Extended Warranties and Insurance for Mobile Consumer Products in Northern and Central Europe : Market Research Report

Extended Warranties and Insurance for Mobile Consumer Products in Northern and Central Europe

Published: Jun. 1, 2009 - 200 Pages

0.0 EXECUTIVE SUMMARY: The market across ten countries was worth approximately €605.8 million in 2008…; … with cross-selling rates likely to vary greatly from one country to another; Mobile telephone insurance accounts for the largest single share of the total market value; Not all manufacturers run extended warranty and insurance schemes on a purely captive basis…; … although they are generally more likely to do so than retailers and mobile network operators; Captive programs may generate opportunities in insurance, reinsurance or administration; A number of factors will assist continuing growth in the extended warranty and insurance sector…; … including the launch of new schemes, improved cross-selling and product innovation…; … although the dynamics of the market are complicated by a range of factors…; … such as the growing use of the Internet as a sales channel for mobile consumer products; Bundling with banking products does not yet constitute a serious threat to stand-alone sales; Opportunities will arise for both international competitors and nationally focused protagonists
1.0 INTRODUCTION: Rationale; Most published data focuses disproportionately on the underlying mobile products themselves…; … ignoring the fact that manufacturers and distributors can make large profits from related services; Consumers are increasingly at large with high value mobile devices in their pockets…; … but evolving distribution channels both favour and impede extended warranties and insurance; Finaccord; PartnerBASE™; Methodology; The survey extends to almost 600 manufacturers and distributors of mobile consumer products; Definitions; Warranty and insurance products linked to mobile products come in a variety of formats…; … and are frequently marketed to consumers under alternative titles
2.0 REGIONAL OVERVIEW: Introduction; Underlying market data; Laptop computers; The volume of sales per capita of laptop computers is highest in Denmark; Germany alone accounts for 53.8% of the total market value in Northern and Central Europe; Digital cameras; Slovakia is both the smallest and the least developed market for digital camera sales…; … with sales value per capita highest at €33.55 in Norway; Mobile telephones; Mobile telephone subscriptions across the ten countries reach 216.57million in 2008…; … with the Czech Republic leading the field in terms of the number of subscriptions per capita; Manufacturers’ provision of extended warranties and insurance; Manufacturers of digital cameras are least likely to offer extended warranties or insurance; Manufacturer policies in Germany and Norway typically offer the broadest coverage; Most manufacturers adhere to a captive model for extended warranty and insurance programs…; … although some utilise external partners on a multi-country basis or in specific geographies; Distributors’ provision of extended warranties and insurance; The Czech Republic, Hungary and Poland have seen the least development thus far; A clear majority of distributor policies in all but one country offer more comprehensive coverage; Distributors adhere to a broad range of operating models for warranty and insurance schemes; Estimated cross-selling rates for extended warranties and insurance; Cross-selling rates are generally highest in Austria, Denmark and Norway; Estimated market size for extended warranties and insurance; The regional market was worth approximately €605.8 million in 2008…; … with mobile telephone insurance making up over a significant proportion of this market value; In per capita terms, the Nordic countries are the region’s most developed markets; The value of the German market is more than three times that of Sweden, the next largest…; … in spite of the fact that mobile telephone insurance is somewhat under-developed in Germany; Extended warranties and insurance packaged with banking products; Packaged warranty cover has not yet reached a level that threatens the stand-alone market…; … and packaged mobile telephone cover is even less apparent in Northern and Central Europe
3.0 AUSTRIA: Introduction to the market for mobile consumer products; Research scope; Organisations active in the distribution of mobile consumer products; Underlying market data; Sales per capita for laptops and digital cameras are above the regional average; The value of the market for digital cameras reached €154.3 million in 2008; Mobile telephone subscriptions per capita fall below the average for Europe; Survey results - manufacturers of mobile consumer products; Penetration rates for extended warranty and insurance programs; Most major manufacturers of laptop computers offer an extended warranty proposition; Types of cover offered under extended warranty and insurance programs; Cover for accidental damage is included in less than a third of the programs reviewed; Operating models and partners for extended warranty and insurance programs; Schemes are organised through a combination of captive initiatives and external partnerships; Survey results - distributors of mobile consumer products; Penetration rates for extended warranty and insurance programs; Distributors most frequently offer warranties and insurance in conjunction with laptop computers; Types of cover offered under extended warranty and insurance programs; Cover in the event of theft applies in almost 80% of programs analysed; Operating models and partners for extended warranty and insurance programs; Most distributors co-operate with a broker or a single, external underwriter; itonia it-insurance & service is the dominant broker for warranty and insurance schemes; Packaging with payment cards and bank accounts; Payment cards and bank accounts are not normally linked to extended warranties and insurance; Key competitors in extended warranty and insurance programs; assona / AXA Versicherung; itonia it-insurance & service / Generali Versicherung; Estimated market size; Mobile telephone insurance is likely to account for in excess of one half of the Austrian market
4.0 CZECH REPUBLIC: Introduction to the market for mobile consumer products; Research scope; Organisations active in the distribution of mobile consumer products; Underlying market data; In terms of per capita sales volumes, the Czech Republic is only ahead of neighbouring Slovakia…; … with a similar ranking observed when measured by sales values per capita; Czech consumers are the region’s most enthusiastic subscribers of mobile telephony services; Survey results - manufacturers of mobile consumer products; Penetration rates for extended warranty and insurance programs; Extended warranty schemes exist for almost three quarters of major laptop manufacturers; Types of cover offered under extended warranty and insurance programs; Most manufacturer extended warranties are restricted to cover in the event of technical breakdown; Operating models and partners for extended warranty and insurance programs; Most manufacturer extended warranty programs are organised on a captive basis; Survey results - distributors of mobile consumer products; Penetration rates for extended warranty and insurance programs; The percentage of distributors offering extended warranties or related insurance is relatively low; Types of cover offered under extended warranty and insurance programs; Protection in the event of accidental damage applies in close to two thirds of cases; Operating models and partners for extended warranty and insurance programs; Both Moderna Forsäkringar and Generali Pojišovna are active as partners to distributors; Packaging with payment cards and bank accounts; Few banking products incorporate packaged cover in the Czech Republic; Key competitors in extended warranty and insurance programs; Estimated market size; Extended warranties and insurance for mobile products are at a very early stage of development
5.0 DENMARK: Introduction to the market for mobile consumer products; Research scope; Organisations active in the distribution of mobile consumer products; Underlying market data; Sales per capita for laptops and digital cameras are among the highest in the region; The value of the market for laptop computers reached €477.3 million in 2008; The annual growth rate for mobile telephone subscriptions is below the regional average; Survey results - manufacturers of mobile consumer products; Penetration rates for extended warranty and insurance programs; Only a handful of m ajor manufacturers of digital cameras offer an extended warranty; Types of cover offered under extended warranty and insurance programs; Cover for technical breakdown is a ubiquitous element of manufacturer policies in Denmark; Operating models and partners for extended warranty and insurance programs; Schemes are usually organised through captive initiatives; Survey results - distributors of mobile consumer products; Penetration rates for extended warranty and insurance programs; Distributors of mobile telephones are least likely to offer a related insurance policy; Types of cover offered under extended warranty and insurance programs; Cover for accidental damage is always present within distributor extended warranties; Operating models and partners for extended warranty and insurance programs; Several external partners compete for mandates in the Danish extended warranty market…; … with Assurant Solutions having secured the highest outright number of partnerships; Packaging with payment cards and bank accounts; A comparatively high number of banking products incorporate extended warranty schemes; Key competitors in extended warranty and insurance programs; Assurant Solutions; Estimated market size; The Danish market is significantly smaller than that of either Norway or Sweden
6.0 GERMANY: Introduction to the market for mobile consumer products; Research scope; Organisations active in the distribution of mobile consumer products; Underlying market data; Sales volumes per capita for laptops and digital cameras are above the regional average; Germany’s market value for laptop computers exceeded €4 billion in 2008; Mobile telephone subscriptions per capita are second highest in Northern and Central Europe; Survey results - manufacturers of mobile consumer products; Penetration rates for extended warranty and insurance programs; Most major manufacturers of laptop computers operate a warranty or insurance program; Types of cover offered under extended warranty and insurance programs; Cover for accidental damage is included in almost one half of the programs reviewed; Operating models and partners for extended warranty and insurance programs; Schemes are organised through a combination of captive initiatives and external partnerships; Survey results - distributors of mobile consumer products; Penetration rates for extended warranty and insurance programs; Less than a half of retailers of mobile consumer products sell extended warranties or insurance; Types of cover offered under extended warranty and insurance programs; Cover for accidental damage and theft is often included in the policies marketed by distributors; Operating models and partners for extended warranty and insurance programs; Although there are notable exceptions, most distributors collaborate with external partners; A variety of underwriters compete for warranty and insurance schemes…; … while the role of brokers in this area is of limited importance; Packaging with payment cards and bank accounts; Packaged cover within banking products is a relatively limited feature of the German market; Key competitors in extended warranty and insurance programs; Domestic & General; Inter Assurance; KarstadtQuelle Versicherungen; Neckermann Versicherungen; Wertgarantie; Estimated market size; Germany’s market value is less than might be anticipated given the size of its population
7.0 HUNGARY: Introduction to the market for mobile consumer products; Research scope; Organisations active in the distribution of mobile consumer products; Underlying market data; Sales volumes per capita are higher in Hungary than the Czech Republic, Poland and Slovakia…; … with the same assertion also applying when sales values per capita are measured; Mobile telephone subscriptions per capita reached 1.00 in 2006 but continue to grow steadily; Survey results - manufacturers of mobile consumer products; Penetration rates for extended warranty and insurance programs; Manufacturer rates of provision are somewhat lower in Hungary than elsewhere in the region; Types of cover offered under extended warranty and insurance programs; Protection in the event of technical breakdown is the limit of most manufacturer policies; Operating models and partners for extended warranty and insurance programs; All manufacturer extended warranty programs in Hungary are configured on a captive basis; Survey results - distributors of mobile consumer products; Penetration rates for extended warranty and insurance programs; Excluding mobile telephones, one quarter of mobile product distributors offer extended warranties; Types of cover offered under extended warranty and insurance programs; Protection in the event of loss and theft is entirely absent from the Hungarian market; Operating models and partners for extended warranty and insurance programs; All initiatives launched thus far by distributors are organised through non-captive partners; Packaging with payment cards and bank accounts; Two banks have added extended warranty or mobile telephone cover into their payment cards; Key competitors in extended warranty and insurance programs; Hyper Project / AIM Általános Biztosító; Estimated market size; Mobile telephone insurance accounts for a relatively low share of a very small overall market
8.0 NORWAY: Introduction to the market for mobile consumer products; Research scope; Organisations active in the distribution of mobile consumer products; Underlying market data; Sales volumes per capita for laptop computers are equal to Sweden but behind Denmark…; … although Norway is ranked first in Northern and Central Europe for sales values per capita; The annual growth rate for mobile telephone subscriptions is well below the regional average; Survey results - manufacturers of mobile consumer products; Penetration rates for extended warranty and insurance programs; Manufacturer rates of provision fairly low low in Norway in comparison to the region as a whole; Types of cover offered under extended warranty and insurance programs; Cover for accidental damage is included in a half of the warranty programs reviewed; Operating models and partners for extended warranty and insurance programs; Most manufacturers offer warranty or insurance schemes on a captive basis; Survey results - distributors of mobile consumer products; Penetration rates for extended warranty and insurance programs; Distributor provision of extended warranties and insurance is comparatively commonplace; Types of cover offered under extended warranty and insurance programs; Cover in the case of technical breakdown is less frequent than in most other countries; Operating models and partners for extended warranty and insurance programs; Several providers are active in the Norwegian market for extended warranties and insurance; Packaging with payment cards and bank accounts; Packaging with banking products is an occasional feature of the Norwegian market; Key competitors in extended warranty and insurance programs; AmTrust International Underwriters; Gjensidige Forsikring; Tennant Forsikring; Estimated market size; Mobile telephone insurance is estimated to account for two thirds of Norway’s market
9.0 POLAND: Introduction to the market for mobile consumer products; Research scope; Organisations active in the distribution of mobile consumer products; Underlying market data; In terms of per capita sales volumes, Poland is ranked eighth out of the ten countries reviewed…; … with a similar ranking observed when measured by sales values per capita; Poland displays the highest growth rate for mobile subscriptions between 2004 and 2008; Survey results - manufacturers of mobile consumer products; Penetration rates for extended warranty and insurance programs; Two thirds of major manufacturers of laptops have introduced an extended warranty scheme; Types of cover offered under extended warranty and insurance programs; Few policies offer protection over and above cove r in the event of technical breakdown; Operating models and partners for extended warranty and insurance programs; The partnership of Dell with London General Insurance is also applicable in Poland; Survey results - distributors of mobile consumer products; Penetration rates for extended warranty and insurance programs; Only a small minority of distributors of mobile products offer warranty or insurance policies; Types of cover offered under extended warranty and insurance programs; Extended cover for technical breakdown is excluded from the policies of Carrefour and Mix; Operating models and partners for extended warranty and insurance programs; Compensa and ERGO Hestia both possess a pair of significant relationships with distributors; Packaging with payment cards and bank accounts; Two payment card issuers package extended warranty cover with most of their card portfolio; Key competitors in extended warranty and insurance programs; Compensa; ERGO Hestia; The Warranty Group / London General Insurance; Warta; Estimated market size; The Polish market remains in its infancy although should ultimately deliver strong growth
10.0 SLOVAKIA: Introduction to the market for mobile consumer products; Research scope; Organisations active in the distribution of mobile consumer products; Underlying market data; By a considerable distance, Slovakia is Northern and Central Europe’s smallest market; The value of laptop computer sales per capita stood at just €7.43 in 2008; Slovakia is the region’s only market in which mobile subscriptions per capita remain below 1.00; Survey results - manufacturers of mobile consumer products; Penetration rates for extended warranty and insurance programs; Slovakia sees manufacturer rates of provision that are generally lower than elsewhere in the region; Types of cover offered under extended warranty and insurance programs; The majority of manufacturer policies offer no protection beyond cover for technical breakdown; Operating models and partners for extended warranty and insurance programs; Captive operating models dominate manufacturer provision of extended warranties in Slovakia; Survey results - distributors of mobile consumer products; Penetration rates for extended warranty and insurance programs; For all product categories, slightly less than a half of distributors offer extended warranties; Types of cover offered under extended warranty and insurance programs; Only one distributor program in Slovakia incorporates protection in the event of theft; Operating models and partners for extended warranty and insurance programs; Cardif, Generali Pojišovna and Moderna Forsäkringar are all active as non-captive partners; Packaging with payment cards and bank accounts; Packaging with payment cards and bank accounts is not a feature of the Slovakian market; Key competitors in extended warranty and insurance programs; Cardif; Estimated market size; The total market size in Slovakia is unlikely to have been any more than €2.0 million in 2008
11.0 SWEDEN: Introduction to the market for mobile consumer products; Research scope; Organisations active in the distribution of mobile consumer products; Underlying market data; Sales volumes per capita for laptops and digital cameras are well above the regional average; The value of the combined market for laptop computers and digital cameras is close to €1 billion; Mobile telephone subscriptions per capita fall below the average for Northern and Central Europe; Survey results - manufacturers of mobile consumer products; Penetration rates for extended warranty and insurance programs; Few major manufacturers of digital cameras offer extended warranties or insurance in Sweden; Types of cover offered under extended warranty and insurance programs; The majority of manufacturer policies provide protection only for technical breakdown; Operating models and partners for extended warranty and insurance programs; Excluding the programs of Acer and Dell, all manufacturer schemes are run on a captive basis; Survey results - distributors of mobile consumer products; Penetration rates for extended warranty and insurance programs; Over a half of distributors of mobile telephones offer a related insurance policy; Types of cover offered under extended warranty and insurance programs; Cover in the event of accidental damage applies in the vast majority of programs analysed; Operating models and partners for extended warranty and insurance programs; Although there are notable exceptions, most distributors collaborate with external partners; SOLID Forsäkring emerges as the leader in terms of its outright number of schemes; Packaging with payment cards and bank accounts; Extended warranty cover is a feature of several banking products in Sweden; Key competitors in extended warranty and insurance programs; Moderna Försäkringar; SOLID Försäkring; White Label Insurance; Estimated market size; Laptop computer warranties and insurance make up almost one quarter of the Swedish market
12.0 SWITZERLAND: Introduction to the market for mobile consumer products; Research scope; Organisations active in the distribution of mobile consumer products; Underlying market data; More than 500,000 digital cameras were sold in Switzerland in 2008; The value of sales per capita for mobile consumer products is above the regional average; Mobile telephone subscriptions per capita fall below the average for Northern and Central Europe; Survey results - manufacturers of mobile consumer products; Penetration rates for extended warranty and insurance programs; Most but not all major manufacturers of laptops operate a warranty or insurance program; Types of cover offered under extended warranty and insurance programs; Most manufacturer policies are limited to providing cover in the event of technical breakdown; Operating models and partners for extended warranty and insurance programs; Extended warranty and insurance schemes are usually organized on a captive basis; Survey results - distributors of mobile consumer products; Penetration rates for extended warranty and insurance programs; Only a minority of Swiss distributors of mobile telephones offer extended warranties and insurance; Types of cover offered under extended warranty and insurance programs; Cover in the event of airtime abuse applies in about half of all programs analysed; Operating models and partners for extended warranty and insurance programs; Swiss distributors are relatively likely to operate extended warranty schemes on a captive basis; Packaging with payment cards and bank accounts; Packaged cover through payment cards and bank accounts is non-existent in Switzerland; Key competitors in extended warranty and insurance programs; Finaref Assurances; Estimated market size; Switzerland’s market appears relatively small when compared to the country’s wealth
GRAPHICS / TABLES: Organisations covered by the research in Northern and Central Europe segmented by type and by country; Volume of laptop computer sales in Northern and Central Europe, outright and per capita, 2008; Volume of laptop computer sales in Northern and Central Europe, outright and per capita, 2008 (data); Value of laptop computer sales in Northern and Central Europe, outright and per capita, 2008; Value of laptop computer sales in Northern and Central Europe, outright and per capita, 2008 (data); Volume of digital camera sales in Northern and Central Europe, outright and per capita, 2008; Volume of digital camera sales in Northern and Central Europe, outright and per capita, 2008 (data); Value of digital camera sales in Northern and Central Europe, outright and per capita, 2008; Value of digital camera sales in Northern and Central Europe, outright and per capita, 2008 (data); Volume of mobile telephone subscriptions in Northern and Central Europe, 2004-8; Volume of mobile telephone subscriptions in Northern and Central Europe, 2004-8 (data); Volume of mobile telephone subscriptions per capita in Northern and Central Europe, 2004-8; Volume of mobile telephone subscriptions per capita in Northern and Central Europe, 2004-8 (data); % of manufacturers of mobile consumer products offering extended warranty / insurance programs segmented by; type of mobile consumer product in Northern and Central Europe, 2009; % of manufacturers of mobile consumer products offering extended warranty / insurance programs segmented by; type of mobile consumer product in Northern and Central Europe, 2009 (data); % of extended warranty / insurance programs offered by manufacturers covering one or more of accidental; damage, loss and / or theft in Northern and Central Europe, 2009; Operating models used for extended warranty / insurance programs offered by manufacturers of mobile consumer; products in Northern and Central Europe, 2009; Operating models used for extended warranty / insurance programs offered by manufacturers of mobile consumer; products in Northern and Central Europe, 2009 (data); % of distributors of mobile consumer products offering extended warranty / insurance programs segmented by; type of mobile consumer product in Northern and Central Europe, 2009; % of distributors of mobile consumer products offering extended warranty / insurance programs segmented by; type of mobile consumer product in Northern and Central Europe, 2009 (data); % of extended warranty / insurance programs offered by distributors in Northern and Central Europe covering one; or more of accidental damage, loss, theft and / or airtime abuse, 2009; Operating models used for extended warranty / insurance programs offered by distributors in Northern and Central; Europe, 2009; Operating models used for extended warranty / insurance programs offered by distributors in Northern and Central; Europe, 2009 (data); Estimated % cross-sell rates for extended warranty and insurance programs linked to mobile consumer products in; Northern and Central Europe, 2009; Estimated % cross-sell rates for extended warranty and insurance programs linked to mobile consumer products in; Northern and Central Europe, 2009 (data); Estimated value of the market for extended warranties and insurance linked to mobile consumer products in; Northern and Central Europe split by country, 2008; Estimated value of the market for extended warranties and insurance linked to mobile consumer products in; Northern and Central Europe split by type of mobile consumer product, 2008; Implied value per capita of the market for extended warranties and insurance linked to mobile consumer products; in Northern and Central Europe split by country, 2008; Estimated value of the market for extended warranties and insurance linked to mobile consumer products in; Northern and Central Europe split by country and by type of mobile consumer product, 2008 (€ million); Estimated value of the market for extended warranties and insurance linked to mobile consumer products in; Northern and Central Europe split by country and by type of mobile consumer product, 2008 (%); Estimated value of the market for ext. warranties and insurance linked to mobile consumer products in Northern; and Central Europe split by country and by type of mobile consumer product, 2008 (€ million and %) (data); Banking product penetration rates for extended warranties in Northern and Central Europe, segmented by country,; 2009; Banking product penetration rates for mobile telephone insurance in Northern and Central Europe, segmented by; country, 2009; Volume of laptop computer and digital camera sales in Austria, outright and per capita, 2008; Value of laptop computer and digital camera sales in Austria, outright and per capita, 2008; Mobile telephone subscriptions and mobile telephone subscriptions per capita in Austria, 2004-8; Penetration rates for extended warranty and insurance programs offered by manufacturers of mobile consumer; products in Austria, 2009; Types of cover included under extended warranty and insurance programs offered by manufacturers of mobile; consumer products in the Austria, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; manufacturers of mobile consumer prodcuts in Austria, 2009; Penetration rates for extended warranty and insurance programs among distributors of mobile consumer products; in Austria, 2009; Types of cover included under extended warranty and insurance programs offered by distributors of mobile; consumer products in Austria, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; distributors of mobile consumer products in Austria, 2009; Percentage of payment cards and bank accounts with packaged extended warranty and / or mobile telephone; insurance cover in Austria, 2009; Estimated market size in terms of revenues / gross premiums written, for extended warranty and insurance; programs linked to mobile consumer products in Austria, 2008; Volume of laptop computer and digital camera sales in the Czech Republic, outright and per capita, 2008; Value of laptop computer and digital camera sales in the Czech Republic, outright and per capita, 2008; Mobile telephone subscriptions and mobile telephone subscriptions per capita in the Czech Republic, 2004-8; Penetration rates for extended warranty and insurance programs offered by manufacturers of mobile consumer; products in the Czech Republic, 2009; Types of cover included under extended warranty and insurance programs offered by manufacturers of mobile; consumer products in the Czech Republic, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; manufacturers of mobile consumer products in the Czech Republic, 2009; Penetration rates for extended warranty and insurance programs among distributors of mobile consumer products; in the Czech Republic, 2009; Types of cover included under extended warranty and insurance programs offered by distributors of mobile; consumer products in the Czech Republic, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; distributors of mobile consumer products in the Czech Republic, 2009; Percentage of payment cards and bank accounts with packaged extended warranty and / or mobile telephone; insurance cover in the Czech Republic, 2009; Estimated market size in terms of revenues / gross premiums written, for extended warranty and insurance; programs linked to mobile consumer products in the Czech Republic, 2008; Volume of laptop computer and digital camera sales in Denmark, outright and per capita, 2008; Value of laptop computer and digital camera sales in Denmark, outright and per capita, 2008; Mobile telephone subscriptions and mobile telephone subscriptions per capita in Denmark, 2004-8; Penetration rates for extended warranty and insurance programs offered by manufacturers of mobile consumer; products in Denmark, 2009; Types of cover included under extended warranty and insurance programs offered by manufacturers of mobile; consumer products in Denmark, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; manufacturers of mobile consumer products in Denmark, 2009; Penetration rates for extended warranty and insurance programs among distributors of mobile consumer products; in Denmark, 2009; Types of cover included under extended warranty and insurance programs offered by distributors of mobile; consumer products in Denmark, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; distributors of mobile consumer products in Denmark, 2009; Percentage of payment cards and bank accounts with packaged extended warranty and / or mobile telephone; insurance cover in Denmark, 2009; Estimated market size in terms of revenues / gross premiums written, for extended warranty and insurance; programs linked to mobile consumer products in Denmark, 2008; Volume of laptop computer and digital camera sales in Germany, outright and per capita, 2008; Value of laptop computer and digital camera sales in Germany, outright and per capita, 2008; Mobile telephone subscriptions and mobile telephone subscriptions per capita in Germany, 2004-8; Penetration rates for extended warranty and insurance programs offered by manufacturers of mobile consumer; products in Germany, 2009; Types of cover included under extended warranty and insurance programs offered by manufacturers of mobile; consumer products in Germany, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; manufacturers of mobile consumer products in Germany, 2009; Penetration rates for extended warranty and insurance programs among distributors of mobile consumer products; in Germany, 2009; Types of cover included under extended warranty and insurance programs offered by distributors of mobile; consumer products in Germany, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; distributors of mobile consumer products in Germany, 2009; Percentage of payment cards and bank accounts with packaged extended warranty and / or mobile telephone; insurance cover in Germany, 2009; Estimated market size in terms of revenues / gross premiums written, for extended warranty and insurance; programs linked to mobile consumer products in Germany, 2008; Volume of laptop computer and digital camera sales in Hungary, outright and per capita, 2008; Value of laptop computer and digital camera sales in Hungary, outright and per capita, 2008; Mobile telephone subscriptions and mobile telephone subscriptions per capita in Hungary, 2004-8; Penetration rates for extended warranty and insurance programs offered by manufacturers of mobile consumer; products in Hungary, 2009; Types of cover included under extended warranty and insurance programs offered by manufacturers of mobile; consumer products in Hungary, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; manufacturers of mobile consumer products in Hungary, 2009; Penetration rates for extended warranty and insurance programs among distributors of mobile consumer products; in Hungary, 2009; Types of cover included under extended warranty and insurance programs offered by distributors of mobile; consumer products in Hungary, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; distributors of mobile consumer products in Hungary, 2009; Percentage of payment cards and bank accounts with packaged extended warranty and / or mobile telephone; insurance cover in Hungary, 2009; Estimated market size in terms of revenues / gross premiums written, for extended warranty and insurance; programs linked to mobile consumer products in Hungary, 2008; Volume of laptop computer and digital camera sales in Norway, outright and per capita, 2008; Value of laptop computer and digital camera sales in Norway, outright and per capita, 2008; Mobile telephone subscriptions and mobile telephone subscriptions per capita in Norway, 2004-8; Penetration rates for extended warranty and insurance programs offered by manufacturers of mobile consumer; products in Norway, 2009; Types of cover included under extended warranty and insurance programs offered by manufacturers of mobile; consumer products in Norway, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; manufacturers of mobile consumer products in Norway, 2009; Penetration rates for extended warranty and insurance programs among distributors of mobile consumer products; in Norway, 2009; Types of cover included under extended warranty and insurance programs offered by distributors of mobile; consumer products in Norway, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; distributors of mobile consumer products in Norway, 2009; Percentage of payment cards and bank accounts with packaged extended warranty and / or mobile telephone; insurance cover in Norway, 2009; Estimated market size in terms of revenues / gross premiums written, for extended warranty and insurance; programs linked to mobile consumer products in Norway, 2008; Volume of laptop computer and digital camera sales in Poland, outright and per capita, 2008; Value of laptop computer and digital camera sales in Poland, outright and per capita, 2008; Mobile telephone subscriptions and mobile telephone subscriptions per capita in Poland, 2004-8; Penetration rates for extended warranty and insurance programs offered by manufacturers of mobile consumer; products in Poland, 2009; Types of cover included under extended warranty and insurance programs offered by manufacturers of mobile; consumer products in Poland, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; manufacturers of mobile consumer products in Poland, 2009; Penetration rates for extended warranty and insurance programs among distributors of mobile consumer products; in Poland, 2009; Types of cover included under extended warranty and insurance programs offered by distributors of mobile; consumer products in Poland, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; distributors of mobile consumer products in Poland, 2009; Percentage of payment cards and bank accounts with packaged extended warranty and / or mobile telephone; insurance cover in Poland, 2009; Estimated market size in terms of revenues / gross premiums written, for extended warranty and insurance; programs linked to mobile consumer products in Poland, 2008; Volume of laptop computer and digital camera sales in Slovakia, outright and per capita, 2008; Value of laptop computer and digital camera sales in Slovakia, outright and per capita, 2008; Mobile telephone subscriptions and mobile telephone subscriptions per capita in Slovakia, 2004-8; Penetration rates for extended warranty and insurance programs offered by manufacturers of mobile consumer; products in Slovakia, 2009; Types of cover included under extended warranty and insurance programs offered by manufacturers of mobile; consumer products in Slovakia, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; manufacturers of mobile consumer products in Slovakia, 2009; Penetration rates for extended warranty and insurance programs among distributors of mobile consumer products; in Slovakia, 2009; Types of cover included under extended warranty and insurance programs offered by distributors of mobile; consumer products in Slovakia, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; distributors of mobile consumer products in Slovakia, 2009; Percentage of payment cards and bank accounts with packaged extended warranty and / or mobile telephone; insurance cover in Slovakia, 2009; Estimated market size in terms of revenues / gross premiums written, for extended warranty and insurance; programs linked to mobile consumer products in Slovakia, 2008; Volume of laptop computer and digital camera sales in Sweden, outright and per capita, 2008; Value of laptop computer and digital camera sales in Sweden, outright and per capita, 2008; Mobile telephone subscriptions and mobile telephone subscriptions per capita in Sweden, 2004-8; Penetration rates for extended warranty and insurance programs offered by manufacturers of mobile consumer; products in Sweden, 2009; Types of cover included under extended warranty and insurance programs offered by manufacturers of mobile; consumer products in Sweden, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; manufacturers of mobile consumer products in Sweden, 2009; Penetration rates for extended warranty and insurance programs among distributors of mobile consumer products; in Sweden, 2009; Types of cover included under extended warranty and insurance programs offered by distributors of mobile; consumer products in Sweden, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; distributors of mobile consumer products in Sweden, 2009; Percentage of payment cards and bank accounts with packaged extended warranty and / or mobile telephone; insurance cover in Sweden, 2009; Estimated market size in terms of revenues / gross premiums written, for extended warranty and insurance; programs linked to mobile consumer products in Sweden, 2008; Volume of laptop computer and digital camera sales in Switzerland, outright and per capita, 2008; Value of laptop computer and digital camera sales in Switzerland, outright and per capita, 2008; Mobile telephone subscriptions and mobile telephone subscriptions per capita in Switzerland, 2004-8; Penetration rates for extended warranty and insurance programs offered by manufacturers of mobile consumer; products in Switzerland, 2009; Types of cover included under extended warranty and insurance programs offered by manufacturers of mobile; consumer products in Switzerland, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; manufacturers of mobile consumer prodcuts in Switzerland, 2009; Penetration rates for extended warranty and insurance programs among distributors of mobile consumer products; in Switzerland, 2009; Types of cover included under extended warranty and insurance programs offered by distributors of mobile; consumer products in Switzerland, 2009; Operating models and partner market shares for extended warranty and insurance programs offered by; distributors of mobile consumer products in Switzerland, 2009; Percentage of payment cards and bank accounts with packaged extended warranty and / or mobile telephone; insurance cover in Switzerland, 2009; Estimated market size in terms of revenues / gross premiums written, for extended warranty and insurance; programs linked to mobile consumer products in Switzerland, 2008

Abstract

Finaccord’s report titled Extended Warranties and Insurance for Mobile Consumer Products in Northern and Central Europe, is a report about the market for extended warranties and related insurance sold in conjunction with mobile consumer products in ten countries: Austria, the Czech Republic, Denmark, Germany, Hungary, Norway, Poland, Slovakia, Sweden and Switzerland. Mobile consumer products analysed are portable electronic devices, most notably laptop computers, digital cameras, mobile telephones and other small mobile products, such as portable audio equipment and satellite navigation systems. The report draws on extensive primary and secondary research covering 587 organisations involved in the production and distribution of mobile consumer products including 300 manufacturers, 127 ‘bricks and mortar’ retailers, 114 retailers specialising in online and / or home shopping and 46 mobile telephone network operators. A number of factors combine to form a firm rationale for a pair of published reports and databases about extended warranties and insurance for mobile consumer products in Europe among which is the fact that these are only the second ever published works on the subject on a pan-European basis. This is curious given that the market for extended warranties and insurance linked to mobile devices is estimated by Finaccord to have been worth as much as €3.42 billion across 18 European countries in 2008 (of which around €605.8 million is due to Northern and Central Europe). You may be able to use this report and the PartnerBASE that accompanies it in one or more of the following ways: appreciate the size of the opportunity in the market for extended warranties and insurance linked to mobile consumer products in Northern and Central Europe: in aggregate, this is a substantial market; understand how dynamic competitors are helping the sector to grow at a rate well in excess of the underlying markets for laptop computers, digital cameras, mobile telephones and other small mobile devices in a number of countries; assess the position of competitors such as ACE European Group, AmTrust International Underwriters, itonia it-insurance & service, KarstadtQuelle Versicherung, Moderna Försäkringar, New Technology Insurance, SOLID Forsäkring and Wertgarantie; consider how extended warranty and related insurance programs are being rendered more valuable and user-friendly from the point of view of customers.

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2/15/2012 - 31

Extended Warranties and Insurance for Mobile Consumer Products in Northern and Central Europe

Table of Contents

Abstract