Automotive Financial Services in Southern and Western Europe

Published by: Finaccord Ltd.

Published: May. 1, 2007 - 330 Pages

Table of Contents

0.0 EXECUTIVE SUMMARY

Finance and leasing: a market worth €145.7 billion in gross advances and assets leased in 2006

… with point-of-sale finance claiming a share of around 45.6% of the total market value

Average point-of-sale customer take-up rates are highest in Italy and weakest in the Netherlands

In a majority of markets, dealers are expanding the number of providers with which they work…

… although the dominance of a leading duo in Spain apparently produces the opposite effect

Motor insurance: dealer-intermediated pols. make up around 6.0% of the total consumer market

… although the effectiveness of dealerships in this arena varies greatly from country to country

Creditor insurance: average take-up rates peak in France, Italy, Portugal and Spain

Extended warranties: policies sold along side used cars make up almost 50% of the total value

GAP insurance: a strong tradition for stand-alone policies exists only in France and the UK

Road assistance: manufacturer-branded breakdown recovery is dominated by a trio of providers

In many ways, consolidation among dealers improves the prospects for auto. financial services

The sale of a 51% stake in GMAC by GM alters the landscape for captive financial services

Entities dependent upon point-of-sale automotive financial services can defend their position…

… through pursuing a number of action points that will help them to realise their common vision

1.0 INTRODUCTION

What is this report about?

The focus of the report is on financial services related to the sale of passenger cars to individuals

Rationale

Financial services provision is crucial to the profitability of automotive entities…

… and extends to a range of insurance, warranty and assistance concepts…

… although published information on these markets remains at a premium

Changes in the structure of the dealer channel have implications for automotive financial services

Methodology

Dealer survey

Manufacturer survey

Market data

Computation of market data is based on a complex set of assumptions and variables…

… which Finaccord has compared against secondary information sources wherever possible

Definitions

Finaccord

PartnerBASE™

Other studies focused on automotive financial services in Europe

Errors, omissions and limit of liability

2.0 REGIONAL OVERVIEW

Introduction

Passenger vehicle data

The region’s passenger car parc is characterized by slow but predictable growth

Four of the eight markets reviewed experience a declining market for new passenger car sales

The used passenger car markets of Ireland and Spain chalk up the strongest rates of growth

New vehicle registrations are characterised by patriotic tendencies in several countries…

… although brands such as Honda, Hyundai, Suzuki and Toyota are all making steady progress..

Motor dealer data

The number of franchised dealers begins to grow following the low point reached in 2003…

… with the sale efficiency of Italy, Spain and the UK all now ahead of the regional average

Finance / leasing

Survey results

Provision of finance and leasing services is fundamental to the profitability of dealerships

Dealers are most likely to work with a high number of finance providers in Ireland and the UK

The average number of finance and leasing providers used by dealers rises in all markets…

… with the exception of Spain where many non-captive entities are struggling to advance

Captive finance providers exert the greatest control over dealerships in the Netherlands…

… with dealers most inclined to work with both captive and non-captive entities in the UK

Average customer take-up rates at the point of sale exceed 50% only in Italy and Portugal…

… although dealerships appear to be increasing their effectiveness in several markets…

… as a result of a number of factors related to development and marketing of finance products

Leasing accounts for more than 50% of all car finance deals for consumers only in Portugal

The vast majority of manufacturers and importers possess their own finance / leasing services

Market size and growth

In terms of the overall no. of credit agreements, the UK remains the region’s largest market…

… although Italy’s point-of-sale market is substantially larger than that of any other country…

… with a value well in excess of €20 billion in gross advances and assets leased in 2006

Private car finance in the region adds up to a market growing at an average annual rate of 2.3%

The strong performance of dealerships in Italy and Spain helps to offset weaknesses elsewhere

Total point-of-sale finance and leasing possessed a value of over €140 billion in 2006

In several countries, the dealership channel is competing effectively against direct lenders

Across the whole region, point-of-sale finance for new cars is still worth more than direct lending

The share of dealerships in finance provided for used car sales dwindles to 15.0% in 2006…

…although this still adds up to point-of-sale gross advances and assets leased of €29.8 billion

Motor insurance

Over a half of all dealers interviewed offer motor insurance in all territories other than Ireland

It is commonplace for dealerships on the Iberian peninsula to act as multi-tied agents…

… although elsewhere in Southern and Western Europe, captive propositions tend to dominate

Average take-up rates for new cars lie between one in four and one in five vehicles sold…

… although a significant proportion of this average may be due to bundling of ‘free’ insurance

Excluding Ireland, France appears to be the region’s least promising market for branded ins

Almost three quarters of the region’s manufacturers or importers operate branded schemes

Car dealerships: a viable motor insurance distribution channel for manufacturers and insurers?

Italy and the UK are the region’s largest markets for dealer-intermediated motor insurance…

… with the tougher conditions in France underlined by the much smaller estimated market value ..

Creditor insurance

Dealerships in the Netherlands continue to display little interest in selling creditor insurance

There is a dichotomy of experience when it comes to average take-up rates for creditor ins

Average cross-selling rates for creditor insurance in France continue to run at high levels

Manufacturer-branded creditor insurance programs are most widespread in Italy and the UK

Direct lenders account for the majority of creditor insurance sold in conjunction with car finance….

… with the value of the UK market likely to be in the region of five times that of its closest rival

Extended warranties

On average, close to 75% of dealers in the region are active in extended warranty sales

The average number of warranty providers used in France is high relative to other countries

Non-captive warranty prov. is developing as a result of the activity of several specialist firms…

… some of which operate internationally and some of which also run branded schemes

Average take-up rates for extended warranties vary significantly between different countries…

… although dealerships enjoy the advantage of being the natural channel for this type of cover

Overall take-up rates are lowest in Ireland as a result of limited provision on the part of dealers

Over 50% of brands considered run warranty programs in all countries other than Ireland

The market for used car warranties lags behind that for warranty extensions for new cars…

… in a total market worth around €1.17 billion in 2006 in terms of premiums written on new pols. ..

GAP insurance

Comprehensive pols. are only sold widely on a stand-alone basis in France, Ireland and the UK

The main non-captive finance and leasing providers in France also offer GAP insurance

Stand-alone GAP insurance is commonly sourced from non-captive providers

Stand-alone GAP insurance is a viable and well-developed market in both France and the UK

Overall take-up rates are significantly lower than average take-up rates only in Ireland

New initiatives for stand-alone GAP insurance may be introduced in Italy, Portugal and Spain

The market size for GAP insurance in France is almost identical to that for the UK

Road assistance

Breakdown recovery insurance is offered on a branded basis by virtually all manufacturers

A clutch of smaller national and international assist. firms are challenging the market leaders

Manufacturers’ captive finance operations

Financial services constitute a crucial source of profitability to major automotive groups…

… although the sale of a 51% stake in GMAC by General Motors is a significant development

3.0 BELGIUM

Introduction

Passenger vehicle data

Sales of both new cars and used cars rise strongly in 2006 following years of stagnation

The continuing popularity of the Citroën brand makes Peugeot Citroën the major group

Motor dealer data

The annual decline in dealer. sales outlets has continued almost uninterrupted in recent years…

… although by the standards of the region, dealers generate relatively low sales per outlet

Finance and leasing - market size and growth

Volumes in the finance and leasing market rise in 2006 in the wake of several years of decline…

… bringing average annual growth in private car finance in line with that for total cons. credit

Dealer survey - top level results

Provision rates for motor insurance, creditor insurance and ext. warranties have increased…

… although take-up rates among buyers of both new and used cars remain relatively modest

Belgian dealers are increasingly inclined to collaborate with a higher no. of finance providers

Over one third of finance agreements by volume are attributable to leasing-based contracts

Competitor dynamics

Finance / leasing: the competitive structure in Belgium is comparatively fragmented…

… with only three groups having achieved significant penetration among dealerships

Motor insurance: there is little scope for marketing non-captive policies through Belgian dealers.

Extended warranties: point-of-sale provision continues to be dominated by captive offerings

Manufacturer relationships

Finance / leasing: Alpha Credit provides finance on behalf of Toyota and several other brands

Motor insurance: P&V / Vivium Affinity lay claim to the highest number of manufacturer deals

Creditor insurance: almost two thirds of the brands maintain schemes for creditor insurance

Extended warranties: Real Garant and Car Garantie have both made significant progress

Road assistance: Touring Assistance and VTB VAB limit openings for the multi-nationals

Data bank

4.0 FRANCE

Introduction

Passenger vehicle data

France’s passenger car market is seemingly ossified in terms of its sales volume and value

The combined share of Peugeot Citroën and Renault Nissan is declining gradually

Motor dealer data

The number of franchised outlets has stabilised since the 20.2% annual decline in 2002…

… with French dealerships displaying a degree of sales efficiency close to the regional average.

Finance and leasing - market size and growth

The car finance market stagnated between 2002 and 2006 in terms of number of contracts…

… although it expanded at an average rate per annum of 1.7% when measured by its value

Statistics published by the ASF are broadly in line with these figures

Dealer survey - top level results

France scores high dealer penetration rates for ancillary insurance and warranty products…

… but competition from other distribution channels blunts the efforts of dealers in motor ins.

Packaging with finance and leasing products produces impressively high take-up rates…

… with those recorded for GAP insurance standing well ahead of those in any other country

The average number of providers of finance and leasing used by dealers has barely changed

Lending-based products make up almost two thirds of total consumer finance agreements

Competitor dynamics

Finance / leasing: non-captive point-of-sale finance prov. remains largely a four-way battle…

… although the development of Crédit Mutuel’s Financo has accelerated in recent years

Motor insurance: dealers focus mainly on intermediation of manufacturer-branded policies…

… with the leading finance and leasing providers having made little headway in this sector

Extended warranties: the major non-captive provs. are the leading finance and leasing firms…

… although independent providers like Icare and Gras Savoye also compete in this channel

GAP insurance: almost 40% of dealerships promote non-captive GAP insurance policies

Manufacturer relationships

Finance / leasing: Cetelem and CGI claim four significant non-captive relationships each

Motor insurance: SATEC’s ODL emerges as a new competitor in the market for branded pols.…

… although numerous underwriters and brokers continue to compete for man. mandates

Altima continues to work with Peugeot and Renault, the leading two auto. brands in France

April Développement has been linked to BMW and Mini since 2005…

… with the objective of offering an insurance proposition that covers every risk profile…

… and with great effort having been put into improving the efficacy of the dealer sales channel

Creditor insurance: manufacturer relationships remain largely unchanged since 2004

Extended warranties: Icare and the RAC operate the majority of man. warranty schemes

GAP insurance: Covéa Fleet is by far the dominant underwriter of branded GAP insurance…

… with few other insurers having secured relationships with manufacturers in this field

Road assistance: Europ Assistance / Mondial Assistance dominate man. partnerships…

Data bank

5.0 IRELAND

Introduction

Passenger vehicle data

A boom in the volume of imported vehicles contributes to a buoyant market for used car sales

Toyota is Ireland’s highest selling brand although the Volkswagen grouping is the overall leader

Motor dealer data

The number of franchised sales outlets remains static during 2005 following a sharp reduction

Average sales per sales contract in Ireland are lower than for any other country in the region

Finance and leasing - market size and growth

Money released from the SSIA scheme boosts the number of consumers buying cars with cash

The aggregate value of the private car finance market breaks the €3 billion barrier in 2005

Dealer survey - top level results

Extended warranties and GAP insurance achieve limited penetration only among Irish dealers

Cross-selling rates for ancillary automotive financial services are comparatively weak

On average, Irish dealers maintain links with between four and five provs. of finance and leasing

Lending-based contracts dominate point-of-sale finance in Ireland

Competitor dynamics

Finance / leasing: eight companies compete in the dealership distribution channel

Motor insurance: car dealerships are not perceived to be a viable distribution option

Extended warranties: where marketed, both captive and non-captive products are in evidence

GAP insurance: strong average take-up rates attract a clutch of non-captive providers

AUTOMOTIVE FINANCIAL SERVICES IN SOUTHERN AND WESTERN EUROPE

© FINACCORD (05/2007) VI

Manufacturer relationships

Finance / leasing: manufacturer schemes are dominated by a trio of external finance providers

Motor insurance: few branded motor insurance schemes have been established in Ireland

Creditor insurance: the absence of man. captives means that all relationships are indirect

Extended warranties: only one manufacturer brand operates its own extended warranty scheme

GAP insurance: only BMW possesses a stand-alone GAP insurance program

Road assistance: the AA currently holds the highest number of manufacturer relationships

Data bank

6.0 ITALY

Introduction

Passenger vehicle data

Sales of used cars breach the 3.0 million threshold in 2006 for the first time since 2003…

… with dealers now accounting for a share of around 36.0% of used car sales

The Fiat grouping continues to command a share of almost one third of passenger car sales

Motor dealer data

The long decline in the number of dealership outlets reaches a trough at the end of 2004…

… and Italian dealerships now rank alongside those in the UK in terms of sales efficiency

Finance and leasing - market size and growth

Used car finance benefits from an increase in the share of dealers of sales of second hand cars

In value terms, finance granted at the point of sale makes up almost two thirds of the mkt. total

Dealer survey - top level results

Over 80% of dealers intermediate motor insurance, creditor insurance and extended warranties

Italian dealerships achieve relatively high take-up rates for automotive financial services…

… and there is scope for more dealers to offer extended warranties to buyers of used cars

Dealers have increased the number of finance and leasing provs. with which they collaborate

Lending-based conts. account for over 80% of car finance agreements for consumers in Italy

Competitor dynamics

Finance / leasing: over two thirds of dealerships now use non-captive finance providers…

… with a fragmented group of around 15 companies making life difficult for captive firms

The leading non-captive entities have achieved rapid growth in gross advs. in recent years…

… with many controlled wholly or in part by foreign banks seeking to expand in the Italian mkt

Motor insurance: Identicar, through I.Car, and other non-captive insurers have made progress

Extended warranties: extended warranty provision is still dominated by manufacturers…

… although Car Garantie, Full Assistance Car and Mapfre Warranty are making inroads

Manufacturer relationships

Finance / leasing: Agos, Fiditalia and Findomestic each claim a handful of manufacturer deals

Motor insurance: the three Fiat Group brands offer policies underwritten by two partners…

… although the vast maj. of brands prefer to work on an exclusive basis with a single insurer

Creditor insurance: Cardif Assicurazioni controls around a half of direct man. relationships

Extended warranties: Icare challenges Mondial Assistance and RAS for man. mandates

Road assistance: Europ Assistance and ACI Global hold Mondial Assistance at bay

Data bank

7.0 NETHERLANDS

Introduction

Passenger vehicle data

The Dutch market for both new and used car sales has stagnated in recent years

The strong performance of Daihatsu, Kia and Mitsubishi boosts the share of smaller brands

Motor dealer data

The number of franchised dealership outlets seems likely to dip below 3,000 during 2007…

… given that the sales efficiency of Dutch dealerships lags behind the regional average

Finance and leasing - market size and growth

Dealerships suffer most from the declining volumes for new and used car finance contracts

The fastest-growing seg. within the Dutch car finance market is direct lending for used cars…

… but the value of the total market slipped at an annual ave. of -0.6% between 2002 and 2006

Dealer survey - top level results

Only around a quarter of Dutch dealers attempt to cross-sell creditor insurance with car finance .

Dealers. appear to have weakened as a distribution conduit, especially for finance and leasing

Dealerships are relatively unpromiscuous when it comes to partners for finance and leasing

By the standards of the region, use of leasing-based contracts by consumers is fairly popular

Competitor dynamics

Finance / leasing: around two thirds of dealerships remain loyal to captive finance providers…

… although DTC, among others, is achieving some penetration with its integrated proposition

Motor insurance: non-captive motor insurance provision appears to occur on an ad hoc basis

Ext. warranties: BOVAG’s own Dealergarant is used by some dealers on a non-captive basis

Manufacturer relationships

Finance / leasing: Alcredis, Ribank and Santander Consumer Finance all claim imp.partners

Motor insurance: Generali is linked to the brands within the Fiat and Volkswagen groupings

Creditor insurance: The Warranty Group accounts for the vast majority of direct partnerships

Ext. warranties: Car Garantie has picked up several mandates since market entry in 2000…

… while BOVAG’s own insurance company is used for warranty extensions by Toyota

Road assistance: the ANWB accounts for over a half of relationships for breakdown recovery

Data bank

8.0 PORTUGAL

Introduction

Passenger vehicle data

The volume of used car sales in Portugal exceeds 500,000 in each of 2005 and 2006

The Volkswagen grouping claims a position of leadership in the Portuguese market

Motor dealer data

The number of franchised dealership outlets has begun to increase following years of decline…

… in spite of the fact that they are the region’s least productive in terms of ave. sales per outlet

Finance and leasing - market size and growth

Volumes in the car finance and leasing market continue to recover from the low point of 2002…

… with the total market rising at an annual ave. of 4.8% in value terms for the period reviewed

Dealer survey - top level results

GAP insurance is never offered on a stand-alone basis by Portuguese car dealerships

Average take-up rates for finance and leasing remain strong if compared to the regional ave.

High customer take-up rates for used car warranties are due mainly to automatic packaging

Dealers. have expanded greatly their number of finance and leasing partners in recent years

Over 50% of car finance agreements concluded with consumers are leasing-based contracts

Competitor dynamics

Finance / leasing: captive finance providers risk being squeezed out by a host of competitors….

… among which Santander Consumer Finance appears to have emerged as a market leader

Motor insurance: captive propositions still struggle to usurp independent dealer relationships

Extended warranties: several providers are active in Portugal’s non-captive warranty sector

Manufacturer relationships

Finance / leasing: Interbanco provides fin. for Mitsubishi as well as the four Volkswagen brands.

Motor insurance: a majority of auto. brands work with single partners for motor insurance…

Creditor insurance: Alico, Cardif and Genworth Financial are the dominant external partners

Extended warranties: suppliers include the ACP, Europ Assistance and Mondial Assistance

Road assistance: the ACP currently claims well over a half of manufacturer relationships

Data bank

9.0 SPAIN

Introduction

Passenger vehicle data

The volume of used car sales finally overtakes the number of new car sales in 2005

The comparative popularity of Seat makes Volkswagen the leading manufacturer group

Motor dealer data

Following a low point reached at the start of 2004, the no. of franchised outlets has stabilised….

… with average sales per sales contract in Spain behind only the value recorded for Italy

Finance and leasing - market size and growth

The robust rate of growth of private car fin. contracts in Spain is due largely to used car sales

… with the combined point-of-sale and direct mkt. for used car finance worth some €7.42 billion.

Dealer survey - top level results

Provision rates by dealers are high for all auto. financial services other than GAP insurance

Dealerships have increased their effectiveness as intermediaries of finance and leasing…

… with strong average take-up rates also recorded for creditor insurance and ext. warranties

Captive finance entities and the leading independent providers have strengthened their position

Around four out of every five finance agreements can be described as lending-based contracts

Competitor dynamics

Finance / leasing: captives stage a fight back against independent finance providers…

… although Santander Consumer Finance continues to dominate non-captive provision

… and has also carved out a strong position for itself in international car finance markets

Santander Consumer Finance is seeking to optimise its expertise in dist. through dealers…

… and considers that the point of sale can combat successfully threat posed by direct lenders

Motor insurance: manufacturer-branded insurance is impeded by the agency status of dealers

Extended warranties: specialised brokers, such as Esegea and RSM Seguros, begin to emerge

GAP insurance: the stand-alone market in Spain has yet to develop to any significant extent

Manufacturer relationships

Finance / leasing: Santander’s influence extends to the finance of Porsche and Suzuki vehicles.

Motor insurance: major brands lacking a branded prop. include Chevrolet, Honda and Toyota

Creditor insurance: most major manufacturer brands in Spain offer branded creditor insurance

Extended warranties: Aon Gil y Carvajal’s Pluralia remains the dominant external player

GAP insurance: the waters are being tested for the introduction of further stand-alone policies

Road assistance: RACE and Europ Assistance claim the lion’s share of man. mandates

Data bank

10 UNITED KINDOM

Introduction

Passenger vehicle data

Falling sales of new cars to consumers bring about a contraction in the overall market…

… with used car sales also having diminished at an average annual rate of -0.4% since 2002

Solid sales of brands within the Ford grouping help to preserve its market leader status

Motor dealer data

The shrinkage in franchised dealership sales outlets in the UK is comparatively modest…

… as the sector continues to achieve average sales per outlet far in excess of the regional ave

Finance and leasing - market size and growth

In terms of its number of contracts, the UK’s private car finance has declined in recent years…

… a finding that is corroborated by statistics depicting the experience of the FLA’s members

In terms of its aggregate value, the market’s decline has been less precipitous…

… although the broader consumer credit sector continues to outperform motor finance

Dealer survey - top level results

Virtually all UK dealerships promote creditor insurance, ext. warranties and GAP insurance

Dealerships appear to have held their ground in the car finance market since the 2004 survey

Cross-selling rates for GAP insurance dwarf those for creditor insurance and ext. warranties

The average number of providers is boosted by the high proportion of multi-brand dealerships

Point-of-sale finance for cons. in the UK is oriented strongly towards lending-based contracts

Competitor dynamics

Finance / leasing: only 15% of dealers work exclusively with captive finance providers

A variety of non-captive finance and leasing firms provide competition to the leading trio

Motor insurance: Norwich Union is targeting the dealership channel as a non-captive provider…

… with its focus on seven-day insurance policies that can be bundled automatically by dealers

Extended warranties: a variety of non-captive schemes compete in the dealer channel…

… with Car Care Plan having rolled out several important initiatives to grow its business

GAP insurance: strong average take-up rates attract a clutch of non-captive providers

Abraxas, purchased in 2005 by Mapfre, is clearly a leader in the GAP insurance market

Manufacturer relationships

Finance / leasing: several joint ventures have been discontinued or are being wound down

Motor insurance: manufacturer-branded insurance is almost ubiquitous…

… although there have been a number of changes in underwriting rels. since mid-2006

Creditor insurance: manufacturer enthusiasm for creditor ins. schemes is highest in the UK

Extended warranties: Mondial Assistance and Car Care Plan remain the foremost suppliers

GAP insurance: in many cases, the partnerships are identical to those for creditor insurance

Road assistance: AA, Mondial Assistance and RAC still hold the major relationships

Data bank

GRAPHICS / TABLES

Dealers contacted for the research, segmented by country and manufacturer group affiliation

Manufacturer groups and brands contacted for the research

Overview of the passenger car parc in Southern and Western Europe, 2002-6

Overview of new passenger car sales in Southern and Western Europe, 2002-6

Overview of used passenger car sales in Southern and Western Europe, 2002-6

New car registrations in Southern and Western Europe segmented by manufacturer group, 2005/6

Number of franchised automotive dealership sales outlets in Southern and Western Europe, 2001-5

Average sales volume per franchised automotive dealership sales outlet in S/W. Europe, 2005

Comparison of % of dealers offering finance / leasing at the point of sale in S/W. Europe, 2007

Comparison of average number of providers used by dealers offering finance / leasing in S/W. Europe, 2007

Comp. of ave. number of provs. used by dealers offering fin. / leas. at the pos. in S/W. Europe, 2004-7 (data)

Comp. of captive / non-captive op. mods. used by dealers offering fin. / leas. at the pos. in S/W. Europe, 2007

Comp. of captive / non-cap. op. mods. used by dealers off. fin. / leas. at the pos. in S/W. Europe, 2007 (data)

Comp. of ave. % of new and used car purchasers contracting fin. / leas. at the pos. in S/W. Europe, 2007

Comp. of % of new and used car purchasers contracting fin. / leas. at the pos. in S/W. Europe, 2004-7 (data)

% of split of auto. finance at the pos. between lending-based and leasing-based conts. in S/W. Europe, 2007

Comp. of % of manufacturers / importers with arrangements for branded fin. / leas. in S/W. Europe, 2007

Comp. of volume of passenger cars financed in S/W. Europe seg. by new / used and by dist. channel, 2006

Comp. of vol. of pass. cars financed in S/W. Europe seg. by new / used and by dist. channel, 2006 (data)

Comp. of value of passenger cars financed in S/W. Europe seg. by new / used and by dist. channel, 2006

Comp. of value of pass. cars financed in S/W. Europe seg. by new / used and by distr. channel, 2006 (data)

Key data points for the pass. car fin. mkt. in S/W. Europe seg. by dist. channel: vols. and values, 2002-6

Total passenger car finance market in S/W. Europe segmented by distribution channel: volumes, 2002-6

Total passenger car finance market in S/W. Europe segmented by distribution channel: values, 2002-6

New passenger car finance market in S/W. Europe segmented by distribution channel: volumes, 2002-6

New passenger car finance market in S/W. Europe segmented by distribution channel: values, 2002-6

Used passenger car finance market in S/W. Europe segmented by distribution channel: volumes, 2002-6

Used passenger car finance market in S/W. Europe segmented by distribution channel: values, 2002-6

Comparison of % of dealers offering motor insurance at the point of sale in S/W. Europe, 2007

Comparison of average number of providers used by dealers offering motor insurance in S/W. Europe, 2007

Comp. of captive / non-captive op. models used by dealers off. motor ins. at the pos. in S/W. Europe, 2007

Comp. of captive / non-capt. op. mods. used by dealers off. motor ins. at the pos. in S/W. Europe, 2007 (data)

Comp. of ave. % of new and used car purchasers contracting motor ins. at the pos. in S/W. Europe, 2007

Comp. of overall % of new and used car purchasers contracting motor ins. at the pos. in S/W. Europe, 2007

Comp. of ave. and overall % of new / used car purch. acq. motor ins. at the pos. in S/W. Europe, 2007 (data)

Comp. of % of manufacturers / importers with arrangements for branded motor ins. in S/W. Europe, 2007

Approximate size of the dealer-intermediated motor ins. market in Southern and Western Europe, 2006

Comp. of % of dealers offering creditor insurance at the point of sale in S/W. Europe, 2007

Comp. of ave. % of new and used car purchasers acq. creditor ins. services at the pos. in S/W. Europe, 2007

Comp. of ove. % cross-sell rates at the pos. among new / used car purch. for cred. ins. in S/W. Europe, 2007

Comp. ave. and ove. % crs.-sell rates at the pos. new / used car purch. for cred. ins. in S/W. Eu., 2007 (data)

Comp. of % of manufacturers / importers with arrangements for branded creditor ins. in S/W. Europe, 2007

Approximate size of the creditor ins. market linked to passenger car finance in S/W. Europe, 2006

Comp. of % of dealers offering extended warranties at the point of sale in S/W. Europe, 2007

Comp. of ave. number of providers used by dealers offering extended warranties in S/W. Europe, 2007

Comp. of captive / non-captive op. models used by dealers offering ext. wts. at the pos. in S/W. Europe, 2007

Comp. of captive / non-capt. op. mods. used by dealers off. ext. wts. at the pos. in S/W. Europe, 2007 (data)

Comp. of ave. % of new and used car purch. contracting ext. wts. at the pos. in S/W. Europe, 2007

Comp. of overall % of new and used car purchasers contracting ext. wts. at the pos. in S/W. Europe, 2007

Comp. of ave. / overall % of new and used car purch. acq. ext. wts. at the pos. in S/W. Europe, 2007 (data)

Comp. of % of manufacturers / imps. with arrangements for branded ext. warranties in S/W. Europe, 2007

Approximate size of the market for extended warranties for new and used cars in S/W. Europe, 2006

Comp. of % of dealers offering GAP insurance at the point of sale in S/W. Europe, 2007

Comp. of ave. number of providers used by dealers offering GAP ins. in S/W. Europe, 2007

Comp. of captive / non-captive op. mods. used by dealers offering GAP ins. at the pos. in S/W. Europe, 2007

Comp. of captive / non-captive op. mods. used by dealers off. GAP ins. at the pos. in S/W. Eu., 2007 (data)

Comp. of ave. % of new and used car purchasers contracting GAP ins. at the pos. in S/W. Europe, 2007

Comp. of overall % of new and used car purchasers contract. GAP ins. at the pos. in S/W. Europe, 2007

Comp. of ave. and ove. % of new and used car purch. contract. GAP ins. at the pos. in S/W. Europe, 2007

Comp. of % of manufacturers / importers with arrangements for branded GAP ins. in S/W. Europe, 2007

Approximate size of the market for GAP ins. for new and used cars in S/W. Europe, 2006

Comp. of % of manufacturers / imps. with arrangements for branded road assistance in S/W. Europe, 2007

Partner market shares for manufacturer-branded road assistance in Southern and Western Europe, 2007

Partner market shares for manufacturer-branded road assistance in S/W. Europe, 2007 (data)

Global financial services revenues and pre-tax profits of major automotive manufacturer groups, 2005-6

Passenger car parc and new / used passenger car sales in Belgium, 2002-6

New car registrations in Belgium segmented by manufacturer group, 2006

Number of franchised automotive dealership sales outlets in Belgium, 2001-5

Key data points for the franchised automotive dealership distribution channel in Belgium, 2005

New / used passenger car finance market in Belgium segmented by dist. channel: volumes, 2002-6

New / used passenger car finance market in Belgium segmented by dist. channel: values, 2002-6

% of dealers offering various automotive financial services in Belgium, 2007

% of new and used car purchasers contracting auto. fin. services at the point of sale in Belgium, 2007

Average number of various automotive financial services providers used by dealers in Belgium, 2007

% of split of automotive finance at the point of sale in Belgium between lending and leasing contracts, 2007

Pen., op. mods. and non-captive part. mkt. shares for finance / leasing mktd. by dealers in Belgium, 2007

Pen., op. mods. and non-captive part. mkt. shares for motor insurance mktd. by dealers in Belgium, 2007

Pen., op. mods. and non-captive part. mkt. shares for extd. warranties mktd. by dealers in Belgium, 2007

Pen., op. models and non-captive part. market shares for man.-branded finance / leasing in Belgium, 2007

Pen., op. models and partner market shares for man.-branded motor insurance in Belgium, 2007

Pen., op. models and direct partner market shares for man.-branded creditor ins. in Belgium, 2007

Pen., op. models and partner market shares for man.-branded extd. warranties in Belgium, 2007

Pen., op. models and partner market shares for manufacturer-branded road assistance in Belgium, 2007

Key data points for automotive financial services in Belgium, 2002-6

Passenger car parc and new / used passenger car sales in France, 2002-6

New car registrations in France segmented by manufacturer group, 2006

Number of franchised automotive dealership sales outlets in France, 2001-5

Key data points for the franchised automotive dealership distribution channel in France, 2005

New / used passenger car finance market in France segmented by dist. channel: volumes, 2002-6

New / used passenger car finance market in France segmented by dist. channel: values, 2002-6

% of dealers offering various automotive financial services in France, 2007

% of new and used car purchasers contracting auto. fin. services at the point of sale in France, 2007

Average number of various automotive financial services providers used by dealers in France, 2007

% of split of automotive finance at the point of sale in France between lending and leasing contracts, 2007

Pen., op. mods. and non-captive part. mkt. shares for finance / leasing mktd. by dealers in France, 2007

Pen., op. mods. and non-captive part. mkt. shares for motor insurance mktd. by dealers in France, 2007

Pen., op. mods. and non-captive part. mkt. shares for extd. warranties mktd. by dealers in France, 2007

Pen., op. mods. and non-captive part. mkt. shares for GAP insurance mktd. by dealers in France, 2007

Pen., op. models and non-captive part. market shares for man.-branded finance / leasing in France, 2007

Pen., op. models and partner market shares for man.-branded motor insurance in France, 2007

Pen., op. models and direct partner market shares for man.-branded creditor ins. in France, 2007

Pen., op. models and partner market shares for man.-branded extd. warranties in France, 2007

Pen., op. models and partner market shares for manufacturer-branded GAP insurance in France, 2007

Pen., op. models and partner market shares for manufacturer-branded road assistance in France, 2007

Key data points for automotive financial services in France, 2002-6

Passenger car parc and new / used passenger car sales in Ireland, 2002-6

New car registrations in Ireland segmented by manufacturer group, 2006

Number of franchised automotive dealership sales outlets in Ireland, 2001-5

Key data points for the franchised automotive dealership distribution channel in Ireland, 2005

New / used passenger car finance market in Ireland segmented by dist. channel: volumes, 2002-6

New / used passenger car finance market in Ireland segmented by dist. channel: values, 2002-6

% of dealers offering various automotive financial services in Ireland, 2007

% of new and used car purchasers contracting auto. fin. services at the point of sale in Ireland, 2007

Average number of various automotive financial services providers used by dealers in Ireland, 2007

% of split of automotive finance at the point of sale in Ireland between lending and leasing contracts, 2007

Pen., op. mods. and non-captive part. mkt. shares for finance / leasing mktd. by dealers in Ireland, 2007

Pen., op. mods. and non-captive part. mkt. shares for motor insurance mktd. by dealers in Ireland, 2007

Pen., op. mods. and non-captive part. mkt. shares for extd. warranties mktd. by dealers in Ireland, 2007

Pen., op. mods. and non-captive part. mkt. shares for GAP insurance mktd. by dealers in Ireland, 2007

Pen., op. models and non-captive part. market shares for man.-branded finance / leasing in Ireland, 2007

Pen., op. models and partner market shares for man.-branded motor insurance in Ireland, 2007

Pen., op. models and direct partner market shares for man.-branded creditor ins. in Ireland, 2007

Pen., op. models and partner market shares for man.-branded extd. warranties in Ireland, 2007

Pen., op. models and partner market shares for manufacturer-branded GAP insurance in Ireland, 2007

Pen., op. models and partner market shares for manufacturer-branded road assistance in Ireland, 2007

Key data points for automotive financial services in Ireland, 2002-6

Passenger car parc and new / used passenger car sales in Italy, 2002-6

New car registrations in Italy segmented by manufacturer group, 2006

Number of franchised automotive dealership sales outlets in Italy, 2001-5

Key data points for the franchised automotive dealership distribution channel in Italy, 2005

New / used passenger car finance market in Italy segmented by dist. channel: volumes, 2002-6

New / used passenger car finance market in Italy segmented by dist. channel: values, 2002-6

% of dealers offering various automotive financial services in Italy, 2007

% of new and used car purchasers contracting auto. fin. services at the point of sale in Italy, 2007

Average number of various automotive financial services providers used by dealers in Italy, 2007

% of split of automotive finance at the point of sale in Italy between lending and leasing contracts, 2007

Pen., op. mods. and non-captive part. mkt. shares for finance / leasing mktd. by dealers in Italy, 2007

Pen., op. mods. and non-captive part. mkt. shares for motor insurance mktd. by dealers in Italy, 2007

Pen., op. mods. and non-captive part. mkt. shares for extd. warranties mktd. by dealers in Italy, 2007

Pen., op. models and non-captive part. market shares for man.-branded finance / leasing in Italy, 2007

Pen., op. models and partner market shares for man.-branded motor insurance in Italy, 2007

Pen., op. models and direct partner market shares for man.-branded creditor ins. in Italy, 2007

Pen., op. models and partner market shares for man.-branded extd. warranties in Italy, 2007

Pen., op. models and partner market shares for manufacturer-branded road assistance in Italy, 2007

Key data points for automotive financial services in Italy, 2002-6

Passenger car parc and new / used passenger car sales in the Netherlands, 2002-6

New car registrations in the Netherlands segmented by manufacturer group, 2006

Number of franchised automotive dealership sales outlets in the Netherlands, 2001-5

Key data points for the franchised automotive dealership distribution channel in the Netherlands, 2005

New / used passenger car finance market in the Netherlands segmented by dist. channel: volumes, 2002-6

New / used passenger car finance market in the Netherlands segmented by dist. channel: values, 2002-6

% of dealers offering various automotive financial services in the Netherlands, 2007

% of new and used car purchasers contracting auto. fin. services at the point of sale in the N’lands, 2007

Average number of various automotive financial services providers used by dealers in the N’lands, 2007

% of split of automotive finance at the point of sale in N’lands between lending and leasing contracts, 2007

Pen., op. mods. and non-captive part. mkt. shares for finance / leasing mktd. by dealers in N’lands, 2007

Pen., op. mods. and non-captive part. mkt. shares for motor insurance mktd. by dealers in N’lands, 2007

Pen., op. mods. and non-captive part. mkt. shares for extd. warranties mktd. by dealers in N’lands, 2007

Pen., op. models and non-captive part. market shares for man.-branded finance / leasing in N’lands, 2007

Pen., op. models and partner market shares for man.-branded motor insurance in N’lands, 2007

Pen., op. models and direct partner market shares for man.-branded creditor ins. in the N’lands, 2007

Pen., op. models and partner market shares for man.-branded extd. warranties in N’lands, 2007

Pen., op. models and partner market shares for manufacturer-branded road assistance in N’lands, 2007

Key data points for automotive financial services in the Netherlands, 2002-6

Passenger car parc and new / used passenger car sales in Portugal, 2002-6

New car registrations in Portugal segmented by manufacturer group, 2006

Number of franchised automotive dealership sales outlets in Portugal, 2001-5

Key data points for the franchised automotive dealership distribution channel in Portugal, 2005

New / used passenger car finance market in Portugal segmented by dist. channel: volumes, 2002-6

New / used passenger car finance market in Portugal segmented by dist. channel: values, 2002-6

% of dealers offering various automotive financial services in Portugal, 2007

% of new and used car purchasers contracting auto. fin. services at the point of sale in Portugal, 2007

Average number of various automotive financial services providers used by dealers in Portugal, 2007

% of split of automotive finance at the point of sale in Portugal between lending and leasing contracts, 2007

Pen., op. mods. and non-captive part. mkt. shares for finance / leasing mktd. by dealers in Portugal, 2007

Pen., op. mods. and non-captive part. mkt. shares for motor insurance mktd. by dealers in Portugal, 2007

Pen., op. mods. and non-captive part. mkt. shares for extd. warranties mktd. by dealers in Portugal, 2007

Pen., op. models and non-captive part. market shares for man.-branded finance / leasing in Portugal, 2007

Pen., op. models and partner market shares for man.-branded motor insurance in Portugal, 2007

Pen., op. models and direct partner market shares for man.-branded creditor ins. in Portugal, 2007

Pen., op. models and partner market shares for man.-branded extd. warranties in Portugal, 2007

Pen., op. models and partner market shares for manufacturer-branded road assistance in Portugal, 2007

Key data points for automotive financial services in Portugal, 2002-6

Passenger car parc and new / used passenger car sales in Spain, 2002-6

New car registrations in Spain segmented by manufacturer group, 2006

Number of franchised automotive dealership sales outlets in Spain, 2001-5

Key data points for the franchised automotive dealership distribution channel in Spain, 2005

New / used passenger car finance market in Spain segmented by dist. channel: volumes, 2002-6

New / used passenger car finance market in Spain segmented by dist. channel: values, 2002-6

% of dealers offering various automotive financial services in Spain, 2007

% of new and used car purchasers contracting auto. fin. services at the point of sale in Spain, 2007

Average number of various automotive financial services providers used by dealers in Spain, 2007

% of split of automotive finance at the point of sale in Spain between lending and leasing contracts, 2007

Pen., op. mods. and non-captive part. mkt. shares for finance / leasing mktd. by dealers in Spain, 2007

Pen., op. mods. and non-captive part. mkt. shares for motor insurance mktd. by dealers in Spain, 2007

Pen., op. mods. and non-captive part. mkt. shares for extd. warranties mktd. by dealers in Spain, 2007

Pen., op. mods. and non-captive part. mkt. shares for GAP insurance mktd. by dealers in Spain, 2007

Pen., op. models and non-captive part. market shares for man.-branded finance / leasing in Spain, 2007

Pen., op. models and partner market shares for man.-branded motor insurance in Spain, 2007

Pen., op. models and direct partner market shares for man.-branded creditor ins. in Spain, 2007

Pen., op. models and partner market shares for man.-branded extd. warranties in Spain, 2007

Pen., op. models and partner market shares for manufacturer-branded GAP insurance in Spain, 2007

Pen., op. models and partner market shares for manufacturer-branded road assistance in Spain, 2007

Key data points for automotive financial services in Spain, 2002-6

Passenger car parc and new / used passenger car sales in the UK, 2002-6

New car registrations in the UK segmented by manufacturer group, 2006

Number of franchised automotive dealership sales outlets in the UK, 2001-5

Key data points for the franchised automotive dealership distribution channel in the UK, 2005

New / used passenger car finance market in the UK segmented by dist. channel: volumes, 2002-6

New / used passenger car finance market in the UK segmented by dist. channel: values, 2002-6

% of dealers offering various automotive financial services in the UK, 2007

% of new and used car purchasers contracting auto. fin. services at the point of sale in the UK, 2007

Average number of various automotive financial services providers used by dealers in the UK, 2007

% of split of automotive finance at the point of sale in the UK between lending and leasing contracts, 2007

Pen., op. mods. and non-captive part. mkt. shares for finance / leasing mktd. by dealers in the UK, 2007

Pen., op. mods. and non-captive part. mkt. shares for motor insurance mktd. by dealers in the UK, 2007

Pen., op. mods. and non-captive part. mkt. shares for extd. warranties mktd. by dealers in the UK, 2007

Pen., op. mods. and non-captive part. mkt. shares for GAP insurance mktd. by dealers in the UK, 2007

Pen., op. models and non-captive part. market shares for man.-branded finance / leasing in the UK, 2007

Pen., op. models and partner market shares for man.-branded motor insurance in the UK, 2007

Pen., op. models and direct partner market shares for man.-branded creditor ins. in the UK, 2007

Pen., op. models and partner market shares for man.-branded extd. warranties in the UK, 2007

Pen., op. models and partner market shares for manufacturer-branded GAP insurance in the UK, 2007

Pen., op. models and partner market shares for manufacturer-branded road assistance in the UK, 2007

Key data points for automotive financial services in the UK, 2002-6

Abstract

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