Travel Insurance and Assistance in Southern and Western Europe

Table of Contents

0.0 EXECUTIVE SUMMARY

• Residents of these eight countries made 159 million foreign trips in 2008
• The UK accounted for 42% of foreign travel by residents of Southern and Western Europe
• Trips to EU and other European countries make up nearly 80% of foreign travel
• The market for travel insurance in Southern and Western Europe was worth € 1.69 billion in 2008...
• ... generated by 34.1 million policies...
• ...of which 37% are annual ones
• Four companies hold 71% of all single partner deals across the region
• Eight out of ten travel trade companies distribute travel insurance...
• ... but the share of travel insurance distribution held by travel trade companies is falling
• Long-term trends in foreign travel will outweigh the immediate impact of the recession
• Annual policies will continue to gain share of the market, but at a much slower growth rate
• A stagnant or shrinking market will stimulate innovation

1.0 INTRODUCTION

• Finaccord
• PartnerBASE™
• Rationale
• This report breaks new ground by extending its coverage to new countries
• Methodology
• Finaccord' s research extends to 1,561 significant travel entities and 880 banks 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 Irish residents grew remarkably between 2004 and 2008...
• ... although French travel abroad has declined every year since 2004
• Foreign travel remains uncommon in the Mediterranean countries
• Income per capita is as important as climate in determining the frequency of foreign travel
• Business trips form a larger part of the total as income falls and as the climate improves
• Business tourism has been on the retreat over 2004 to 2008
• Residents of Southern and Western Europe prefer to go outside Europe than to non-EU Europe
• Travel insurance and assistance
• Market size by premiums and policies
• Growth in the smallest travel insurance markets cannot offset a decline in the largest ones...
• ... while sales of annual policies more than compensated for a fall in single trip policies
• The Dutch travel insurance market far exceeds its ranking by population...
• ... while the holiday booms of Ireland and Spain made them the outstanding markets by growth
• Use of annual policies varies widely by country, according to frequency of travel
• Market metrics
• Premiums per capita are below € 3 for the four Southern countries in this region
• Portugal has the highest number of insurance policies per trip...
• ... while the Netherlands and the UK lead for premiums per trip
• The importance of travel agents in Portugal produces a high level of travel insurance sales
• Competitor analysis
• Travel trade overview
• AXA is best positioned to become a regional force
• Mondial Assistance is the leading insurer for the travel trade in Southern and Western Europe
• Eight travel entities out of ten sell travel insurance and assistance
• The top four international insurers control 71% of single partnerships
• Market concentration for single partnerships is highest in Ireland and the Netherlands.
• ...but reliance on single partnerships varies greatly between these two countries
• Travel agents and tour operators
• Almost 90% of travel agents and tour operators sell travel insurance...
• Airlines
• ... falling to two-thirds for airlines...
• Ferry / railway operators
• ... and to 42% for ferry and railway operators
• Online travel portals
• Mondial Assistance is the leading partner for online travel portals...
• ... although AXA, AIG and Columbus rival ETI Group in this channel
• Student / gap year specialists
• The three largest travel insurers do not operate in this sector...
• ... and the company with the most relationships is a broker rather than an underwriter
• Distribution channels
• Overview
• Four stages of distribution channel development are identifiable...
• ... but the pace of development varies from country to country
• Bank distribution
• Finaccord investigated the distribution of stand-alone travel insurance by more than 400 banks
• Half of Dutch banks sell stand-alone travel insurance
• Packaged distribution with payment cards and bank accounts
• A third of payment cards in France carry comprehensive travel insurance...
• ... while there may be a marketing opportunity for Italian banks to seize
• Forecasts for travel insurance and assistance
• Premium income is forecast to recover best in Italy, Portugal and Spain after the recession...
• ... while Ireland is expected to see the biggest decline in trips abroad and in travel insurance
• Low growth in premiums will encourage competition for market share through innovation
• Increased marketing of annual policies will compensate for reduced demand

3.0 BELGIUM

• Underlying travel market
• Holiday and leisure trips dominate foreign travel by Belgian residents
• Belgian tourists are the least likely to leave Europe
• Travel insurance and assistance
• Market size
• Single trip policies fall as the market contracts and as annual policies gain share
• Distribution channel overview
• Brokers and banks compete with the travel trade for the customer' s business
• Travel trade distribution
• Travel agents have begun to sell annual policies, to hold onto their market share
• Belgian travel insurance companies have experienced slow but steady growth in recent years.
• Bank distribution.
• Banks are a significant force in the sale of stand-alone travel insurance policies...
• ... with the supply structure differing from the travel trade partnerships
• Packaged distribution with payment cards and bank accounts
• Travel accident insurance is often linked to payment cards in Belgium
• Direct / broker distribution
• Brokers are a major force in the distribution of travel insurance
• Affinity / alternative distribution
• Automobile associations are the main affinity partners in Belgium
• Forecasts
• The decline in premium income is set to continue with the recession

4.0 FRANCE

• Underlying travel market
• Both holiday and business tourism by French residents have declined every year since 2004
• French tourists are the most adventurous in their choice of destination
• Travel insurance and assistance
• Market size
• Single trip insurance increased its share of sales since 2004, against the European trend
• Distribution channel overview
• Airlines, banks and the Internet are taking market share from the travel trade
• Travel trade distribution
• The leadership of Mondial Assistance is challenged by other travel insurance providers
• TMS Contact and Presence are the leading brokers in the travel sector
• Bank distribution.
• Stand-alone travel insurance is very rarely offered by banks in France
• Packaged distribution with payment cards and bank accounts
• Travel cover packaged with payment cards restricts the market for stand-alone policies
• Direct / broker distribution
• Europ Assistance has gone online to follow Tourism Queensland' s ‘best job in the world'
• Affinity / alternative distribution
• La Poste in France has not sought to imitate the success of post office distribution in the UK
• Forecasts
• Stand-alone travel policies are expected to struggle against competition from payment cards.

5.0 IRELAND

• Underlying travel market
• Foreign holidays soared with Ireland' s economic boom
• Travel from Ireland is concentrated on the EU and North America
• Travel insurance and assistance
• Market size
• Frequent travel favours annual policies
• Distribution channel overview
• Vhi Healthcare has established a dominant position outside the travel trade
• Travel trade distribution
• Intermediaries are central to the distribution of travel insurance via tour operators and travel agents...
• AXA is the underwriter with the highest number of partnerships
• Bank distribution
• Both of Ireland' s major banks offer stand-alone travel insurance policies
• Packaged distribution with payment cards and bank accounts
• About every fifth payment card in Ireland carries travel accident insurance
• Direct / broker distribution
• Blue Insurances' white-labelled products have helped smaller brokers to enter the market...
• ... although underwriters have not taken the opportunity to sell directly through the Internet
• Affinity / alternative distribution
• Vhi Healthcare dominates the affinity sector
• Forecasts
• Ireland' s travel boom will be reversed by a severe recession

6.0 ITALY

• Underlying travel market
• Travel abroad by Italian residents has increased every year since 2004
• A third of trips made by Italian residents are to outside the EU
• Travel insurance and assistance
• Market size
• The Italian stand-alone travel insurance market has risen with greater travel abroad
• Distribution channel overview
• The growth of Internet sales of holidays and of personal insurance show how the market is evolving
• Travel trade distribution
• Europ Assistance and Mondial Assistance have increased their dominance of the travel trade
• Travel is a minor line of business for Europ Assistance in Italy...
• ...while Mondial Assistance' s growth is powered by its web-based Globy proposition
• Bank distribution
• The number of Italian banks offering stand-alone travel insurance seems to be in decline
• Packaged distribution with payment cards and bank accounts
• Only a relatively small proportion of payment cards in Italy include travel insurance
• Direct / broker distribution
• The online market has been left to the travel insurance specialists
• Affinity / alternative distribution
• The automobile club has one of the few affinity deals for travel insurance
• Forecasts
• Travel insurance premiums are forecast to grow in Italy, through higher policy prices

7.0 NETHERLANDS

• Underlying travel market
• Foreign travel is an ingrained habit amongst Dutch residents
• Dutch travellers to the ‘rest of the world' scatter widely across the globe
• Travel insurance and assistance
• Market size
• The number of single trip policies sold halved between 2004 and 2008
• Distribution channel overview
• The rise of annual policies and online sales is reshaping the dynamics of distribution
• Travel trade distribution
• Europeesche continues to dominate travel trade distribution in the Netherlands...
• ...although Mondial Assistance and Unigarant are strong competitors ...
• Bank distribution
• Stand-alone travel insurance is a staple offering on the part of the principal retail banks
• Packaged distribution with payment cards and bank accounts
• A substantial minority of payment cards in the Netherlands include comprehensive travel insurance
• Direct / broker distribution
• Internet sales are helping the growth of direct distribution
• Affinity / alternative distribution
• HEMA has begun marketing travel cover and other types of insurance
• Forecasts
• The Netherlands is a mature market for travel insurance, with little expectation for growth

8.0 PORTUGAL

• Underlying travel market
• Portugal is a growing market for business travel
• Four out of ten trips abroad made by Portuguese residents are to Spain
• Travel insurance and assistance
• Market size
• The travel insurance market in Portugal is the smallest in Southern and Western Europe
• Distribution channel overview
• Distribution in Portugal remains very traditional, led by travel agents and tour operators
• Travel trade distribution
• Several competitors are active in distributing travel insurance through the travel trade in Portugal
• Bank distribution
• About one Portuguese bank in five makes stand-alone travel insurance available to its customers
• Packaged distribution with payment cards and bank accounts
• A comparatively high number of payment cards carry travel cover of one sort or another
• Direct / broker distribution
• Online distribution of travel insurance is in its infancy in Portugal
• Affinity / alternative distribution
• Forecasts
• Portugal' s travel market is forecast to continue its slow development, despite the recession

9.0 SPAIN

• Underlying travel market
• Holiday tourism has risen as fast as business travel has fallen
• Africa is catching up with Latin America as the prime destination outside Europe
• Travel insurance and assistance
• Market size
• Single trip policies make up 95% of the travel insurance market
• Distribution channel overview
• Local legislation means that travel insurance is often packaged with holiday bookings in Spain
• Travel trade distribution
• Travel trade entities employ a variety of partners for the distribution of travel insurance
• Europea de Seguros has increased the number of travellers it insures to over seven million
• Bank distribution
• Fewer banks offer stand-alone travel insurance in 2009 than in 2006
• Packaged distribution with payment cards and bank accounts
• A majority of payment cards carry partial travel insurance, but not comprehensive cover
• Direct / broker distribution
• The majority of travel insurers and brokers can now sell directly over the Internet
• Affinity / alternative distribution
• Automobile clubs and major retailers tend to provide travel insurance through their travel agencies
• Forecasts
• 2009 and 2010 are expected to see the market shrink, before it recovers well in 2011 and 2012

10.0 UNITED KINGDOM

• Underlying travel market
• Fifteen years of growth in foreign travel by UK residents ended in 2008
• The proportion of visits made to the EU and North America is falling
• Travel insurance and assistance
• Market size
• The recession has stopped the rise of annual policies
• Distribution channel overview
• The Internet continues to revolutionize the distribution of travel insurance...
• ... to the benefit of online brokers and aggregators...
• ... and at the expense of both telephone and face-to-face sales
• Travel trade distribution
• 70% of travel trade companies offer travel insurance, well below the average for the region.
• Travel insurance is very fragmented in the UK
• The size of the UK market attracts a high number of competitors compared to the rest of Europe
• AXA is the market leader in the UK
• Union Reiseversicherung has achieved rapid growth since 2003 ....
• Bank distribution
• Many banks offer stand-alone travel insurance as well as packaging it with fee-paying accounts.
• Packaged distribution with payment cards and bank accounts
• Provision of comprehensive travel insurance is mainly restricted to premium bank accounts
• Direct / broker distribution
• Online distributors abound in the UK
• Affinity / alternative distribution
• Finaccord has identified numerous affinity schemes for distributing travel insurance
• Forecasts
• High levels of competition will make premiums fall faster than policy volumes

GRAPHICS / TABLES

• Travel entities covered by the research for Southern and Western Europe segmented by type and by country
• Total number of trips abroad in Southern and Western Europe by country of origin, 2004-8
• Total number of trips abroad in Southern and Western Europe by country of origin, 2004-8 (data)
• Total number of trips abroad per capita in Southern and Western Europe, by country of origin, 2004-8
• Total number of trips abroad per capita in Southern and Western Europe by country of origin, 2004-8 (data)
• Trips abroad versus GDP per capita in Southern and Western Europe, by country of origin, 2008
• Trips abroad versus GDP per capita in Southern and Western Europe, by country of origin, 2008 (data)
• Segmentation of trips abroad between holiday and business in Southern and Western Europe, by country of origin, 2008
• Segmentation of trips abroad between holiday and business in Southern and Western Europe, by country of origin, 2008 (data)
• Growth in holiday and business trips abroad in Southern and Western Europe, by country of origin, 2004-8
• Growth in holiday and business trips abroad in Southern and Western Europe, by country of origin, 2004-8 (data)
• Destinations of trips abroad, in Southern and Western Europe, 2008
• Destinations of trips abroad in Southern and Western Europe by country of origin, 2008
• Destinations of trips abroad in Southern and Western Europe by country of origin, 2008 (data)
• Estimated size of the travel insurance market in Southern and Western Europe by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in Southern and Western Europe by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in Southern and Western Europe by country, gross written premiums, 2008
• Growth rates for travel insurance in Southern and Western Europe by country, number of policies sold, 2004-8 (estimated)
• Estimated size of the travel insurance market in Southern and Western Europe by country, number of policies sold, 2004-8 (data)
• Estimated size of the travel insurance market in Southern and Western Europe by country, gross premiums written 2004-8 (data)
• Proportion of travel insurance sold as annual policies in Southern and Western Europe by country, 2004 and 2008 (estimated)
• Proportion of travel insurance sold as annual policies in Southern and Western Europe by country, 2004 and 2008 (estimated data)
• Travel insurance gross written premiums per capita in Southern and Western Europe by country, 2004 and 2008 (estimated)
• Travel insurance gross written premiums per capita in Southern and Western Europe by country, 2004-8 (estimated data)
• Travel insurance policies per capita in Southern and Western Europe by country, 2004-8 (estimated data)
• Travel insurance policy numbers and gross written premiums per trip abroad in Southern and Western Europe by country, 2004 and 2008 (estimated)
• Travel insurance policy numbers and gross written premiums per trip abroad in Southern and Western Europe by country, 2004 and 2008 (estimated data)
• Impact of booking via travel agents and tour operators on travel insurance policies per trip, Italy, Portugal and Spain, 2007/8
• Total travel trade provision of travel insurance and assistance in Southern and Western Europe: penetration rates, operating models and partner market shares, 2009
• Share of total travel trade partnerships held by leading multi-national travel insurers in Southern and Western Europe by country, 2009
• Share of total travel trade partnerships held by leading multi-national travel insurers in Southern and Western Europe by country, 2009 (data)
• Market concentration for total travel trade provision of travel insurance and assistance in Southern and Western Europe by country, 2009
• Market concentration for total travel trade provision of travel insurance and assistance in Southern and Western Europe by country, 2009 (data)
• Comparison of operating models for total travel trade provision of travel insurance and assistance in Southern and Western Europe by country, 2009
• Comparison of operating models for total travel trade provision of travel insurance and assistance in Southern and Western Europe by country, 2009 (data)
• Travel agent and tour operator provision of travel insurance and assistance in Southern and Western Europe: penetration rates, operating models and partner market shares, 2009
• Airline provision of travel insurance and assistance in Southern and Western Europe: penetration rates, operating models and partner market shares, 2009
• Ferry / railway operator provision of travel insurance and assistance in Southern and Western Europe: penetration rates, operating models and partner market shares, 2009
• Online travel portal provision of travel insurance and assistance in Southern and Western Europe: penetration rates, operating models and partner market shares, 2009
• Student / gap year specialist provision of travel insurance and assistance in Southern and Western Europe: penetration rates, operating models and partner market shares, 2009
• Distribution channel diversification for stand-alone travel insurance and assistance in Southern and Western Europe: market comparisons 2009
• Bank distribution of stand-alone travel insurance and assistance in Southern and Western Europe: penetration rates by country, 2009
• Proportion of payment cards and bank accounts packaged with travel insurance and assistance in Southern and Western Europe, segmented by type of cover, 2009
• Proportion of payment cards and bank accounts packaged with travel insurance and assistance in Southern and Western Europe, segmented by type of cover, 2009 (data)
• Forecast growth in travel insurance and assistance premiums in Southern and Western Europe by country, 2008-2012
• Forecast growth in travel insurance and assistance premiums in Southern and Western Europe by country, 2008-2012 (data)
• Forecast proportion of travel insurance sold as annual policies in Southern and Western Europe by country, 2008 and 2012
• Forecast proportion of travel insurance sold as annual policies in Southern and Western Europe by country, 2008 and 2012 (data)
• Forecast growth in travel insurance and assistance in Southern and Western Europe by country, number of policies sold 2008 and 2012 (data)
• Foreign travel market in Belgium segmented by type, 2004-8
• Foreign travel market in Belgium segmented by type, 2004-8 (data)
• Foreign travel market in Belgium segmented by destination, 2008
• Foreign travel market in Belgium segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in Belgium by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in Belgium by single trip / annual policies and gross written premiums, 2004-8 (data)
• Travel trade provision of travel insurance and assistance in Belgium: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in Belgium: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in Belgium: distribution relationships, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in Belgium, segmented by type of cover, 2009
• Forecast size of the travel insurance market in Belgium by single trip / annual policies and gross written premiums, 2012
• Forecast size of the travel insurance market in Belgium by single trip / annual policies and gross written premiums, 2012 (data)
• Foreign travel market in France segmented by type, 2004-8
• Foreign travel market in France segmented by type, 2004-8 (data)
• Foreign travel market in France segmented by destination, 2008
• Foreign travel market in France segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in France by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in France by single trip / annual policies and gross written premiums, 2004-8 (data)
• Travel trade provision of travel insurance and assistance in France: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in France: distribution relationships, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in France, segmented by type of cover, 2009
• Forecast size of the travel insurance market in France by single trip / annual policies and gross written premiums, 2012
• Forecast size of the travel insurance market in France by single trip / annual policies and gross written premiums, 2012 (data)
• Foreign travel market in Ireland segmented by type, 2004-8
• Foreign travel market in Ireland segmented by type, 2004-8 (data)
• Foreign travel market in Ireland segmented by destination, 2008
• Foreign travel market in Ireland segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in Ireland by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in Ireland by single trip / annual policies and gross written premiums, 2004-8 (data)
• Travel trade provision of travel insurance and assistance in Ireland: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in Ireland: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in Ireland: distribution relationships, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in Ireland, segmented by type of cover, 2009
• Forecast size of the travel insurance market in Ireland by single trip / annual policies and gross written premiums, 2012
• Forecast size of the travel insurance market in Ireland by single trip / annual policies and gross written premiums, 2012 (data)
• Foreign travel market in Italy segmented by type, 2004-8
• Foreign travel market in Italy segmented by type, 2004-8 (data)
• Foreign travel market in Italy segmented by destination, 2008
• Foreign travel market in Italy segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in Italy by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in Italy by single trip / annual policies and gross written premiums, 2004-8 (data)
• Travel trade provision of travel insurance and assistance in Italy: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in Italy: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in Italy: distribution relationships, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in Italy, segmented by type of cover, 2009
• Forecast size of the travel insurance market in Italy by single trip / annual policies and gross written premiums, 2012
• Forecast size of the travel insurance market in Italy by single trip / annual policies and gross written premiums, 2012 (data)
• Foreign travel market in the Netherlands segmented by type, 2004-8
• Foreign travel market in the Netherlands segmented by type, 2004-8 (data)
• Foreign travel market in the Netherlands segmented by destination, 2008
• Foreign travel market in the Netherlands segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in the Netherlands by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in the Netherlands by single trip / annual policies and gross written premiums, 2004-8 (data)
• Travel trade provision of travel insurance and assistance in the Netherlands: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in the Netherlands: penetration rates, operating models and partner market shares, 2009
• Bank provision of stand-alone travel insurance and assistance in the Netherlands: distribution relationships, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in the Netherlands, segmented by type of cover, 2009
• Forecast size of the travel insurance market in the Netherlands by single trip / annual policies and gross written premiums, 2012
• Forecast size of the travel insurance market in the Netherlands by single trip / annual policies and gross written premiums, 2012 (data)
• Foreign travel market in Portugal segmented by type, 2004-8
• Foreign travel market in Portugal segmented by type, 2004-8 (data)
• Foreign travel market in Portugal segmented by destination, 2008
• Foreign travel market in Portugal segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in Portugal by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in Portugal by single trip / annual policies and gross written premiums, 2004-8 (data)
• Travel trade provision of travel insurance and assistance in Portugal: penetration rates, operating models and partner market shares, 2009
• Bank / savings bank provision of stand-alone travel insurance and assistance in Portugal: penetration rates, operating models and partner market shares, 2009
• Bank / savings bank provision of stand-alone travel insurance and assistance in Portugal: distribution relationships, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in Portugal, segmented by type of cover, 2009
• Forecast size of the travel insurance market in Portugal by single trip / annual policies and gross written premiums, 2012
• Forecast size of the travel insurance market in Portugal by single trip / annual policies and gross written premiums, 2012 (data)
• Foreign travel market in Spain segmented by type, 2004-8
• Foreign travel market in Spain segmented by type, 2004-8 (data)
• Foreign travel market in Spain segmented by destination, 2008
• Foreign travel market in Spain segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in Spain by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in Spain by single trip / annual policies and gross written premiums, 2004-8 (data)
• Travel trade provision of travel insurance and assistance in Spain: penetration rates, operating models and partner market shares, 2009
• Bank / savings bank provision of stand-alone travel insurance and assistance in Spain: penetration rates, operating models and partner market shares, 2009
• Bank / savings bank provision of stand-alone travel insurance and assistance in Spain: distribution relationships, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in Spain, segmented by type of cover, 2009
• Forecast size of the travel insurance market in Spain by single trip / annual policies and gross written premiums, 2012
• Forecast size of the travel insurance market in Spain by single trip / annual policies and gross written premiums, 2012 (data)
• Foreign travel market in the UK segmented by type, 2004-8
• Foreign travel market in the UK segmented by type, 2004-8 (data)
• Foreign travel market in the UK segmented by destination, 2008
• Foreign travel market in the UK segmented by destination, 2008 (data)
• Estimated size of the travel insurance market in the UK by single trip / annual policies and gross written premiums, 2004-8
• Estimated size of the travel insurance market in the UK by single trip / annual policies and gross written premiums, 2004-8 (data)
• Analysis of distribution channels used for acquiring travel insurance in the UK, 2005 and 2007
• Analysis of distribution channels used for acquiring travel insurance in the UK, 2005 and 2007 (data)
• Analysis of distribution interface used for acquiring travel insurance in the UK, 2005 and 2007
• Analysis of distribution interfaces used for acquiring travel insurance in the UK, 2005 and 2007 (data)
• Travel trade provision of travel insurance and assistance in the UK: penetration rates, operating models and partner market shares, 2009
• Bank / building society provision of travel insurance and assistance in the UK: penetration rates, operating models and partner market shares, 2009
• Bank / building society provision of stand-alone travel insurance and assistance in the UK: distribution relationships, 2009
• % penetration of travel insurance and assistance packaged with payment cards and bank accounts in the UK, segmented by type of cover, 2009
• Affinity and partnership marketing schemes for travel insurance in the UK: penetration by type of partner
• Forecast size of the travel insurance market in the UK by single trip / annual policies and gross written premiums, 2012
• Forecast size of the travel insurance market in the UK by single trip / annual policies and gross written premiums, 2012 (data)