Travel Insurance and Assistance in Northern and Central Europe

Table of Contents

0.0 EXECUTIVE SUMMARY

• Residents of these ten countries made 156 million foreign trips in 2008
• Frequency of travel is lowest in Poland and highest in Norway
• Trips to EU and other European countries make up nearly 80% of foreign travel
• The market for travel insurance in Northern and Central Europe was worth € 1.21 billion in 2008...
• ... generated by 36.7 million policies...
• ...of which 27% are annual ones
• Only two companies are strong across the region, with major national competitors in Central Europe
• 84% of travel trade companies distribute travel insurance
• Direct sales are the main alternative to travel trade distribution
• Economic recovery is forecast to revive the travel insurance market from 2010
• The trend towards annual policies is forecast to pause during the recession
• Lack of growth in premium income will encourage innovation in order to increase market share

1.0 INTRODUCTION

• Finaccord
• PartnerBASE&trade
• Rationale
• This report breaks new ground by extending its coverage to new countries
• Methodology
• Finaccord' s research extends to 1,562 significant travel entities in Europe...
• ... and also takes in interviews with providers of travel insurance and assistance
• Travel insurance and assistance: how it all fits together
• The term ‘travel insurance' refers to cover for a heterogeneous range of risks
• Assistance companies play a fundamental role in the travel insurance industry...
• ... with several having established a genuinely international assistance network

2.0 REGIONAL OVERVIEW

• Introduction
• Underlying travel market
• Tourism by German residents accounts for over half of all travel from Northern and Central Europe...
• ... so a decline in their foreign travel offsets growth elsewhere in the region
• Denmark, Norway and Switzerland saw the fastest growth in foreign travel...
• ... implying that saturation has not yet been reached for travel abroad
• Joining the EU in 2004 did not stimulate tourism in the accession countries
• Poland trails behind for visits abroad per capita
• Frequency of travel depends on wealth
• Over a fifth of trips made by Slovakian, Austrian and Norwegian residents are for business
• Growth in holiday travel has been faster than for business tourism
• Nearly three quarters of trips abroad are to EU countries
• Polish tourists have become much more adventurous in the past five years
• Travel insurance and assistance
• Market size by premiums and policies
• Policy volumes fell while premiums rose because of a shift towards annual travel insurance
• Travel insurance in Germany and Sweden is restricted by competition from alternative products
• Every country in the region saw premiums rise between 2004 and 2008...
• ... with five of these markets growing by more than 10% annually
• Annual policies are on the rise in most countries, but are still held back in Germany and Sweden
• Market metrics
• Norway leads by a large margin for premiums per head and per trip
• Poland has the highest rate of travel insurance policies sold per trip thanks to legal requirements
• Competitor analysis
• Travel trade overview
• Just two international companies dominate travel insurance and assistance in this region...
• ... with ETI Group as the leading insurer for the travel trade in Northern and Central Europe
• More than 80% of travel entities sell travel insurance and assistance
• The top two international insurers control 60% of single partnerships across the region...
• ... but lose out to local providers in central Europe
• Market concentration for single partnerships is highest in Switzerland...
• ... leaving little room for brokers or multiple partners
• Touristik Assekuranz is the leading broker in the region - and is also part of the ETI Group
• Multiple partnerships open the market a fraction
• Travel agents and tour operators
• Nearly all travel agents and tour operators sell travel insurance
• Airlines
• ELVIA / Mondial Assistance overtakes ETI Group for airline partnerships
• A third of Europ Assistance' s single partnerships in this region are with airlines
• Ferry / railway operators
• Railway partners include the region' s only captive...
• Online travel portals
• All portals that distribute travel insurance and assistance use a single partner...
• ... with 78% of these partners drawn from the three main international travel insurers
• Student / gap year specialists
• HanseMerkur is the only insurer with more than one partnership in this sample
• Distribution channels
• Overview
• Four stages of distribution channel development are identifiable...
• Bank distribution
• Finaccord investigated the distribution of stand-alone travel insurance by more than 400 banks
• No Swedish bank offers stand-alone travel insurance, compared to nearly half of Norwegian banks
• Packaged distribution with payment cards and bank accounts
• Travel cover is packaged with banking products where it is not offered as a stand-alone product...
• ... especially by banks in Austria, Sweden and Switzerland
• Forecasts for travel insurance and assistance
• Denmark and Hungary have the best prospects for medium-term growth...
• ... although competition and recession pose risks to these markets
• Low growth in premiums will encourage competition for market share through innovation
• Finaccord expects that Germany and Sweden will continue to lag behind...
• ... while the recession will slow the rise of annual policies

3.0 AUSTRIA

• Underlying travel market
• Business trips have risen faster than holiday and leisure trips
• Austrian residents travel to European countries outside the EU more than average
• Travel insurance and assistance
• Market size
• Foreign health insurance reduces the demand for comprehensive annual travel cover
• Distribution channel overview
• The travel trade and specialist insurers dominate distribution
• Travel trade distribution
• Europaische and Mondial Assistance are hardly challenged by smaller competitors
• Nearly two million Austrians are covered through Europaische Reiseversicherung
• Bank distribution
• A small number of Austria' s banking networks offer stand-alone travel insurance policies
• Packaged distribution with payment cards and bank accounts
• Comprehensive travel cover linked to payment cards is an important aspect of the Austrian market
• Direct / broker distribution
• Online sales are led by the travel insurance specialists
• Affinity / alternative distribution
• Forecasts
• The pace of growth from 2008 to 2012 is forecast to be half that of 2004 to 2008

4.0 CZECH REPUBLIC

• Underlying travel market
• Travel abroad has recovered after a dip in 2006, thanks to holiday visitors
• Czech travellers are the least likely to leave Europe
• Travel insurance and assistance
• Market size
• The rising volume of foreign travel has lifted the travel insurance market in the Czech Republic
• Distribution channel overview
• Direct selling by the Internet and bank branch distribution threaten travel trade sales
• Travel trade distribution
• Evropska Cestovni Pojišt' ovna and &Ceská Pojišt' ovna are the foremost suppliers to the travel trade
• Evropska Cestovni Pojišt' ovna achieved premium income of € 9.1 million in 2007
• Bank distribution.
• Stand-alone travel insurance policies are offered by a large number of banks in the Czech Republic
• Packaged distribution with payment cards and bank accounts
• Many payment cards in the Czech Republic carry comprehensive travel insurance
• Direct / broker distribution
• UNIQA sells travel insurance by SMS as well as by the Internet
• Affinity / alternative distribution
• High levels of competition make the travel market difficult territory for affinity distribution
• Forecasts
• &Ceská Pojišt' ovna has responded to the recession by extending cover to loss of employment

5.0 DENMARK

• Underlying travel market
• Rapid growth in foreign travel has slowed since 2006
• Danish residents make nearly a million trips outside Europe each year
• Travel insurance and assistance
• Market size
• Growth in foreign visits has fuelled the travel insurance and assistance market...
• ... along with reforms to the insurance offered by the ‘Yellow Card' from 1 January 2008
• Distribution channel overview
• The travel trade and direct distribution are key distribution channels
• Travel trade distribution
• Europaiske Rejseforsikring is the dominant provider through the travel trade...
• Bank distribution
• 20% of banks in Denmark offer stand-alone travel insurance
• Packaged distribution with payment cards and bank accounts
• Comprehensive travel cover packaged with payment cards is relatively common in Denmark
• Direct / broker distribution
• The specialist travel insurers are maximizing the potential of the Internet
• Affinity / alternative distribution
• Europaiske Rejseforsikring provides travel insurance through the FDM' s travel agency
• Forecasts
• Reforms to public health insurance are forecast to increase demand for private travel cover...
• ... but stand-alone travel policies could be at risk from packaged home and travel insurance.

6.0 GERMANY

• Underlying travel market
• The travel market in Germany is huge but stable
• Turkey accounts for a third of trips to non-EU Europe
• Travel insurance and assistance
• Market size
• Stand-alone health policies constitute half the market by number of policies...
• ... and tend to depress the total value of premiums paid by German tourists
• Distribution channel overview
• The travel trade dominates distribution, despite the rise of annual policies and online sales
• Travel trade distribution
• The vast majority of travel trade entities in Germany offer travel insurance...
• ... while in terms of the outright number of partnerships the market is undergoing a transformation
• HanseMerkur' s gross written premiums reached € 100 million for the first time in 2008
• Makler der Touristik (MTD) is likely to focus on deals with smaller travel agents in the future
• Bank distribution
• Half the banks that offer travel insurance only offer foreign health cover
• ...with Union, DEVK and R+V holding the majority of these deals
• HanseMerkur has established partnerships with some of the larger savings banks
• Trip cancellation insurance accounts for more than 80% of URV' s gross written premiums
• Packaged distribution with payment cards and bank accounts
• Travel cover packaged with payment cards is not especially common in Germany
• Direct / broker distribution
• Victoria Versicherung and Allianz distribute the travel policies of their subsidiaries
• Affinity / alternative distribution
• Automotive associations and retailers lead the way for affinity distribution
• Forecasts
• A stagnant market in terms of premium income will prompt product and distribution innovation

7.0 HUNGARY

• Underlying travel market
• Trips abroad by Hungarian residents have fallen faster than in any other major European country
• Hungarian travellers rarely leave Europe
• Travel insurance and assistance
• Market size
• Premiums have risen while policy numbers fell in Hungary from 2004 to 2008.
• Distribution channel overview
• The traditional travel trade remains the dominant channel in Hungary
• Travel trade distribution
• Multiple partnerships are more common than usual, although single partnerships still dominate
• ...with QBE Atlasz emerging as the underwriter with the highest number of partnerships
• Bank distribution
• A minority of Hungarian banks offers stand-alone travel insurance policies
• Packaged distribution with payment cards and bank accounts
• A substantial number of payment cards in Hungary include comprehensive travel insurance
• Direct / broker distribution
• Many of the larger multi-line insurers have introduced fairly comprehensive travel policies...
• Affinity / alternative distribution
• Affinity marketing of personal non-life insurance, in general, remains at an embryonic stage
• Forecasts
• Sales of stand-alone travel may reach 1.5 million by 2012

8.0 NORWAY

• Underlying travel market
• Tourism abroad has risen in Norway every year from 2004 to 2008
• EU countries dominate Norwegian travellers' destinations
• Travel insurance and assistance
• Market size
• High prices and high frequency of travel make the Norwegian market the largest per person
• Distribution channel overview
• The predominance of annual policies works against the travel trade channel
• Travel trade distribution
• Europeiske dominates distribution through the travel trade
• Bank distribution
• About half of Norwegian banks are active in the sale of stand-alone travel insurance policies
• Packaged distribution with payment cards and bank accounts
• Travel cover packaged with payment cards is usually comprehensive
• Direct / broker distribution
• Travel insurance is offered directly to consumers by all of Norway' s major insurance firms.
• Affinity / alternative distribution
• The Norges Automobil-Forbund packages travel insurance with its payment card
• Forecasts
• The boom in travel insurance of 2004-08 is forecast to be followed by slow but steady growth.

9.0 POLAND

• Underlying travel market
• Business tourism shrank while holiday trips rose, 2004 to 2008
• Polish travellers are rapidly becoming more adventurous
• Travel insurance and assistance
• Market size
• The number of policies sold has changed little since 2004
• Distribution channel overview
• Traditional travel trade distributors account for about half stand-alone travel insurance in Poland
• Travel trade distribution
• Signal Iduna has established itself as the leading provider of travel insurance to the travel trade...
• ... after which the competition fragments rapidly
• Travel insurance is the main source of revenue for Signal Iduna in Poland
• Bank distribution
• The number of Polish banks offering stand-alone travel insurance has increased significantly...
• ...with PZU and Generali / Europ Assistance accounting for the bulk of the agreements.......
• Packaged distribution with payment cards and bank accounts
• More than a third of payment cards in Poland carry comprehensive travel insurance
• Direct / broker distribution
• The major non-life insurers all market travel policies through their agency networks
• Affinity / alternative distribution
• Alternative channels do not yet challenge the traditional distributors
• Forecasts
• Annual policies will struggle because travel insurance is automatically included in holiday bookings

10.0 SLOVAKIA

• Underlying travel market
• Growth in travel abroad by Slovak residents has been volatile
• Slovak residents travel to the ‘rest of the world' more than other countries in the region
• Travel insurance and assistance
• Market size
• The number of travel policies sold has yet to break through the million mark
• Distribution channel overview
• The predominance of single trip policies favours the travel trade
• Travel trade distribution
• Travel trade entities commonly source travel insurance from only one partner
• Union Poist' ovna has established a leadership position in the Slovakian travel insurance market
• Bank distribution
• More than a third of banks offer travel insurance on a stand-alone basis...
• Packaged distribution with payment cards and bank accounts
• It is very common for payment cards in Slovakia to include travel insurance
• Direct / broker distribution
• Portals and brokers have joined the direct insurers for online distribution
• Affinity / alternative distribution
• Forecasts
• Annual policies are expected to grow as foreign travel rises - and as insurers promote it more

11.0 SWEDEN

• Underlying travel market
• Holiday trips abroad by Swedish residents were lower in 2008 than in 2004
• Swedish residents are most likely to leave the EU
• Travel insurance and assistance
• Market size
• Stand-alone travel insurance policies have a limited market in Sweden...
• ... because household insurance and most payment cards carry travel cover
• Distribution channel overview
• Online sales by direct insurers are taking share from travel agents and tour operators
• Travel trade distribution
• The proportion of travel trade entities offering travel insurance has grown over the last three years
• While Europeiska remains dominant, its position is not unchallenged
• Bank distribution
• Banks in Sweden see no reason to offer travel insurance on a stand-alone basis
• Packaged distribution with payment cards and bank accounts
• A majority of payment cards give their holders comprehensive travel insurance
• Direct / broker distribution
• Internet sales are gaining share, but cannot easily grow the total market
• Affinity / alternative distribution
• Alternative channels have not found a space in the limited stand-alone travel insurance market
• Forecasts
• Stand-alone, single trip policies may be vulnerable to the recession

12.0 SWITZERLAND

• Underlying travel market
• Travel abroad by Swiss residents peaked in 2007
• Surrounded by Austria, France, Germany and Italy, Swiss residents make most trips to the EU
• Travel insurance and assistance
• Market size
• Increased demand for annual policies has caused a retreat in the market for single trip cover
• Distribution channel overview
• The distribution of travel insurance has fragmented between several competing channels
• Travel trade distribution
• Most travel agents and tour operators offer travel insurance in conjunction with a single partner
• ....with the two dominant underwriters being hardly challenged in terms of the number of deals
• Touring Club Schweiz is the largest provider of annual travel insurance policies in Switzerland
• Bank distribution
• Only a small number of banks market stand-alone travel insurance to their customers
• Packaged distribution with payment cards and bank accounts
• Payment cards are more likely to include travel accident insurance than comprehensive travel cover
• Direct / broker distribution
• Travel insurance specialists lead the way for online distribution.
• Affinity / alternative distribution
• The Touring Club Schweiz is the most important affinity distributor
• Forecasts
• Premium income in 2012 is expected be a little higher than in 2008, after dipping in 2009-2010

GRAPHICS / TABLES

• Travel entities covered by the research for Northern and Central Europe segmented by type and by country
• Travel insurance and assistance: how it all fits together
• Total number of trips abroad in Northern and Central Europe by country of origin, 2004-8
• Total number of trips abroad in Northern and Central Europe by country of origin, 2004-8 (data)
• Total number of trips abroad per capita in Northern and Central Europe by country of origin, 2004-8
• Total number of trips abroad per capita in Northern and Central Europe by country of origin, 2004-8 (data)
• Trips abroad versus GDP per capita in Northern and Central Europe, by country of origin, 2008
• Trips abroad versus GDP per capita Northern and Central Europe, by country of origin, 2008 (data)
• Segmentation of trips abroad between holiday and business in Northern and Central Europe, by country of origin, 2008
• Segmentation of trips abroad between holiday and business in Northern and Central Europe, by country of origin, 2008 (data)
• Growth in holiday and business trips abroad in Northern and Central Europe, by country of origin, 2004-8
• Growth in holiday and business trips abroad in Northern and Central Europe, by country of origin, 2004-8 (data)
• Destinations of trips abroad in Northern and Central Europe, 2008
• Destinations of trips abroad in Northern and Central Europe by country of origin, 2008
• Destinations of trips abroad in Northern and Central Europe by country of origin, 2008 (data)
• Destinations of trips abroad by Polish residents, 2004-8
• Destinations of trips abroad by Polish residents, 2004-8 (data)
• Estimated size of the travel insurance market in Northern and Central Europe by single trip / annual / foreign health policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in Northern and Central Europe by single trip / annual / foreign health policies and gross written premiums, 2004-8 (data)
• Estimated size of the travel insurance market in Northern and Central Europe by country, gross written premiums, 2008
• Growth rates for travel insurance in Northern and Central Europe by country, number of policies sold, 2004-8 (estimated)
• Estimated size of the travel insurance market in Northern and Central Europe by country, number of policies sold, 2004-8 (data)
• Estimated size of the travel insurance market in Northern and Central Europe by country, gross premiums written 2004-8 (data)
• Proportion of travel insurance sold as annual policies in Northern and Central Europe by country, 2004 and 2008 (estimated)
• Proportion of travel insurance sold as annual policies in Northern and Central Europe by country, 2004-8 (estimated data)
• Travel insurance gross written premiums per capita in Northern and Central Europe by country, 2004 and 2008 (estimated)
• Travel insurance gross written premiums per capita in Northern and Central Europe by country, 2004-8 (estimated data)
• Travel insurance policies per capita in Northern and Central Europe by country, 2004-8 (estimated data)
• Travel insurance policy numbers and gross written premiums per trip abroad in Northern and Central Europe by country, 2004 and 2008 (estimated)
• Travel insurance policy numbers and gross written premiums per trip abroad in Northern and Central Europe by country, 2004 and 2008 (estimated data)
• Total travel trade provision of travel insurance and assistance in Northern and Central Europe: penetration rates, operating models and partner market shares, 2009
• Share of total travel trade partnerships held by leading multi-national travel insurers in Northern and Central Europe by country, 2009
• Share of total travel trade partnerships held by leading multi-national travel insurers in Northern and Central Europe by country, 2009 (data)
• Market concentration for total travel trade provision of travel insurance and assistance in Northern and Central Europe by country, 2009
• Market concentration for total travel trade provision of travel insurance and assistance in Northern and Central Europe by country, 2009 (data)
• Comparison of operating models for total travel trade provision of travel insurance and assistance in Northern and Central Europe by country, 2009
• Comparison of operating models for total travel trade provision of travel insurance and assistance in Northern and Central Europe by country, 2009 (data)
• Travel agent and tour operator provision of travel insurance and assistance in Northern and Central Europe: penetration rates, operating models and partner market shares, 2009
• Airline provision of travel insurance and assistance in Northern and Central Europe: penetration rates, operating models and partner market shares, 2009
• Ferry / railway operator provision of travel insurance and assistance in Northern and Central Europe: penetration rates, operating models and partner market shares, 2009
• Online travel portal provision of travel insurance and assistance in Northern and Central Europe: penetration rates, operating models and partner market shares, 2009
• Student / gap year specialist provision of travel insurance and assistance in Northern and Central Europe: penetration rates, operating models and partner market shares, 2009
• Distribution channel diversification for stand-alone travel insurance and assistance in Northern and Central Europe: market comparisons
• Bank distribution of stand-alone travel insurance and assistance in Northern and Central Europe: penetration rates by country, 2009
• Proportion of payment cards and bank accounts packaged with travel insurance and assistance in Northern and Central Europe, segmented by type of cover, 2009
• Proportion of payment cards and bank accounts packaged with travel insurance and assistance in Northern and Central Europe, segmented by type of cover, 2009 (data)
• Forecast growth in travel insurance and assistance premiums in Northern and Central Europe by country, 2008-2012
• Forecast growth in travel insurance and assistance premiums in Northern and Central Europe by country, 2008-2012 (data)
• Forecast proportion of travel insurance sold as annual policies in Northern and Central Europe by country, 2008 and 2012
• Forecast proportion of travel insurance sold as annual policies in Northern and Central Europe by country, 2008 and 2012 (data)
• Forecast growth in travel insurance and assistance in Northern and Central Europe by country, number of policies sold 2008 and 2012 (data)
• Foreign travel market in Austria segmented by type, 2004-8
• Foreign travel market in Austria segmented by type, 2004-8 (data)
• Foreign travel market in Austria segmented by destination, 2008
• Foreign travel market in Austria segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in Austria by single trip / annual / foreign health policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in Austria by single trip / annual / foreign health policies and gross written premiums, 2004-8 (data)
• Travel trade provision of travel insurance and assistance in Austria: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in Austria: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in Austria: distribution relationships, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in Austria, segmented by type of cover, 2009
• Forecast size of the travel insurance market in Austria by single trip / annual / foreign health policies and gross written premiums, 2012
• Forecast size of the travel insurance market in Austria by single trip / annual / foreign health policies and gross written premiums, 2012 (data)
• Foreign travel market in the Czech Republic segmented by type, 2004-8
• Foreign travel market in the Czech Republic segmented by type, 2004-8 (data)
• Foreign travel market in the Czech Republic segmented by destination, 2008
• Foreign travel market in the Czech Republic segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in the Czech Republic by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in the Czech Republic by single trip / annual policies and gross written premiums, 2004-8 (data)
• Travel trade provision of travel insurance and assistance in the Czech Republic: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in the Czech Republic: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in the Czech Republic: distribution relationships, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in the Czech Republic, segmented by type of cover, 2009
• Forecast size of the travel insurance market in the Czech Republic by single trip / annual policies and gross written premiums, 2012
• Forecast size of the travel insurance market in the Czech Republic by single trip / annual policies and gross written premiums, 2012 (data)
• Foreign travel market in Denmark segmented by type, 2004-8
• Foreign travel market in Denmark segmented by type, 2004-8 (data)
• Foreign travel market in Denmark segmented by destination, 2008
• Foreign travel market in Denmark segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in Denmark by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in Denmark by single trip / annual policies and gross written premiums, 2004-8 (data)
• Travel trade provision of travel insurance and assistance in Denmark: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in Denmark: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in Denmark: distribution relationships, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in Denmark, segmented by type of cover, 2009
• Forecast size of the travel insurance market in Denmark by single trip / annual policies and gross written premiums, 2012
• Forecast size of the travel insurance market in Denmark by single trip / annual policies and gross written premiums, 2012 (data)
• Foreign travel market in Germany segmented by type, 2004-8
• Foreign travel market in Germany segmented by type, 2004-8 (data)
• Foreign travel market in Germany segmented by destination, 2008
• Foreign travel market in Germany segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in Germany by single trip / annual / foreign health policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in Germany by single trip / annual / foreign health policies and gross written premiums, 2004-8 (data)
• Travel trade provision of travel insurance and assistance in Germany: penetration rates, operating models and partner market shares, 2009
• Bank / savings bank / credit co-operative provision of stand-alone travel insurance and assistance in Germany: penetration rates, operating models and partner market shares, 2009
• Bank / savings bank / credit co-operative provision of stand-alone travel insurance and assistance in Germany: distribution relationships, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in Germany, segmented by type of cover, 2009
• Forecast size of the travel insurance market in Germany by single trip / annual / foreign health policies and gross written premiums, 2012
• Forecast size of the travel insurance market in Germany by single trip / annual / foreign health policies and gross written premiums, 2012 (data)
• Foreign travel market in Hungary segmented by type, 2004-8
• Foreign travel market in Hungary segmented by type, 2004-8 (data)
• Foreign travel market in Hungary segmented by destination, 2008
• Foreign travel market in Hungary segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in Hungary by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in Hungary by single trip / annual policies and gross written premiums, 2004-8 (data)
• Travel trade provision of travel insurance and assistance in Hungary: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in Hungary: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in Hungary: distribution relationships, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in Hungary, segmented by type of cover, 2009
• Forecast size of the travel insurance market in Hungary by single trip / annual policies and gross written premiums, 2012
• Forecast size of the travel insurance market in Hungary by single trip / annual policies and gross written premiums, 2012 (data)
• Foreign travel market in Norway segmented by type, 2004-8
• Foreign travel market in Norway segmented by type, 2004-8 (data)
• Foreign travel market in Norway segmented by destination, 2008
• Foreign travel market in Norway segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in Norway by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in Norway by single trip / annual policies and gross written premiums, 2004-8 (data)
• Travel trade provision of travel insurance and assistance in Norway: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in Norway: penetration rates, operating models and partner market shares, 2009
• Bank / savings bank provision of stand-alone travel insurance and assistance in Norway: distribution relationships, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in Norway, segmented by type of cover, 2009
• Forecast size of the travel insurance market in Norway by single trip / annual policies and gross written premiums, 2012
• Forecast size of the travel insurance market in Norway by single trip / annual policies and gross written premiums, 2012 (data)
• Foreign travel market in Poland segmented by type, 2004-8
• Foreign travel market in Poland segmented by type, 2004-8 (data)
• Foreign travel market in Poland segmented by destination, 2008
• Foreign travel market in Poland segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in Poland by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in Poland by single trip / annual policies and gross written premiums, 2004-8 (data)
• Travel trade provision of travel insurance and assistance in Poland: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in Poland: penetration rates, operating models and partner market shares, 2009
• Bank / savings bank provision of stand-alone travel insurance and assistance in Poland: distribution relationships, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in Poland, segmented by type of cover, 2009
• Forecast size of the travel insurance market in Poland by single trip / annual policies and gross written premiums, 2012
• Forecast size of the travel insurance market in Poland by single trip / annual policies and gross written premiums, 2012 (data)
• Foreign travel market in Slovakia segmented by type, 2004-8
• Foreign travel market in Slovakia segmented by type, 2004-8 (data)
• Foreign travel market in Slovakia segmented by destination, 2008
• Foreign travel market in Slovakia segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in Slovakia by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in Slovakia by single trip / annual policies and gross written premiums, 2004-8 (data)
• Travel trade provision of travel insurance and assistance in Slovakia: penetration rates, operating models and partner market shares, 2009
• Bank / savings bank provision of stand-alone travel insurance and assistance in Slovakia: penetration rates, operating models and partner market shares, 2009
• Bank / savings bank provision of stand-alone travel insurance and assistance in Slovakia: distribution relationships, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in Slovakia, segmented by type of cover, 2009
• Forecast size of the travel insurance market in Slovakia by single trip / annual policies and gross written premiums, 2012
• Forecast size of the travel insurance market in Slovakia by single trip / annual policies and gross written premiums, 2012 (data)
• Foreign travel market in Sweden segmented by type, 2004-8
• Foreign travel market in Sweden segmented by type, 2004-8 (data)
• Foreign travel market in Sweden segmented by destination, 2008
• Foreign travel market in Sweden segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in Sweden by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in Sweden by single trip / annual policies and gross written premiums, 2004-8 (data)
• Travel trade provision of travel insurance and assistance in Sweden: penetration rates, operating models and partner market shares, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in Sweden, segmented by type of cover, 2009
• Forecast size of the travel insurance market in Sweden by single trip / annual policies and gross written premiums, 2012
• Forecast size of the travel insurance market in Sweden by single trip / annual policies and gross written premiums, 2012 (data)
• Foreign travel market in Switzerland
• segmented by type, 2004-8
• Foreign travel market in Switzerland segmented by type, 2004-8 (data)
• Foreign travel market in Switzerland segmented by destination, 2008
• Foreign travel market in Switzerland segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in Switzerland by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in Switzerland by single trip / annual policies and gross written premiums, 2004-8 (data)
• Travel trade provision of travel insurance and assistance in Switzerland: penetration rates, operating models and partner market shares, 2009
• Bank / building society provision of travel insurance and assistance in Switzerland: penetration rates, operating models and partner market shares, 2009
• Bank / building society provision of stand-alone travel insurance and assistance in Switzerland: distribution relationships, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in Switzerland, segmented by type of cover, 2009
• Forecast size of the travel insurance market in Switzerland by single trip / annual policies and gross written premiums, 2012
• Forecast size of the travel insurance market in Switzerland by single trip / annual policies and gross written premiums, 2012 (data)