Mobile Telephone Insurance in Europe

Table of Contents

0.0 EXECUTIVE SUMMARY

• The number of mobile subscriptions continues to advance in all countries across Europe
• The value of mobile telephone insurance was slightly in excess of € 2 billion in 2008.....
• ..... with cross-selling rates believed to be highest in the Netherlands and the UK
• In certain countries, mobile network operators have not yet introduced insurance programs
• Most insurance schemes are organised in conjunction with one external underwriter or broker
• Bundling of mobile telephone insurance with banking products is common in France and the UK
• Significant providers are identifiable at both multi-country and national levels
• When mature, the market for mobile telephone insurance could triple from its current value.....
• ..... thereby making a greater contribution to the financial profile of mobile network operators

1.0 INTRODUCTION

• Rationale
• There is considerable scope for future expansion in most European countries
• Finaccord
• PartnerBASE™
• Methodology
• The survey extends to all significant network operators and other distributors of mobile telephones
• Definitions
• The underwriting emphasis of mobile telephone insurance differs from other types of policy

2.0 EUROPEAN OVERVIEW

• Introduction
• Underlying market data
• Mobile telephones
• Mobile telephone subscriptions across the 18 countries reach almost 530 million in 2008.....
• ..... with Italy and Portugal leading the way in terms of mobile subscriptions per capita
• Provision rates for mobile telephone insurance
• All distributors
• Schemes for mobile telephone insurance are most widespread in France, Ireland and the UK
• Mobile network operators
• All mobile network operators in four countries promote mobile telephone insurance
• Other distributors
• Retailers in Poland, the Czech Republic and Hungary are least likely to offer mobile insurance
• Risk coverage of mobile telephone insurance
• Mobile telephone insurance policies in the Netherlands offer the most comprehensive cover
• Operating models for mobile telephone insurance
• Providers adhere to a broad range of operating models for mobile telephone insurance
• Estimated cross-selling rates for mobile telephone insurance
• Cross-selling rates have advanced furthest in the UK but remain below 10% in most countries.....
• ..... which implies considerable apparent scope for future expansion
• Estimated market size for mobile telephone insurance
• The total market was worth in the region of € 2.05 billion in gross premiums written in 2008.....
• ..... although this could triple in value if rates of penetration reach the realistic maximum level
• Gross premiums written per mobile telephone subscriber vary hugely from country to country
• Mobile telephone insurance packaged with banking products
• Packaged mobile telephone insurance is a significant market feature only in France and the UK
• Other distribution channels for mobile telephone insurance
• In the UK, most mobile telephone insurance is sold through mobile network operators or retailers
• Other distribution options are beginning to emerge in a number of European countries

3.0 AUSTRIA

• Introduction
• Underlying market data
• Annual growth in mobile telephone subscriptions is below the average for Europe
• Survey results
• Penetration rates for mobile telephone insurance
• Mobile telephone insurance is reasonably well established in Austria
• Types of cover offered within mobile telephone insurance
• While most policies cover accidental damage and theft, few offer protection for airtime abuse
• Operating models and partners for mobile telephone insurance
• In terms of outright number of relationships, itonia it-insurance & service is the market leader
• Packaging with payment cards and bank accounts
• Packaged mobile telephone insurance is entirely absent from the Austrian market
• Key competitors in mobile telephone insurance
• assona / AXA Versicherung
• itonia it-insurance & service / Generali Versicherung
• Estimated market size and future outlook
• Considerable scope exists to expand the size of the mobile telephone insurance sector in Austria

4.0 BELGIUM

• Introduction
• Underlying market data
• Mobile telephone subscriptions per capita in Belgium passed the 1.00 milestone in 2008
• Survey results
• Penetration rates for mobile telephone insurance
• Two out of three network operators in Belgium have launched mobile telephone insurance
• Types of cover offered within mobile telephone insurance
• The risks of accidental damage and theft are covered in a majority of cases
• Operating models and partners for mobile telephone insurance
• ProAssist accounts for several important relationships in Belgian mobile telephone insurance
• Packaging with payment cards and bank accounts
• Packaged mobile telephone insurance has not yet been introduced to Belgium
• Key competitors in mobile telephone insurance
• Estimated market size and future outlook
• Belgium accounts for a modest share of the Europe-wide market for mobile telephone insurance

5.0 CZECH REPUBLIC

• Introduction
• Underlying market data
• Czech consumers are among Europe' s most enthusiastic subscribers of mobile telephony services
• Survey results
• Penetration rates for mobile telephone insurance
• By May 2009, few organisations had yet introduced mobile telephone insurance
• Types of cover offered within mobile telephone insurance
• The policies identified provide cover only for technical breakdown and accidental damage
• Operating models and partners for mobile telephone insurance
• Only one non-captive insurer is active in mobile telephone insurance in the Czech Republic
• Packaging with payment cards and bank accounts
• The Futuro MasterCard card issued by Essox carries a mobile telephone insurance policy
• Key competitors in mobile telephone insurance
• Estimated market size and future outlook
• In terms of its value per capita, the Czech market is likely to be the least developed in Europe

6.0 DENMARK

• Introduction
• Underlying market data
• The annual growth rate for mobile telephone subscriptions is below the European average
• Survey results
• Penetration rates for mobile telephone insurance
• Mobile telephone insurance is becoming increasingly familiar in Denmark
• Types of cover offered within mobile telephone insurance
• Cover for the risks of theft and airtime abuse is usually excluded from mobile telephone insurance
• Operating models and partners for mobile telephone insurance
• Four non-captive providers have operations in mobile telephone insurance in Denmark
• Packaging with payment cards and bank accounts
• Danske Bank' s Mobil MasterCard product carries a mobile telephone insurance policy
• Key competitors in mobile telephone insurance
• Estimated market size and future outlook
• In terms of its value per capita, the Danish market is the least developed of the Nordic trio

7.0 FRANCE

• Introduction
• Underlying market data
• Unusually, mobile telephone subscriptions per capita in France remain below the 1.00 threshold
• Survey results
• Penetration rates for mobile telephone insurance
• Mobile telephone insurance is promoted by all network operators and most distributors in France
• Types of cover offered within mobile telephone insurance
• While most policies cover accidental damage and theft, few offer protection for airtime abuse
• Operating models and partners for mobile telephone insurance
• SPB and Gras Savoye are the leading protagonists in mobile telephone insurance in France
• Packaging with payment cards and bank accounts
• Mobile telephone cover is quite commonly included within card protection insurance in France
• Key competitors in mobile telephone insurance
• APRIL / Axeria IARD
• Covea Fleet
• Finaref Assurances
• GAN Eurocourtage
• Gras Savoye
• SPB / D&P Affinity
• Estimated market size and future outlook
• Given current penetration levels, there is still reasonable scope for market growth in France

8.0 GERMANY

• Introduction
• Underlying market data
• Mobile telephone subscriptions per capita in Germany are the fourth highest in Europe
• Survey results
• Penetration rates for mobile telephone insurance
• German consumers are increasingly targeted with mobile telephone insurance offerings
• Types of cover offered within mobile telephone insurance
• Most policies in Germany include cover for technical breakdown, accidental damage and theft
• Operating models and partners for mobile telephone insurance
• A variety of providers compete for mandates in mobile telephone insurance in Germany
• Packaging with payment cards and bank accounts
• Packaged cover within banking products is a relatively limited feature of the German market
• Key competitors in mobile telephone insurance
• Inter Assurance
• KarstadtQuelle Versicherungen
• Wertgarantie
• Estimated market size and future outlook
• Given its large population, the market value of mobile telephone insurance in Germany is low

9.0 HUNGARY

• Introduction
• Underlying market data
• Mobile telephone subscriptions per capita reached 1.00 in 2006 but continue to grow steadily
• Survey results
• Penetration rates for mobile telephone insurance
• Mobile telephone insurance has made little headway thus far in Hungary
• Types of cover offered within mobile telephone insurance
• Accidental damage is covered by both mobile telephone insurance policies identified in Hungary
• Operating models and partners for mobile telephone insurance
• Both programs identified are organised in conjunction with a single, external underwriter
• Packaging with payment cards and bank accounts
• The Extra Visa card offered by Allianz Bank includes free mobile telephone insurance
• Key competitors in mobile telephone insurance
• Hyper Project / AIM Altalanos Biztosito
• Estimated market size and future outlook
• Mobile telephone insurance in Hungary remains at an embryonic stage of development

10.0 IRELAND

• Introduction
• Underlying market data
• Growth in mobile telephone subscriptions slowed quite markedly in 2007 and 2008
• Survey results
• Penetration rates for mobile telephone insurance
• Mobile telephone insurance is commonly marketed in Ireland
• Types of cover offered within mobile telephone insurance
• While most policies cover accidental damage and theft, few offer protection for airtime abuse
• Operating models and partners for mobile telephone insurance
• Most providers of mobile telephone insurance in Ireland possess one distribution mandate each
• Packaging with payment cards and bank accounts
• Ulster Bank' s ufirst packaged account incorporates mobile telephone insurance
• Key competitors in mobile telephone insurance
• mtis / New Technology Insurance
• Estimated market size and future outlook
• In relative terms, Ireland' s market for mobile telephone insurance is fairly developed

11.0 ITALY

• Introduction
• Underlying market data
• Mobile telephone subscriptions per capita in Italy are unmatched elsewhere in Europe
• Survey results
• Penetration rates for mobile telephone insurance
• Growing efforts are being made to sell mobile telephone insurance to Italian consumers
• Types of cover offered within mobile telephone insurance
• Very few policies offer cover over and above protection in the event of technical breakdown
• Operating models and partners for mobile telephone insurance
• Several major organisations have organised mobile telephone insurance on a captive basis
• Packaging with payment cards and bank accounts
• Banks and other card issuers have yet to integrate mobile telephone cover with their products
• Key competitors in mobile telephone insurance
• Estendo
• Garanzia 3
• Estimated market size and future outlook
• Italy is ranked 12th out of 18 countries in terms of gross premiums written per mobile subscription

12.0 NETHERLANDS

• Introduction
• Underlying market data
• Mobile subscriptions per capita in the Netherlands have reached a similar level to the UK
• Survey results
• Penetration rates for mobile telephone insurance
• Mobile telephone insurance is a universal offering on the part of Dutch network operators
• Types of cover offered within mobile telephone insurance
• Most mobile telephone insurance policies in the Netherlands offer comprehensive cover
• Operating models and partners for mobile telephone insurance
• A variety of operating models for mobile telephone insurance are visible in the Netherlands
• Packaging with payment cards and bank accounts
• Packaging with payment cards and bank accounts is not a feature of the Dutch market
• Key competitors in mobile telephone insurance
• Actua
• Conner & Davis
• ProAssist
• Estimated market size and future outlook
• The Netherlands is one of Europe' s most developed markets for mobile telephone insurance

13.0 NORWAY

• Introduction
• Underlying market data
• The annual growth rate for mobile telephone subscriptions is well below the European average
• Survey results
• Penetration rates for mobile telephone insurance
• Norwegian consumers are increasingly familiar with mobile telephone insurance
• Types of cover offered within mobile telephone insurance
• Cover for accidental damage is a universal feature of mobile telephone insurance in Norway
• Operating models and partners for mobile telephone insurance
• Five underwriters and one broker are active in Norway' s market for mobile telephone insurance
• Packaging with payment cards and bank accounts
• Packaged mobile telephone insurance is entirely absent from the Norwegian market
• Key competitors in mobile telephone insurance
• AmTrust International Underwriters
• Gjensidige Forsikring
• Tennant Forsikring
• Estimated market size and future outlook
• The penetration rate among mobile subscribers in Norway can be increased further

14.0 POLAND

• Introduction
• Underlying market data
• Poland displays the highest growth rate for mobile subscriptions between 2004 and 2008
• Survey results
• Penetration rates for mobile telephone insurance
• Mobile telephone insurance is at a very early stage of development in Poland
• Types of cover offered within mobile telephone insurance
• Protection in the event of theft is a universal feature of mobile telephone insurance in Poland
• Operating models and partners for mobile telephone insurance
• ACE European Group, Compensa and Warta have each entered the market as underwriters
• Packaging with payment cards and bank accounts
• Bank Pekao' s Platinum MasterCard product carries mobile telephone insurance
• Key competitors in mobile telephone insurance
• Compensa
• ERGO Hestia
• Estimated market size and future outlook
• Poland' s market has advanced further than those of the Czech Republic, Hungary and Slovakia

15.0 PORTUGAL

• Introduction
• Underlying market data
• The enthusiasm of Portugal' s consumers for mobile telephones is second only to Italy in Europe
• Survey results
• Penetration rates for mobile telephone insurance
• While ignored by network operators, several other distributors offer mobile telephone insurance
• Types of cover offered within mobile telephone insurance
• Cover for the risks of accidental damage and theft is provided in all policies identified
• Operating models and partners for mobile telephone insurance
• Several providers are pushing for the development of mobile telephone insurance in Portugal
• Packaging with payment cards and bank accounts
• Citibank has incorporated mobile telephone insurance with several of its payment cards
• Key competitors in mobile telephone insurance
• CAReS
• MDS
• Estimated market size and future outlook
• There is ample scope for expansion in Portugal' s mobile telephone insurance market

16.0 SLOVAKIA

• Introduction
• Underlying market data
• Slovakia is one of only two markets in which mobile subscriptions per capita remain below 1.00
• Survey results
• Penetration rates for mobile telephone insurance
• As in Portugal, by May 2009 only a handful of retailers had launched mobile telephone insurance
• Types of cover offered within mobile telephone insurance
• Cover is restricted to protection in the event of technical breakdown and / or accidental damage
• Operating models and partners for mobile telephone insurance
• Cardif has entered the Slovakian market by means of a relationship with NAY Elektrodom
• Packaging with payment cards and bank accounts
• No examples of mobile telephone insurance packaged with bank accounts yet exist in Slovakia
• Key competitors in mobile telephone insurance
• Cardif
• Estimated market size and future outlook
• By outright size, Slovakia' s market is likely to be the smallest of the 18 investigated in Europe

17.0 SPAIN

• Introduction
• Underlying market data
• Growth in mobile telephone subscriptions in Spain leveled off in 2007 and 2008
• Survey results
• Penetration rates for mobile telephone insurance
• Mobile telephone insurance is being introduced on a gradual basis to Spanish consumers
• Types of cover offered within mobile telephone insurance
• Mobile telephone insurance policies in Spain tend to offer partial rather than comprehensive cover
• Operating models and partners for mobile telephone insurance
• SPB has created several important relationships for mobile telephone insurance in Spain
• Packaging with payment cards and bank accounts
• Two banks in Spain have packaged mobile telephone insurance with payment cards
• Key competitors in mobile telephone insurance
• Estimated market size and future outlook
• Spain' s market for mobile telephone insurance is still at a fairly early stage of development

18.0 SWEDEN

• Introduction
• Underlying market data
• Annual growth in mobile telephone subscriptions is significantly below the European average
• Survey results
• Penetration rates for mobile telephone insurance
• Three of Sweden' s five network operators have rolled out mobile telephone insurance
• Types of cover offered within mobile telephone insurance
• The focus of most policies lies on cover for technical breakdown and accidental damage
• Operating models and partners for mobile telephone insurance
• In terms of outright number of relationships, SOLID Forsakring is the market leader.....
• ..... although valuable relationships are held by a variety of other insurance providers
• Packaging with payment cards and bank accounts
• Packaged mobile telephone insurance has not yet been introduced to Swedish consumers
• Key competitors in mobile telephone insurance
• Moderna Forsakringar
• SOLID Forsakring
• White Label Insurance
• Estimated market size and future outlook
• There remains reasonable scope for growth in mobile telephone insurance in Sweden

19.0 SWITZERLAND

• Introduction
• Underlying market data
• Mobile telephone subscriptions per capita are somewhat below the European average
• Survey results
• Penetration rates for mobile telephone insurance
• Distributor rates of provision for mobile telephone insurance are comparatively low
• Types of cover offered within mobile telephone insurance
• Cover for technical breakdown, accidental damage and theft is provided in all cases
• Operating models and partners for mobile telephone insurance
• The relationships of Orange with two insurers also extend to a pair of associated MVNOs
• Packaging with payment cards and bank accounts
• Thus far, Switzerland' s banks have eschewed the idea of packaged mobile telephone insurance
• Key competitors in mobile telephone insurance
• Estimated market size and future outlook
• Relative to the country' s wealth, mobile telephone insurance in Switzerland is not a large market

20.0 UNITED KINGDOM

• Introduction
• Underlying market data
• Mobile telephone subscriptions per capita in the UK lie at the same level as the Netherlands
• Survey results
• Penetration rates for mobile telephone insurance
• All network operators and a clear majority of other distributors sell mobile telephone insurance
• Types of cover offered within mobile telephone insurance
• Only a minority of mobile telephone insurance policies in the UK cover airtime abuse
• Operating models and partners for mobile telephone insurance
• Europe' s largest market for mobile telephone insurance hosts numerous competitors.....
• ..... some of which have built up a portfolio of relationships.....
• ..... with others apparently sustained by just one major partnership in this field
• Packaging with payment cards and bank accounts
• Mobile telephone insurance is a key aspect of the battle in the packaged account market
• Key competitors in mobile telephone insurance
• Allianz Schemes
• Assurant Solutions
• CPP / Homecare Insurance
• Domestic & General
• DSG International
• Lifestyle Services Group
• mtis / New Technology Insurance
• The Warranty Group / London General Insurance
• Estimated market size and future outlook
• Future growth is as likely to accrue from more costly policies as from more insured customers

GRAPHICS / TABLES

• Organisations covered by the research in segmented by type and by country
• Volume of mobile telephone subscriptions in Europe, 2004-8
• Volume of mobile telephone subscriptions in Europe, 2004-8 (data)
• Volume of mobile telephone subscriptions per capita in Europe, 2004-8
• Volume of mobile telephone subscriptions per capita in Europe, 2004-8 (data)
• % of all distributors of mobile telephone contracts and handsets in Europe offering mobile telephone insurance, 2009
• % of mobile network operators in Europe offering mobile telephone insurance, 2009
• % of other distributors of mobile telephone contracts and handsets in Europe offering mobile telephone insurance, 2009
• % of mobile telephone insurance policies in Europe incorporating cover for each of five principal risks, 2009
• % of mobile telephone insurance policies in Europe incorporating cover for each of five principal risks, 2009 (data)
• Operating models used for mobile telephone insurance by all active distributors of mobile telephone contracts and handsets in Europe, 2009
• Operating models used for mobile telephone insurance by all active distributors of mobile telephone contracts and handsets in Europe, 2009 (data)
• Estimated cross-selling rates for mobile telephone insurance in Europe, 2009
• Estimated value of the market for mobile telephone insurance in Europe split by country, 2008
• Estimated value of the market for mobile telephone insurance in Europe split by country, 2008 (data)
• Estimated value per subscriber of the market for mobile telephone insurance in Europe split by country, 2008
• Banking product penetration rates for mobile telephone insurance in Europe, segmented by country, 2009
• Independent providers of mobile telephone insurance in Europe: intermediaries, web sites and underwriters, 2009
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in Austria, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in Austria, 2009
• Types of cover included within mobile telephone insurance in Austria, 2009
• Operating models and partner market shares for mobile telephone insurance in Austria, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Austria, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Austria, 2008
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in Belgium, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in Belgium, 2009
• Types of cover included within mobile telephone insurance in Belgium, 2009
• Operating models and partner market shares for mobile telephone insurance in Belgium, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Belgium, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Belgium, 2008
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in the Czech Republic, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in the Czech Republic, 2009
• Types of cover included within mobile telephone insurance in the Czech Republic, 2009
• Operating models and partner market shares for mobile telephone insurance in the Czech Republic, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in the Czech Republic, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in the Czech Republic, 2008
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in Denmark, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in Denmark, 2009
• Types of cover included within mobile telephone insurance in Denmark, 2009
• Operating models and partner market shares for mobile telephone insurance in Denmark, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Denmark, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Denmark, 2008
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in France, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in France, 2009
• Types of cover included within mobile telephone insurance in France, 2009
• Operating models and partner market shares for mobile telephone insurance in France, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in France, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in France, 2008
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in Germany, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in Germany, 2009
• Types of cover included within mobile telephone insurance in Germany, 2009
• Operating models and partner market shares for mobile telephone insurance in Germany, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Germany, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Germany, 2008
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in Hungary, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in Hungary, 2009
• Types of cover included within mobile telephone insurance in Hungary, 2009
• Operating models and partner market shares for mobile telephone insurance in Hungary, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Hungary, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Hungary, 2008
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in Ireland, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in Ireland, 2009
• Types of cover included within mobile telephone insurance in Ireland, 2009
• Operating models and partner market shares for mobile telephone insurance in Ireland, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Ireland, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Ireland, 2008
• Introduction
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in Italy, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in Italy, 2009
• Types of cover included within mobile telephone insurance in Italy, 2009
• Operating models and partner market shares for mobile telephone insurance in Italy, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Italy, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Italy, 2008
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in the Netherlands, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in the Netherlands, 2009
• Types of cover included within mobile telephone insurance in the Netherlands, 2009
• Operating models and partner market shares for mobile telephone insurance in the Netherlands, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in the Netherlands, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in the Netherlands, 2008
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in Norway, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in Norway, 2009
• Types of cover included within mobile telephone insurance in Norway, 2009
• Operating models and partner market shares for mobile telephone insurance in Norway, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Norway, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Norway, 2008
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in Poland, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in Poland, 2009
• Types of cover included within mobile telephone insurance in Poland, 2009
• Operating models and partner market shares for mobile telephone insurance in Poland, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Poland, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Poland, 2008
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in Portugal, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in Portugal, 2009
• Types of cover included within mobile telephone insurance in Portugal, 2009
• Operating models and partner market shares for mobile telephone insurance in Portugal, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Portugal, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Portugal, 2008
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in Slovakia, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in Slovakia, 2009
• Types of cover included within mobile telephone insurance in Slovakia, 2009
• Operating models and partner market shares for mobile telephone insurance in Slovakia, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Slovakia, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Slovakia, 2008
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in Spain, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in Spain, 2009
• Types of cover included within mobile telephone insurance in Spain, 2009
• Operating models and partner market shares for mobile telephone insurance in Spain, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Spain, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Spain, 2008
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in Sweden, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in Sweden, 2009
• Types of cover included within mobile telephone insurance in Sweden, 2009
• Operating models and partner market shares for mobile telephone insurance in Sweden, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Sweden, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Sweden, 2008
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in Switzerland, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in Switzerland, 2009
• Types of cover included within mobile telephone insurance in Switzerland, 2009
• Operating models and partner market shares for mobile telephone insurance in Switzerland, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Switzerland, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Switzerland, 2008
• Mobile telephone subscriptions and mobile telephone subscriptions per capita in the UK, 2004-8
• Penetration rates for mobile telephone insurance offered by network operators and other distributors in the UK, 2009
• Types of cover included within mobile telephone insurance in the UK, 2009
• Operating models and partner market shares for mobile telephone insurance in the UK, 2009
• Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in the UK, 2009
• Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in the UK, 2008