EUROPEAN SECURITY: European Insurance Market Requirements

Table of Contents

1. Executive Summary

• 1.1 Introduction
• 1.2 Conclusions
• 1.3 Insurance requirements

2. Overall situation analysis

• 2.1 Theft trends
• 2.2 Insurance requirements for vehicle security
• 2.3 Insurance benefits for vehicle security

3. Background statistical data

• 3.1 Car parc
• 3.2 New car sales
• 3.3 Average age of parc
• 3.4 Theft data

4. Scope of this report

• 4.1 Countries included in this study
• 4.2 Limitations of this study
• 4.3 Format of this report

5. Belgium

• 5.1 Market situation
• 5.2 Insurance System
• 5.3 Cost of Ownership
• 5.4 Security Requirements and Benefits

6. Finland

• 6.1 Market situation
• 6.2 Insurance System
• 6.3 Cost of Ownership
• 6.4 Security Requirements and Benefits

7. France

• 7.1 Market situation
• 7.2 Insurance System
• 7.3 Cost of Ownership
• 7.4 Security Requirements and Benefits

8. Germany

• 8.1 Market situation
• 8.2 Insurance System
• 8.3 Cost of Ownership
• 8.4 Security Requirements and Benefits

9. Italy

• 9.1 Market situation
• 9.2 Insurance System
• 9.3 Cost of Ownership
• 9.4 Security Requirements and Benefits

10. The Netherlands

• 10.1 Market situation
• 10.2 Insurance System
• 10.3 Cost of Ownership
• 10.4 Security Requirements and Benefits

11. Norway

• 11.1 Market situation
• 11.2 Insurance System
• 11.3 Cost of Ownership
• 11.4 Security Requirements and Benefits

12. Poland

• 12.1 Market situation
• 12.2 Insurance System
• 12.3 Cost of Ownership
• 12.4 Security Requirements and Benefits

13. Russia

• 13.1 Market situation
• 13.2 Insurance System
• 13.3 Cost of Ownership
• 13.4 Security Requirements and Benefits

14. Spain

• 14.1 Market situation
• 14.2 Insurance System
• 14.3 Cost of Ownership
• 14.4 Security Requirements and Benefits

15. Sweden

• 15.1 Market situation
• 15.2 Insurance System
• 15.3 Cost of Ownership
• 15.4 Security Requirements and Benefits

16. United Kingdom

• 16.1 Market situation
• 16.2 Insurance System
• 16.3 Cost of Ownership
• 16.4 Security Requirements and Benefits

17. Comite Europeen des Assurances (CEA)

• 17.1 Current status of CEA01

List of Tables

• Table 1. Analysis of theft reduction by country
• Table 2. Classification system by country
• Table 3. Proposed new developments from Insurance industry
• Table 4. Risk classification modification by security
• Table 5. Summary of insurance benefits
• Table 6. Car parc by country in 2004
• Table 7. Theft reduction from 2000 to 2005
• Table 8. Theft statistic source comparison
• Table 9. Market share of car insurance companies in Belgium
• Table 10. Insurance security requirements in Belgium
• Table 11. Security system benefits in Belgium
• Table 12. Vehicle thefts (by manufacturer) in Finland
• Table 13. Market share of car insurance companies in Finland
• Table 14. LVK classification table for liability insurance
• Table 15. Security system benefits in Finland
• Table 16. SRA classification specification adjustments
• Table 17. SRA classification, price rating
• Table 18. SRA classification, repair cost
• Table 19. French insurance requirements
• Table 20. Security system benefits in France
• Table 21. Vehicle thefts (by manufacturer) in Germany
• Table 22. Manufacturers with highest German theft rate
• Table 23. Vehicle models with highest German theft rates
• Table 24. Market share of car insurance companies in Germany
• Table 25. GDV type-classification tables
• Table 26. Security system benefits in Germany
• Table 27. Market share of car insurance companies in Italy
• Table 28. Security system benefits in Italy
• Table 29. Vehicle thefts (by manufacturer) in the Netherlands
• Table 30. Manufacturers with highest theft rate in the Netherlands
• Table 31. Market share of car insurance companies in the Netherlands
• Table 32. Insurance security requirements in The Netherlands
• Table 33. Security system benefits in the Netherlands
• Table 34. Summary of planned requirement changes
• Table 35. Market share of car insurance companies in Norway
• Table 36. Norwegian insurance requirements
• Table 37. Security system benefits in Norway
• Table 38. Vehicle thefts (by model) in Poland in 2005
• Table 39. Market share of car insurance companies in Poland
• Table 40. Security system benefits in Poland
• Table 41. Vehicle thefts (by manufacturer) in Moscow
• Table 42. Vehicle thefts (by model) in Moscow
• Table 43. Security system benefits in Russia
• Table 44. Market share of car insurance companies in Spain
• Table 45. Insurance security requirements in Spain
• Table 46. Security system benefits in Spain
• Table 47. Vehicle thefts by manufacturer in Sweden
• Table 48. Manufacturers with highest theft rate in Sweden
• Table 49. Market share of car insurance companies in Sweden
• Table 50. Insurance security requirements (passenger cars) in Sweden
• Table 51. Security system benefits in Sweden
• Table 52. Most stolen older UK cars (2003-2005)
• Table 53. Most stolen high-value UK cars (2003-2005)
• Table 54. Car insurance companies in the United Kingdom, ordered by market share
• Table 55. Insurance security requirements in United Kingdom
• Table 56. Thatcham NVSR calculation method
• Table 57. Security system benefits in United Kingdom

List of Figures

• Figure 1. Countries covered in this report
• Figure 2. Car thefts as percentage of parc
• Figure 3. New car sales in 2005
• Figure 4. Average age of car parc
• Figure 5. Theft trends for all countries
• Figure 6. Theft rates in 2005
• Figure 7. Countries included in this study
• Figure 8. Belgium theft data
• Figure 9. Finland theft data
• Figure 10. Finland theft recovery data
• Figure 11. France theft data
• Figure 12. France theft recovery data
• Figure 13. Germany theft data
• Figure 14. Italy theft data
• Figure 15. Italy theft recovery data
• Figure 16. The Netherlands theft data
• Figure 17. The Netherlands theft recovery data
• Figure 18. Non-recovered thefts by vehicle model in the Netherlands
• Figure 19. Norway theft data
• Figure 20. Poland theft data
• Figure 21. Russia theft data
• Figure 22. Spain theft data
• Figure 23. Sweden Theft Data
• Figure 24. Sweden theft recovery data
• Figure 25. Non-recovered thefts by vehicle model
• Figure 26. United Kingdom theft data
• Figure 27. Forecast changes to UK group rating scheme