet road assistance market in Europe by country, 2007 to 2011 (data) Forecast value and growth rate for the fleet passenger car insurance market in Europe by country, 2011 to 2015 Forecast value and growth rate for the fleet passenger car insurance market in Europe by segment, 2011 to 2015 Forecast value and growth rate for the fleet commercial vehicle insurance market in Europe by country, 2011 to 2015 Forecast value and growth rate for the fleet commercial vehicle insurance market in Europe by country, 2011 to 2015 Forecast value and growth rate for fleet road assistance in Europe by country, 2011 to 2015 Affinity schemes and commercial partnerships for fleet motor insurance in Europe: provision rate among trade associations and commercial organisations by country, 2011 Affinity schemes and commercial partnerships for fleet motor insurance in Europe: provision rate among trade associations and commercial organisations by country, 2011 (data) Affinity schemes for fleet motor insurance in Europe: operating models among trade associations by country, 2011 Affinity schemes for fleet motor insurance in Europe: operating models among trade associations by country, 2011 (data) Commercial partnerships for fleet motor insurance in Europe: operating models among commercial organisations by country, 2011 Commercial partnerships for fleet motor insurance in Europe: operating models among commercial organisations by country, 2011 (data) Share of partnerships of top five brokers of affinity and commercial partnerships for fleet motor insurance in Europe by country, 2011 Share of partnerships of top five brokers of affinity and commercial partnerships for fleet motor insurance in Europe by country, 2011 (data) Share of broker partnerships of Aon, Marsh and Willis for fleet motor insurance in Europe, 2011 Share of partnerships of top five underwriters of affinity and commercial partnerships for fleet motor insurance in Europe by country, 2011 Share of partnerships of top five underwriters of affinity and commercial partnerships for fleet motor insurance in Europe by country, 2011 (data) Share of partnerships of top eight underwriters of affinity and commercial partnerships for fleet motor insurance across Europe, 2011 Affinity schemes and commercial partnerships for fleet road assistance in Europe: provision rate among trade associations and commercial organisations by country, 2011 Affinity schemes and commercial partnerships for fleet road assistance in Europe: provision rate among trade associations and commercial organisations by country, 2011 (data) Affinity schemes for fleet road assistance in Europe: operating models among trade associations by country, 2011 Affinity schemes for fleet road assistance in Europe: operating models among trade associations by country, 2011 (data) Commercial partnerships for fleet road assistance in Europe: operating models among commercial organisations by country, 2011 Commercial partnerships for fleet road assistance in Europe: operating models among commercial organisations by country, 2011 (data) Share of partnerships of top five brokers of affinity and commercial partnerships for fleet road assistance in Europe by country, 2011 Share of partnerships of top five brokers of affinity and commercial partnerships for fleet road assistance in Europe by country, 2011 (data) Share of partnerships of top five assistance providers of affinity and commercial partnerships for fleet road assistance in Europe by country, 2011 Share of partnerships of top five assistance providers of affinity and commercial partnerships for fleet road assistance in Europe by country, 2011 (data) Share of partnerships of top 11 assistance providers of affinity and commercial partnerships for fleet road assistance across Europe, 2011 Commercial partnerships for fleet GAP insurance in Europe: provision rate among by country, 2011 Commercial partnerships for fleet GAP insurance in Europe: operating models by country, 2011 Commercial partnerships for fleet GAP insurance in Europe: operating models by country, 2011 (data) Share of partnerships of top five brokers for fleet GAP insurance in Europe by country, 2011 Share of partnerships of top five brokers for fleet GAP insurance in Europe by country, 2011 (data) Share of partnerships of top five underwriters for fleet GAP insurance in Europe by country, 2011 Share of partnerships of top five underwriters for fleet GAP insurance in Europe by country, 2011 (data) Share of partnerships of top nine underwriters of fleet GAP insurance across Europe, 2011 Value of the fleet car hire insurance market by country, 2011, and growth rates 2007 to 2011 and 2011-2015 Size of the fleet car hire parc in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet car hire insurance market in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet driving school insurance market by country, 2011, and growth rates 2007 to 2011 and 2011-2015 Size of the fleet driving school parc in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet driving school insurance market in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet motor trade passenger car insurance market by country, 2011, and growth rates 2007 to 2011 and 2011-2015 Size of the fleet motor trade passenger car parc in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet motor trade passenger car insurance market in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet operational leasing passenger car insurance market by country, 2011, and growth rates 2007 to 2011 and 2011-2015 Size of the fleet operational leasing passenger car parc in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet operational leasing passenger car insurance market in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet taxi insurance market by country, 2011, and growth rates 2007 to 2011 and 2011-2015 Size of the fleet taxi parc in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet taxi insurance market in Europe, by country, 2007 to 2011 and 2015 (data) Value of the ‘other’ fleet car insurance market by country, 2011, and growth rates 2007 to 2011 and 2011-2015 Size of the ‘other’ fleet car parc in Europe, by country, 2007 to 2011 and 2015 (data) Value of the ‘other’ fleet car insurance market in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet courier and postal services insurance market by country, 2011, and growth rates 2007 to 2011 and 2011-2015 Size of the fleet courier and postal services in vehicle parc in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet courier and postal services insurance market in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet motor trade commercial vehicle insurance market by country, 2011, and growth rates 2007 to 2011 and 2011-2015 Size of the fleet motor trade commercial vehicle parc in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet motor trade commercial vehicle insurance market in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet operational leasing commercial vehicle insurance market by country, 2011, and growth rates 2007 to 2011 and 2011-2015 Size of the fleet operational leasing commercial vehicle parc in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet operational leasing commercial vehicle insurance market in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet own account haulage insurance market by country, 2011, and growth rates 2007 to 2011 and 2011-2015 Size of the fleet own account haulage vehicle parc in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet own account haulage insurance market in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet removal firm insurance market by country, 2011, and growth rates 2007 to 2011 and 2011-2015 Size of the fleet removal firm vehicle parc in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet removal firm insurance market in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet road haulage insurance market by country, 2011, and growth rates 2007 to 2011 and 2011-2015 Size of the fleet road haulage vehicle parc in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet road haulage insurance market in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet van and lorry hire insurance market by country, 2011, and growth rates 2007 to 2011 and 2011-2015 Size of the fleet van and lorry hire vehicle parc in Europe, by country, 2007 to 2011 and 2015 (data) Value of the fleet van and lorry hire insurance market in Europe, by country, 2007 to 2011 and 2015 (data) Value of the ‘other’ fleet commercial vehicle insurance market by country, 2011, and growth rates 2007 to 2011 and 2011-2015 Size of the ‘other’ fleet commercial vehicle parc in Europe, by country, 2007 to 2011 and 2015 (data) Value of the ‘other’ fleet commercial vehicle insurance market in Europe, by country, 2007 to 2011 and 2015 (data)
3.0 BELGIUM Size of the fleet vehicle parc in Belgium, 2007 to 2011 Size of the fleet vehicle parc in Belgium, 2007 to 2011 (data) Size of the passenger car fleet parc by type of insurance buyer in Belgium, 2011 Growth in the passenger car fleet parc by type of insurance buyer in Belgium, 2007 to 2011 Size of the passenger car fleet parc by type of insurance buyer in Belgium, 2007 to 2011 (data) Size of the commercial vehicle fleet parc by type of insurance buyer in Belgium, 2011 Growth in the commercial vehicle fleet parc by type of insurance buyer in Belgium, 2007 to 2011 Size of the commercial vehicle fleet parc by type of insurance buyer in Belgium, 2007 to 2011 (data) Size of the fleet motor insurance market and its share of the total motor insurance in Belgium, 2007 to 2011 Size of the motor insurance market segmented by fleet and non-fleet and by type of vehicles in Belgium, 2007 to 2011 (data) Size of the passenger car fleet motor insurance market in Belgium by type of insurance buyer, 2011 Growth in the passenger car fleet motor insurance market by type of insurance buyer in Belgium, 2007 to 2011 Size of the passenger car fleet motor insurance market in Belgium by type of insurance buyer, 2007 to 2011 (data) Size of the commercial vehicle fleet motor insurance market in Belgium by type of insurance buyer, 2011 Growth in the commercial vehicle fleet motor insurance market by type of insurance buyer in Belgium, 2007 to 2011 Size of the commercial vehicle fleet motor insurance market in Belgium by type of insurance buyer, 2007 to 2011 (data) Size of the fleet road assistance market in Belgium, 2007 to 2011 Affinity schemes for fleet motor insurance in Belgium: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet motor insurance in Belgium: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet motor insurance in Belgium: broker and underwriter share of partnerships, 2011 Affinity schemes for fleet road assistance in Belgium: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet road assistance in Belgium: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet road assistance in Belgium: broker and assistance provider share of partnerships, 2011 Commercial partnerships for fleet GAP insurance in Belgium: provision rate and operating models, 2011 Commercial partnerships for fleet GAP insurance in Belgium: broker and underwriter share of partnerships, 2011 Forecast change for the passenger car fleet insurance market by type of insurance buyer in Belgium, 2011 to 2015 Forecast premiums for the passenger car fleet insurance market by type of insurance buyer in Belgium, 2011 and 2015 (data) Forecast change for the commercial vehicle fleet insurance market by type of insurance buyer in Belgium, 2011 to 2015 Forecast premiums for the commercial vehicle fleet insurance market by type of insurance buyer in Belgium, 2011 and 2015 (data) Forecast premiums for the fleet road assistance market in Belgium, 2011 and 2015
4.0 FRANCE Size of the fleet vehicle parc in France, 2007 to 2011 Size of the fleet vehicle parc in France, 2007 to 2011 (data) Size of the passenger car fleet parc by type of insurance buyer in France, 2011 Growth in the passenger car fleet parc by type of insurance buyer in France, 2007 to 2011 Size of the passenger car fleet parc by type of insurance buyer in France, 2007 to 2011 (data) Size of the commercial vehicle fleet parc by type of insurance buyer in France, 2011 Growth in the commercial vehicle fleet parc by type of insurance buyer in France, 2007 to 2011 Size of the commercial vehicle fleet parc by type of insurance buyer in France, 2007 to 2011 (data) Size of the fleet motor insurance market and its share of the total motor insurance in France, 2007 to 2011 Size of the motor insurance market segmented by fleet and non-fleet and by type of vehicles in France, 2007 to 2011 (data) Size of the passenger car fleet motor insurance market in France by type of insurance buyer, 2011 Growth in the passenger car fleet motor insurance market by type of insurance buyer in France, 2007 to 2011 Size of the passenger car fleet motor insurance market in France by type of insurance buyer, 2007 to 2011 (data) Size of the commercial vehicle fleet motor insurance market in France by type of insurance buyer, 2011 Growth in the commercial vehicle fleet motor insurance market by type of insurance buyer in France, 2007 to 2011 Size of the commercial vehicle fleet motor insurance market in France by type of insurance buyer, 2007 to 2011 (data) Size of the fleet road assistance market in France, 2007 to 2011 Affinity schemes for fleet motor insurance in France: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet motor insurance in France: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet motor insurance in France: broker and underwriter share of partnerships, 2011 Affinity schemes for fleet road assistance in France: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet road assistance in France: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet road assistance in France: broker and assistance provider share of partnerships, 2011 Commercial partnerships for fleet GAP insurance in France: provision rate and operating models, 2011 Commercial partnerships for fleet GAP insurance in France: broker and underwriter share of partnerships, 2011 Forecast change for the passenger car fleet insurance market by type of insurance buyer in France, 2011 to 2015 Forecast premiums for the passenger car fleet insurance market by type of insurance buyer in France, 2011 and 2015 (data) Forecast change for the commercial vehicle fleet insurance market by type of insurance buyer in France, 2011 to 2015 Forecast premiums for the commercial vehicle fleet insurance market by type of insurance buyer in France, 2011 and 2015 (data) Forecast premiums for the fleet road assistance market in France, 2011 and 2015
5.0 GERMANY Size of the fleet vehicle parc in Germany, 2007 to 2011 Size of the fleet vehicle parc in Germany, 2007 to 2011 (data) Size of the passenger car fleet parc by type of insurance buyer in Germany, 2011 Growth in the passenger car fleet parc by type of insurance buyer in Germany, 2007 to 2011 Size of the passenger car fleet parc by type of insurance buyer in Germany, 2007 to 2011 (data) Size of the commercial vehicle fleet parc by type of insurance buyer in Germany, 2011 Growth in the commercial vehicle fleet parc by type of insurance buyer in Germany, 2007 to 2011 Size of the commercial vehicle fleet parc by type of insurance buyer in Germany, 2007 to 2011 (data) Size of the fleet motor insurance market and its share of the total motor insurance in Germany, 2007 to 2011 Size of the motor insurance market segmented by fleet and non-fleet and by type of vehicles in Germany, 2007 to 2011 (data) Size of the passenger car fleet motor insurance market in Germany by type of insurance buyer, 2011 Growth in the passenger car fleet motor insurance market by type of insurance buyer in Germany, 2007 to 2011 Size of the passenger car fleet motor insurance market in Germany by type of insurance buyer, 2007 to 2011 (data) Size of the commercial vehicle fleet motor insurance market in Germany by type of insurance buyer, 2011 Growth in the commercial vehicle fleet motor insurance market by type of insurance buyer in Germany, 2007 to 2011 Size of the commercial vehicle fleet motor insurance market in Germany by type of insurance buyer, 2007 to 2011 (data) Size of the fleet road assistance market in Germany, 2007 to 2011 Affinity schemes for fleet motor insurance in Germany: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet motor insurance in Germany: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet motor insurance in Germany: broker share of partnerships, 2011 Partner Broker Affinity schemes and commercial partnerships for fleet motor insurance in Germany: underwriter number and share of partnerships, 2011 Affinity schemes for fleet road assistance in Germany: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet road assistance in Germany: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet road assistance in Germany: broker share of partnerships, 2011 Partner Broker Affinity schemes and commercial partnerships for fleet road assistance in Germany: assistance provider number and share of partnerships, 2011 Commercial partnerships for fleet GAP insurance in Germany: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet GAP insurance in Germany: underwriter share of partnerships, 2011 Forecast change for the passenger car fleet insurance market by type of insurance buyer in Germany, 2011 to 2015 Forecast premiums for the passenger car fleet insurance market by type of insurance buyer in Germany, 2011 and 2015 (data) Forecast change for the commercial vehicle fleet insurance market by type of insurance buyer in Germany, 2011 to 2015 Forecast premiums for the commercial vehicle fleet insurance market by type of insurance buyer in Germany, 2011 and 2015 (data) Forecast for the fleet road assistance market in Germany, 2011 and 2015
6.0 ITALY Size of the fleet vehicle parc in Italy, 2007 to 2011 Size of the fleet vehicle parc in Italy, 2007 to 2011 (data) Size of the passenger car fleet parc by type of insurance buyer in Italy, 2011 Growth in the passenger car fleet parc by type of insurance buyer in Italy, 2007 to 2011 Size of the passenger car fleet parc by type of insurance buyer in Italy, 2007 to 2011 (data) Size of the commercial vehicle fleet parc by type of insurance buyer in Italy, 2011 Growth in the commercial vehicle fleet parc by type of insurance buyer in Italy, 2007 to 2011 Size of the commercial vehicle fleet parc by type of insurance buyer in Italy, 2007 to 2011 (data) Size of the fleet motor insurance market and its share of the total motor insurance in Italy, 2007 to 2011 Size of the motor insurance market segmented by fleet and non-fleet and by type of vehicles in Italy, 2007 to 2011 (data) Size of the passenger car fleet motor insurance market in Italy by type of insurance buyer, 2011 Growth in the passenger car fleet motor insurance market by type of insurance buyer in Italy, 2007 to 2011 Size of the passenger car fleet motor insurance market in Italy by type of insurance buyer, 2007 to 2011 (data) Size of the commercial vehicle fleet motor insurance market in Italy by type of insurance buyer, 2011 Growth in the commercial vehicle fleet motor insurance market by type of insurance buyer in Italy, 2007 to 2011 Size of the commercial vehicle fleet motor insurance market in Italy by type of insurance buyer, 2007 to 2011 (data) Size of the fleet road assistance market in Italy, 2007 to 2011 Affinity schemes for fleet motor insurance in Italy: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet motor insurance in Italy: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet motor insurance in Italy: broker and underwriter share of partnerships, 2011 Affinity schemes for fleet road assistance in Italy: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet road assistance in Italy: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet road assistance in Italy: assistance provider share of partnerships, 2011 Commercial partnerships for fleet GAP insurance in Italy: provision rate and operating models, 2011 Commercial partnerships for fleet GAP insurance in Italy: underwriter share of partnerships, 2011 Forecast change for the passenger car fleet insurance market by type of insurance buyer in Italy, 2011 to 2015 Forecast premiums for the passenger car fleet insurance market by type of insurance buyer in Italy, 2011 and 2015 (data) Forecast change for the commercial vehicle fleet insurance market by type of insurance buyer in Italy, 2011 to 2015 Forecast premiums for the commercial vehicle fleet insurance market by type of insurance buyer in Italy, 2011 and 2015 (data) Forecast for the fleet road assistance market in Italy, 2011 and 2015
7.0 NETHERLANDS Size of the fleet vehicle parc in the Netherlands, 2007 to 2011 Size of the fleet vehicle parc in the Netherlands, 2007 to 2011 (data) Size of the passenger car fleet parc by type of insurance buyer in the Netherlands, 2011 Growth in the passenger car fleet parc by type of insurance buyer in the Netherlands, 2007 to 2011 Size of the passenger car fleet parc by type of insurance buyer in the Netherlands, 2007 to 2011 (data) Size of the commercial vehicle fleet parc by type of insurance buyer in the Netherlands, 2011 Growth in the commercial vehicle fleet parc by type of insurance buyer in the Netherlands, 2007 to 2011 Size of the commercial vehicle fleet parc by type of insurance buyer in the Netherlands, 2007 to 2011 (data) Size of the fleet motor insurance market and its share of the total motor insurance in the Netherlands, 2007 to 2011 Size of the motor insurance market segmented by fleet and non-fleet and by type of vehicles in the Netherlands, 2007 to 2011 (data) Size of the passenger car fleet motor insurance market in the Netherlands by type of insurance buyer, 2011 Growth in the passenger car fleet motor insurance market by type of insurance buyer in the Netherlands, 2007 to 2011 Size of the passenger car fleet motor insurance market in the Netherlands by type of insurance buyer, 2007 to 2011 (data) Size of the commercial vehicle fleet motor insurance market in the Netherlands by type of insurance buyer, 2011 Growth in the commercial vehicle fleet motor insurance market by type of insurance buyer in the Netherlands, 2007 to 2011 Size of the commercial vehicle fleet motor insurance market in the Netherlands by type of insurance buyer, 2007 to 2011 (data) Size of the fleet road assistance market in the Netherlands, 2007 to 2011 Affinity schemes for fleet motor insurance in the Netherlands: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet motor insurance in the Netherlands: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet motor insurance in the Netherlands: broker and underwriter share of partnerships, 2011 Affinity schemes for fleet road assistance in the Netherlands: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet road assistance in the Netherlands: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet road assistance in the Netherlands: assistance provider share of partnerships, 2011 Forecast change for the passenger car fleet insurance market by type of insurance buyer in the Netherlands, 2011 to 2015 Forecast premiums for the passenger car fleet insurance market by type of insurance buyer in the Netherlands, 2011 and 2015 (data) Forecast change for the commercial vehicle fleet insurance market by type of insurance buyer in the Netherlands, 2011 to 2015 Forecast premiums for the commercial vehicle fleet insurance market by type of insurance buyer in the Netherlands, 2011 and 2015 (data) Forecast for the fleet road assistance market in the Netherlands, 2011 and 2015
8.0 POLAND Size of the fleet vehicle parc in Poland, 2007 to 2011 Size of the fleet vehicle parc in Poland, 2007 to 2011 (data) Size of the passenger car fleet parc by type of insurance buyer in Poland, 2011 Growth in the passenger car fleet parc by type of insurance buyer in Poland, 2007 to 2011 Size of the passenger car fleet parc by type of insurance buyer in Poland, 2007 to 2011 (data) Size of the commercial vehicle fleet parc by type of insurance buyer in Poland, 2011 Growth in the commercial vehicle fleet parc by type of insurance buyer in Poland, 2007 to 2011 Size of the commercial vehicle fleet parc by type of insurance buyer in Poland, 2007 to 2011 (data) Size of the fleet motor insurance market and its share of the total motor insurance in Poland, 2007 to 2011 Size of the motor insurance market segmented by fleet and non-fleet and by type of vehicles in Poland, 2007 to 2011 (data) Size of the passenger car fleet motor insurance market in Poland by type of insurance buyer, 2011 Growth in the passenger car fleet motor insurance market by type of insurance buyer in Poland, 2007 to 2011 Size of the passenger car fleet motor insurance market in Poland by type of insurance buyer, 2007 to 2011 (data) Size of the commercial vehicle fleet motor insurance market in Poland by type of insurance buyer, 2011 Growth in the commercial vehicle fleet motor insurance market by type of insurance buyer in Poland, 2007 to 2011 Size of the commercial vehicle fleet motor insurance market in Poland by type of insurance buyer, 2007 to 2011 (data) Size of the fleet road assistance market in Poland, 2007 to 2011 Affinity schemes for fleet motor insurance in Poland: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet motor insurance in Poland: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet motor insurance in Poland: broker and underwriter share of partnerships, 2011 Affinity schemes for fleet road assistance in Poland: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet road assistance in Poland: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet road assistance in Poland: broker and assistance provider share of partnerships, 2011 Commercial partnerships for fleet GAP insurance in Poland: provision rate and operating models, 2011 Commercial and affinity partnerships for fleet GAP insurance in Poland: broker and underwriter share of partnerships, 2011 Forecast change for the passenger car fleet insurance market by type of insurance buyer in Poland, 2011 to 2015 Forecast premiums for the passenger car fleet insurance market by type of insurance buyer in Poland, 2011 and 2015 (data) Forecast change for the commercial vehicle fleet insurance market by type of insurance buyer in Poland, 2011 to 2015 Forecast premiums for the commercial vehicle fleet insurance market by type of insurance buyer in Poland, 2011 and 2015 (data) Forecast premiums for the fleet road assistance market in Poland, 2011 and 2015
9.0 SPAIN Size of the fleet vehicle parc in Spain, 2007 to 2011 Size of the fleet vehicle parc in Spain, 2007 to 2011 (data) Size of the passenger car fleet parc by type of insurance buyer in Spain, 2011 Growth in the passenger car fleet parc by type of insurance buyer in Spain, 2007 to 2011 Size of the passenger car fleet parc by type of insurance buyer in Spain, 2007 to 2011 (data) Size of the commercial vehicle fleet parc by type of insurance buyer in Spain, 2011 Growth in the commercial vehicle fleet parc by type of insurance buyer in Spain, 2007 to 2011 Size of the commercial vehicle fleet parc by type of insurance buyer in Spain, 2007 to 2011 (data) Size of the fleet motor insurance market and its share of the total motor insurance in Spain, 2007 to 2011 Size of the motor insurance market segmented by fleet and non-fleet and by type of vehicles in Spain, 2007 to 2011 (data) Size of the passenger car fleet motor insurance market in Spain by type of insurance buyer, 2011 Growth in the passenger car fleet motor insurance market by type of insurance buyer in Spain, 2007 to 2011 Size of the passenger car fleet motor insurance market in Spain by type of insurance buyer, 2007 to 2011 (data) Size of the commercial vehicle fleet motor insurance market in Spain by type of insurance buyer, 2011 Growth in the commercial vehicle fleet motor insurance market by type of insurance buyer in Spain, 2007 to 2011 Size of the commercial vehicle fleet motor insurance market in Spain by type of insurance buyer, 2007 to 2011 (data) Size of the fleet road assistance market in Spain, 2007 to 2011 Affinity schemes for fleet motor insurance in Spain: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet motor insurance in Spain: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet motor insurance in Spain: broker and underwriter share of partnerships, 2011 Affinity schemes for fleet road assistance in Spain: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet road assistance in Spain: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet road assistance in Spain: broker and assistance provider share of partnerships, 2011 Forecast change for the passenger car fleet insurance market by type of insurance buyer in Spain, 2011 to 2015 Forecast premiums for the passenger car fleet insurance market by type of insurance buyer in Spain, 2011 and 2015 (data) Forecast change for the commercial vehicle fleet insurance market by type of insurance buyer in Spain, 2011 to 2015 Forecast premiums for the commercial vehicle fleet insurance market by type of insurance buyer in Spain, 2011 and 2015 (data) Forecast premiums for the fleet road assistance market in Spain, 2011 and 2015
10.0 SWEDEN Size of the fleet vehicle parc in Sweden, 2007 to 2011 Size of the fleet vehicle parc in Sweden, 2007 to 2011 (data) Size of the passenger car fleet parc by type of insurance buyer in Sweden, 2011 Growth in the passenger car fleet parc by type of insurance buyer in Sweden, 2007 to 2011 Size of the passenger car fleet parc by type of insurance buyer in Sweden, 2007 to 2011 (data) Size of the commercial vehicle fleet parc by type of insurance buyer in Sweden, 2011 Growth in the commercial vehicle fleet parc by type of insurance buyer in Sweden, 2007 to 2011 Size of the commercial vehicle fleet parc by type of insurance buyer in Sweden, 2007 to 2011 (data) Size of the fleet motor insurance market and its share of the total motor insurance in Sweden, 2007 to 2011 Size of the motor insurance market segmented by fleet and non-fleet and by type of vehicles in Sweden, 2007 to 2011 (data) Size of the passenger car fleet motor insurance market in Sweden by type of insurance buyer, 2011 Growth in the passenger car fleet motor insurance market by type of insurance buyer in Sweden, 2007 to 2011 Size of the passenger car fleet motor insurance market in Sweden by type of insurance buyer, 2007 to 2011 (data) Size of the commercial vehicle fleet motor insurance market in Sweden by type of insurance buyer, 2011 Growth in the commercial vehicle fleet motor insurance market by type of insurance buyer in Sweden, 2007 to 2011 Size of the commercial vehicle fleet motor insurance market in Sweden by type of insurance buyer, 2007 to 2011 (data) Size of the fleet road assistance market in Sweden, 2007 to 2011 Affinity schemes for fleet motor insurance in Sweden: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet motor insurance in Sweden: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet motor insurance in Sweden: broker and underwriter share of partnerships, 2011 Affinity schemes for fleet road assistance in Sweden: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet road assistance in Sweden: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet road assistance in Sweden: broker and assistance provider share of partnerships, 2011 Commercial partnerships for fleet GAP insurance in Sweden: provision rate and operating models, 2011 Commercial partnerships for fleet GAP insurance in Sweden: underwriter share of partnerships, 2011 Forecast change for the passenger car fleet insurance market by type of insurance buyer in Sweden, 2011 to 2015 Forecast premiums for the passenger car fleet insurance market by type of insurance buyer in Sweden, 2011 and 2015 (data) Forecast change for the commercial vehicle fleet insurance market by type of insurance buyer in Sweden, 2011 to 2015 Forecast premiums for the commercial vehicle fleet insurance market by type of insurance buyer in Sweden, 2011 and 2015 (data) Forecast premiums for the fleet road assistance market in Sweden, 2011 and 2015
11.0 SWITZERLAND Size of the fleet vehicle parc in Switzerland, 2007 to 2011 Size of the fleet vehicle parc in Switzerland, 2007 to 2011 (data) Size of the passenger car fleet parc by type of insurance buyer in Switzerland, 2011 Growth in the passenger car fleet parc by type of insurance buyer in Switzerland, 2007 to 2011 Size of the passenger car fleet parc by type of insurance buyer in Switzerland, 2007 to 2011 (data) Size of the commercial vehicle fleet parc by type of insurance buyer in Switzerland, 2011 Growth in the commercial vehicle fleet parc by type of insurance buyer in Switzerland, 2007 to 2011 Size of the commercial vehicle fleet parc by type of insurance buyer in Switzerland, 2007 to 2011 (data) Size of the fleet motor insurance market and its share of the total motor insurance in Switzerland, 2007 to 2011 Size of the motor insurance market segmented by fleet and non-fleet and by type of vehicles in Switzerland, 2007 to 2011 (data) Size of the passenger car fleet motor insurance market in Switzerland by type of insurance buyer, 2011 Growth in the passenger car fleet motor insurance market by type of insurance buyer in Switzerland, 2007 to 2011 Size of the passenger car fleet motor insurance market in Switzerland by type of insurance buyer, 2007 to 2011 (data) Size of the commercial vehicle fleet motor insurance market in Switzerland by type of insurance buyer, 2011 Growth in the commercial vehicle fleet motor insurance market by type of insurance buyer in Switzerland, 2007 to 2011 Size of the commercial vehicle fleet motor insurance market in Switzerland by type of insurance buyer, 2007 to 2011 (data) Size of the fleet road assistance market in Switzerland, 2007 to 2011 Affinity schemes for fleet motor insurance in Switzerland: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet motor insurance in Switzerland: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet motor insurance in Switzerland: broker and underwriter share of partnerships, 2011 Affinity schemes for fleet road assistance in Switzerland: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet road assistance in Switzerland: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet road assistance in Switzerland: broker and assistance provider share of partnerships, 2011 Commercial partnerships for fleet GAP insurance in Switzerland: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet GAP insurance in Switzerland: underwriter number and share of partnerships, 2011 Forecast change for the passenger car fleet insurance market by type of insurance buyer in Switzerland, 2011 to 2015 Forecast premiums for the passenger car fleet insurance market by type of insurance buyer in Switzerland, 2011 and 2015 (data) Forecast change for the commercial vehicle fleet insurance market by type of insurance buyer in Switzerland, 2011 to 2015 Forecast premiums for the commercial vehicle fleet insurance market by type of insurance buyer in Switzerland, 2011 and 2015 (data) Forecast premiums for the fleet road assistance market in Switzerland, 2011 and 2015
12.0 UNITED KINGDOM Size of the fleet vehicle parc in the UK, 2007 to 2011 Size of the fleet vehicle parc in the UK, 2007 to 2011 (data) Size of the passenger car fleet parc by type of insurance buyer in the UK, 2011 Growth in the passenger car fleet parc by type of insurance buyer in the UK, 2007 to 2011 Size of the passenger car fleet parc by type of insurance buyer in the UK, 2007 to 2011 (data) Size of the commercial vehicle fleet parc by type of insurance buyer in the UK, 2011 Growth in the commercial vehicle fleet parc by type of insurance buyer in the UK, 2007 to 2011 Size of the commercial vehicle fleet parc by type of insurance buyer in the UK, 2007 to 2011 (data) Size of the fleet motor insurance market and its share of the total motor insurance in the UK, 2007 to 2011 Size of the motor insurance market segmented by fleet and non-fleet and by type of vehicles in the UK, 2007 to 2011 (data) Size of the passenger car fleet motor insurance market in the UK by type of insurance buyer, 2011 Growth in the passenger car fleet motor insurance market by type of insurance buyer in the UK, 2007 to 2011 Size of the passenger car fleet motor insurance market in the UK by type of insurance buyer, 2007 to 2011 (data) Size of the commercial vehicle fleet motor insurance market in the UK by type of insurance buyer, 2011 Growth in the commercial vehicle fleet motor insurance market by type of insurance buyer in the UK, 2007 to 2011 Size of the commercial vehicle fleet motor insurance market in the UK by type of insurance buyer, 2007 to 2011 (data) Size of the fleet road assistance market in the UK, 2007 to 2011 Affinity schemes for fleet motor insurance in the UK: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet motor insurance in the UK: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet motor insurance in the UK: broker and underwriter share of partnerships, 2011 Affinity schemes for fleet road assistance in the UK: provision rate and operating models among trade associations, 2011 Commercial partnerships for fleet road assistance in the UK: provision rate and operating models, 2011 Affinity schemes and commercial partnerships for fleet road assistance in the UK: broker and assistance provider share of partnerships, 2011 Commercial partnerships for fleet GAP insurance in the UK: provision rate and operating models, 2011 Commercial partnerships for fleet GAP insurance in the UK: broker and underwriter share of partnerships, 2011 Forecast change for the passenger car fleet insurance market by type of insurance buyer in the UK, 2011 to 2015 Forecast premiums for the passenger car fleet insurance market by type of insurance buyer in the UK, 2011 and 2015 (data) Forecast change for the commercial vehicle fleet insurance market by type of insurance buyer in the UK, 2011 to 2015 Forecast premiums for the commercial vehicle fleet insurance market by type of insurance buyer in the UK, 2011 and 2015 (data) Forecast premiums for the fleet road assistance market in the UK, 2011 and 2015 |
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