欧州消費者の旅行保険に対する意識

Abstract

Finaccord' s Travel Metrics series of reports offers detailed and unique insights into the behaviour of consumers in the context of travel insurance. Based on a primary survey of consumers in France, Germany, Italy, Spain and the UK carried out between June and August 2006, the research provides valuable data describing the extent to which those undertaking significant journeys take out travel insurance and clarifying the proportion of uninsured travellers who recognise the benefits of the insurance but simply do not get round to acquiring cover.

In addition to calculating the percentage of consumers that buys travel insurance in each country, the investigation also analyses the types of policy that they buy (ie. annual policies, single trip policies or policies packaged automatically with holidays / travel tickets or credit cards), whether they hold comprehensive or partial cover for travel-related risks, which distribution channel and interface they use to take out travel insurance and whether they buy a policy at the same time as arranging a holiday or travel ticket or either in advance or retrospectively.

Finally, the reports measure the degree to which consumers are satisfied with their insurance, whether they find it expensive and if they are unlikely to purchase it the next time that they undertake a significant trip, and rank major underwriters of travel insurance according to the frequency with which they are identified by consumers as the provider of their policy.

Table of Contents

0.0 EXECUTIVE SUMMARY

• Between 60% and 75% of consumers have undertaken significant travel during the last two years
• Travellers from Germany and the UK are most likely to acquire travel cover on an unbundled basis
• Only a small proportion of consumers in France, Italy and Spain possess annual travel policies
• Penetration of comprehensive cover is vastly higher in the UK than the four continental nations
• Travellers frequently lack awareness of the identify of their travel insurance underwriter
• Direct sales have usurped the travel trade as the main distribution channel in Germany and the UK
• Airline distribution has developed strongly in Spain while other affinity channels prosper in the UK
• Face-to-face sales continue to account for the majority of sales in all territories other than the UK...
• ... although the UK is probably the strongest market for ' last minute' sales of travel insurance
• German travellers are most likely to be satisfied with their policy and least likely to question its cost

1.0 INTRODUCTION

• Finaccord
• European consumer research
• Travel insurance
• Creditor insurance
• Mobile telephone insurance
• European market, partnership and bancassurance research
• Research rationale
• Consumer research illustrates the differences between Europe' s five most populous markets...
• ... thereby helping underwriters and distributors to develop robust strategies for future development
• Research methodology
• The research embraces a total of over 6,250 respondents across the five countries
• Research strengths and weaknesses
• A mixed Internet and telephone research methodology produces balanced results...
• ... assisting insurance companies and other interested parties to benchmark their performance

2.0 EUROPEAN OVERVIEW

• Introduction
• % of respondents undertaking significant travel
• Consumers undertaking significant travel fall in the 60%-75% band across all countries
• % of respondents covered by insurance the last time that they travelled
• Likelihood of being covered by insurance is far higher among travellers from the UK
• Attitudes towards travel insurance of respondents without cover
• Many consumers simply fail to get round to ensuring that they hold adequate cover for travel risks
• Types of travel insurance protecting respondents
• Consumers in Germany and the UK are most likely to purchase unbundled travel insurance
• Approximately one third of Italian and Spanish travellers with insurance obtain automatic cover
• Awareness and use of travel insurance packaged with credit cards is highest by far in France
• Risks covered by travel insurance
• Outside of the UK, less than a third of travellers with cover hold comprehensive policies...
• All insured French travellers believe that they can access assistance in the event of emergencies
• Cover for delays to flights or trips is rarely provided in countries other than the UK
• Over two thirds of UK consumers engaging in significant travel hold comprehensive policies
• Identities of underwriters offering travel insurance
• Travellers are often unaware of the identity of the insurance entity providing their policy...
• ... although nearly a quarter of Italian consumers identify Europ Assistance as their provider
• Travel insurance - policies paid for separately and automatic packaging
• Over 75% of Spanish consumers consider a packaged policy to be their most important cover
• Over five times as many potential customers in the UK buy unbundled cover as occurs in France
• Distribution channels used for travel insurance
• Distribution choices can be analysed separately for consumers buying stand-alone policies
• Direct purchase accounts for the highest share of sales in Germany and the UK...
• ... while airlines appear to be performing particularly well as distributors in the Spanish market
• Distribution interfaces used for travel insurance
• Face-to-face sales constitute the dominant interface in all markets other than the UK
• Point in time chosen by respondents to obtain travel insurance
• The market for ' last minute' sales of travel insurance is apparently greatest in the UK
• Irrespective of the moment in time, UK travellers are most likely to buy stand-alone insurance
• Attitudes towards travel insurance of respondents with cover
• German travellers are most likely to regard travel cover as being both important and valuable...
• ... and their counterparts in France are most likely to regret having bought stand-alone policies

3.0 FRANCE

• Introduction
• Research sample
• The research embraces a total of 1,232 respondents in France
• % of respondents undertaking significant travel
• % of respondents covered by insurance the last time that they travelled
• Attitudes towards travel insurance of respondents without cover
• Types of travel insurance protecting respondents
• Risks covered by travel insurance protecting respondents
• Identities of underwriters offering travel insurance
• Policies paid for separately and automatic packaging
• Distribution channels used for travel insurance
• Distribution interfaces used for travel insurance
• Point in time chosen by respondents to obtain travel insurance
• Attitudes towards travel insurance of respondents with cover

4.0 GERMANY

• Introduction
• Research sample
• The research embraces a total of 1,210 respondents in Germany
• % of respondents undertaking significant travel
• % of respondents covered by insurance the last time that they travelled
• Attitudes towards travel insurance of respondents without cover
• Types of travel insurance protecting respondents
• Risks covered by travel insurance protecting respondents
• Identities of underwriters offering travel insurance
• Policies paid for separately and automatic packaging
• Distribution channels used for travel insurance
• Distribution interfaces used for travel insurance
• Point in time chosen by respondents to obtain travel insurance
• Attitudes towards travel insurance of respondents with cover

5.0 ITALY

• Introduction
• Research sample
• The research embraces a total of 1,222 respondents in Italy
• % of respondents undertaking significant travel
• % of respondents covered by insurance the last time that they travelled
• Attitudes towards travel insurance of respondents without cover
• Types of travel insurance protecting respondents
• Risks covered by travel insurance protecting respondents
• Identities of underwriters offering travel insurance
• Policies paid for separately and automatic packaging
• Distribution channels used for travel insurance
• Distribution interfaces used for travel insurance
• Point in time chosen by respondents to obtain travel insurance
• Attitudes towards travel insurance of respondents with cover

6.0 SPAIN

• Introduction
• Research sample
• The research embraces a total of 1,250 respondents in Spain
• % of respondents undertaking significant travel
• % of respondents covered by insurance the last time that they travelled
• Attitudes towards travel insurance of respondents without cover
• Types of travel insurance protecting respondents
• Risks covered by travel insurance protecting respondents
• Identities of underwriters offering travel insurance
• Policies paid for separately and automatic packaging
• Distribution channels used for travel insurance
• Distribution interfaces used for travel insurance
• Point in time chosen by respondents to obtain travel insurance
• Attitudes towards travel insurance of respondents with cover

7.0 UNITED KINGDOM

• Introduction
• Research sample
• The research embraces a total of 1,340 respondents in the UK
• % of respondents undertaking significant travel
• % of respondents covered by insurance the last time that they travelled
• Attitudes towards travel insurance of respondents without cover
• Types of travel insurance protecting respondents
• Risks covered by travel insurance protecting respondents
• Identities of underwriters offering travel insurance
• Policies paid for separately and automatic packaging
• Distribution channels used for travel insurance
• Distribution interfaces used for travel insurance
• Point in time chosen by respondents to obtain travel insurance
• Attitudes towards travel insurance of respondents with cover

GRAPHICS / TABLES

• Sample breakdown across five European countries by age group
• Sample breakdown across five European countries by annual household income
• % of respondents in five European countries undertaking significant travel, 2004-6
• % of resps. in five Euro.countries covered by insurance the last time that they undertook significant travel, 2004-6
• % split of atts. towards travel ins. of resps. undertaking significant travel in five Euro. countries without cover, 2006
• Types of travel insurance protecting respondents in five European countries, 2004-6
• Risks covered by travel insurance in five Euro. countries, 2004-6 (penetration among those with travel insurance)
• Risks covered by travel ins. protecting resps. in five Euro. countries, 2004-6 (pen. among all undertaking sig. travel)
• Identities of underwriters offering travel insurance in five European countries, 2004-6
• Segment. of travel ins. in five Euro. countries between pols. paid for sep. and pols. pack' d automatically, 2004-6 (1)
• Segment. of travel ins. in five Euro. countries between pols. paid for sep. and pols. pack' d automatically, 2004-6 (2)
• Distribution channels used for stand-alone travel insurance in five European countries, 2004-6
• Distribution interfaces used for stand-alone travel insurance in five European countries, 2004-6
• Point in time chosen by respondents in five European countries to obtain stand-alone travel insurance, 2004-6 (1)
• Point in time chosen by respondents in five European countries to obtain stand-alone travel insurance, 2004-6 (2)
• % split of attitudes towards stand-alone travel insurance of respondents in five Euro. countries with cover, 2004-6
• Sample breakdown in France by age group, household income band and geographical location
• % of respondents in France undertaking significant travel, 2004-6
• % of respondents in France covered by insurance the last time that they undertook significant travel, 2004-6
• % split of attitudes towards travel insurance of resps. in France undertaking significant travel without cover, 2004-6
• Types of travel insurance protecting respondents in France, 2004-6
• Risks covered by travel insurance in France, 2004-6 (penetration among those with travel insurance)
• Risks covered by travel insurance in France, 2004-6 (penetration among all undertaking significant travel)
• Identities of underwriters offering travel insurance in France, 2004-6
• Segment. of travel insurance in France between pols. paid for separately and pols. packaged automatically, 2004-6
• Distribution channels used for stand-alone travel insurance protecting respondents in France, 2004-6
• Distribution interfaces used for stand-alone travel insurance protecting respondents in France, 2004-6
• Point in time chosen by respondents in France to obtain stand-alone travel insurance, 2004-6
• % split of attitudes towards travel insurance of respondents in France with cover, 2004-6
• Sample breakdown in Germany by age group, household income band and geographical location
• % of respondents in Germany undertaking significant travel, 2004-6
• % of respondents in Germany covered by insurance the last time that they undertook significant travel, 2004-6
• % split of attitudes towards travel ins. of resps. in Germany undertaking significant travel without cover, 2004-6
• Types of travel insurance protecting respondents in Germany, 2004-6
• Risks covered by travel insurance in Germany, 2004-6 (penetration among those with travel insurance)
• Risks covered by travel insurance in Germany, 2004-6 (penetration among all undertaking significant travel)
• Identities of underwriters offering travel insurance in Germany, 2004-6
• Segment. of travel ins. in Germany between pols. paid for separately and pols. packaged automatically, 2004-6
• Distribution channels used for stand-alone travel insurance protecting respondents in Germany, 2004-6
• Distribution interfaces used for stand-alone travel insurance protecting respondents in Germany, 2004-6
• Point in time chosen by respondents in Germany to obtain stand-alone travel insurance, 2004-6
• % split of attitudes towards travel insurance of respondents in Germany with cover, 2004-6
• Sample breakdown in Italy by age group, household income band and geographical location
• % of respondents in Italy undertaking significant travel, 2004-6
• % of respondents in Italy covered by insurance the last time that they undertook significant travel, 2004-6
• % split of attitudes towards travel insurance of resps. in Italy undertaking significant travel without cover, 2004-6
• Types of travel insurance protecting respondents in Italy, 2004-6
• Risks covered by travel insurance in Italy, 2004-6 (penetration among those with travel insurance)
• Risks covered by travel insurance in Italy, 2004-6 (penetration among all undertaking significant travel)
• Identities of underwriters offering travel insurance in Italy, 2004-6
• Segment. of travel insurance in Italy between pols. paid for separately and pols. packaged automatically, 2004-6
• Distribution channels used for stand-alone travel insurance protecting respondents in Italy, 2004-6
• Distribution interfaces used for stand-alone travel insurance protecting respondents in Italy, 2004-6
• Point in time chosen by respondents in Italy to obtain stand-alone travel insurance, 2004-6
• % split of attitudes towards travel insurance of respondents in Italy with cover, 2004-6
• Sample breakdown in Spain by age group, household income band and geographical location
• % of respondents in Spain undertaking significant travel, 2004-6
• % of respondents in Spain covered by insurance the last time that they undertook significant travel, 2004-6
• % split of attitudes towards travel insurance of resps. in Spain undertaking significant travel without cover, 2004-6
• Types of travel insurance protecting respondents in Spain, 2004-6
• Risks covered by travel insurance in Spain, 2004-6 (penetration among those with travel insurance)
• Risks covered by travel insurance in Spain, 2004-6 (penetration among all undertaking significant travel)
• Identities of underwriters offering travel insurance in Spain, 2004-6
• Segment. of travel insurance in Spain between pols. paid for separately and pols. packaged automatically, 2004-6
• Distribution channels used for stand-alone travel insurance protecting respondents in Spain, 2004-6
• Distribution interfaces used for stand-alone travel insurance protecting respondents in Spain, 2004-6
• Point in time chosen by respondents in Spain to obtain stand-alone travel insurance, 2004-6
• % split of attitudes towards travel insurance of respondents in Spain with cover, 2004-6
• Sample breakdown in the UK by age group, household income band and geographical location
• % of respondents in the UK undertaking significant travel, 2004-6
• % of respondents in the UK covered by insurance the last time that they undertook significant travel, 2004-6
• % split of attitudes towards travel insurance of resps. in the UK undertaking significant travel without cover, 2004-6
• Types of travel insurance protecting respondents in the UK, 2004-6
• Risks covered by travel insurance in the UK, 2004-6 (penetration among those with travel insurance)
• Risks covered by travel insurance in the UK, 2004-6 (penetration among all undertaking significant travel)
• Identities of underwriters offering travel insurance in the UK, 2004-6
• Segment. of travel ins. in the UK between pols. paid for separately and pols. packaged automatically, 2004-6
• Distribution channels used for stand-alone travel insurance protecting respondents in the UK, 2004-6
• Distribution interfaces used for stand-alone travel insurance protecting respondents in the UK, 2004-6
• Point in time chosen by respondents in the UK to obtain stand-alone travel insurance, 2004-6
• % split of attitudes towards travel insurance of respondents in the UK with cover, 2004-6