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Travel Insurance and Assistance in Northern and Central Europe

Finaccord Ltd.
June 1, 2009
215 Pages - SKU: FIN2382985

Abstract Table of Contents Related Reports

Countries covered: Europe

Finaccord’s report titled Travel Insurance and Assistance in Northern and Central Europe investigates the market for stand-alone travel insurance and assistance in ten countries in this region and is one of two studies published in July 2009 on the subject of travel insurance and assistance in Europe. This market is estimated by Finaccord to have been worth €1.21 billion in gross written premiums in 2008, and has been growing in most of the countries in the region. The market is also evolving rapidly in product design and distribution, with new channels emerging and partnerships with travel trade entities changing on a regular basis. For this study, Finaccord has researched nearly 700 travel trade firms and over 400 banks across Northern and Central Europe, in addition to interviewing travel insurers and analysing company and market data to produce the most comprehensive and detailed report yet published on this topic, including several countries which have never been covered before in a published format. Thereport looks at ten countries in total (Austria, the Czech Republic, Denmark, Germany, Hungary, Norway, Poland, Slovakia, Sweden and Switzerland), and is accompanied by a PartnerBASE™ database that details the arrangements of more than 1,100 travel trade companies and banks for the distribution of travel insurance and assistance. Key features of this report include: quantification of the market size and segmentation for travel insurance and assistance in ten countries: how much is the market worth and where is it growing fastest? segmentation of travel insurance policies between single trip and annual policies: are annual policies on the rise in every country and what are the obstacles to their growth? provider market shares by number of relationships: which providers of travel insurance and assistance policies have the most relationships with travel trade entities, which have been most successful with banks and how does this vary by country? commentary on distribution channels for each country: are banks active in selling stand-alone travel policies, or do they prefer to package travel cover with payment cards or bank accounts, and do direct distributors, brokers or affinity partners play a role in each country? availability of an accompanying PartnerBASE database that includes every travel insurance partnership traced by Finaccord for more than 1,100 travel trade entities and banks.

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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™; 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; Europäische and Mondial Assistance are hardly challenged by smaller competitors; Nearly two million Austrians are covered through Europäische 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; Evropská Cestovní Pojišťovna and Česká Pojišťovna are the foremost suppliers to the travel trade; Evropská Cestovní Pojišťovna 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; Česká pojišťovna 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; Europæiske 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; Europæiske 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; 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 Poisťovňa 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-; (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; (estimated); Proportion of travel insurance sold as annual policies in Northern and Central Europe by country, 2004-; (estimated data); Travel insurance gross written premiums per capita in Northern and Central Europe by country, 2004 and; (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,; and 2012; Forecast proportion of travel insurance sold as annual policies in Northern and Central Europe by country,; 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)

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