Commercial Non-Life Insurance Brokers in Europe

Size: px
Start display at page:

Download "Commercial Non-Life Insurance Brokers in Europe"

Transcription

1 Commercial Non-Life Insurance Brokers in Europe Report Prospectus August 2014 Web: 1

2 Prospectus contents Page What is the research? What methodology has been used? What is the report structure? What does the BrokerBASE deliver? What does the market data annexe deliver? What are the key features of the research? How can the research be used? Who can use the research? What are some of the key findings? What is the cost and format? How can the research be purchased? Web: info@finaccord.com 2

3 What is the research? Finaccord s report titled Commercial Non-Life Insurance Brokers in Europe, plus the BrokerBASE and market data annexe that accompany it, investigate the importance of brokers in the distribution of non-life insurance for business and public sector clients in 20 countries in Europe. Brokers are the most important single distribution channel in this sector, and Finaccord s research indicates that fees and commissions earned by brokers from commercial non-life insurance in Europe were worth almost EUR 10.5 billion in Moreover, brokers are increasing their share of this market in many countries, often at the expense of tied agents, and are often expected to continue growing their overall share in future. This report first provides unique data for the size, segmentation and growth of the commercial nonlife insurance market itself in each of the 20 countries in scope, namely Austria, Belgium, the Czech Republic, Denmark, Finland, France, Germany, Ireland, Italy, the Netherlands, Norway, Poland, Portugal, Romania, Russia, Spain, Sweden, Switzerland, Turkey and the UK. It then quantifies the share of this market that is intermediated by brokers and ranks the leading brokers in each country according to their revenues from commercial non-life insurance in 2013, excluding income from other activities. This analysis is based on an investigation covering over 500 brokers in Europe, making it by far the most detailed and comprehensive study of this market ever published. Web: info@finaccord.com 3

4 What methodology has been used? Finaccord s investigation into commercial non-life insurance brokers in Europe was carried out between March and July The core of this research was an analysis of leading brokers in each country that combined phone interviews with senior executives with published information and company accounts. Reliable statistics concerning the market share of brokers do not exist in most countries, and in no cases whatsoever are revenues from commercial non-life insurance shown separately from personal lines, life insurance / employee benefits and wholesale insurance / reinsurance. Therefore, this study provides genuinely unique data to answer the following questions: What proportion of business was handled by brokers in 2013 and how has this changed since 2009? Who are the leading brokers in each market, by revenues and employee numbers? The BrokerBASE ranks the top ten to 60 commercial non-life brokers per country, depending on the size of the broker industry in each case. How concentrated or fragmented are commercial non-life insurance broking markets? How significant is commercial non-life insurance to each of these brokers as opposed to other activities? What distinct areas of specialisation do these leading brokers have, if any? How can commercial non-life insurance broking markets be expected to develop up to 2017? Web: info@finaccord.com 4

5 What is the report structure? 0. Executive Summary: providing a concise evaluation of the principal findings of the report. 1. Introduction: offering rationale, description of methodology and some definitions. 2. European Overview: an overview of the market for commercial non-life insurance broking in Europe including estimates for the size, segmentation and growth rate of the commercial non-life insurance market itself, the share of this market that is distributed by brokers and how this has changed since 2009, market concentration both in overall terms and specifically for Aon, Marsh, Will and other leading groups, and the outlook to Austria: an in-depth analysis of the market for commercial non-life insurance broking in Austria including: key regulatory developments; quantification and segmentation of commercial non-life insurance from 2009 to 2013; brokers share of this market and quantification of broker fees and commissions from commercial lines; analysis of broker market concentration; ranking of the leading commercial non-life insurance brokers in Austria by revenues; additional comments concerning broker distribution strategies and specialisation; and forecasts for commercial non-life insurance premiums, brokers market share and brokers revenues up to : the other 19 countries (structure as for Austria). Web: info@finaccord.com 5

6 What does the BrokerBASE deliver? Select broker See change in broker ranking, 2011 to 2013 Country Broker Broker network affiliation / strategic partnership Total number of employees, 2013 Commercial non-life broking revenues, 2013 (EUR million) In-country ranking 2013 In-country ranking 2011 France Siaci Saint-Honoré JLT 1, France Suisscourtage Assurances France Théorème WING France Verlingue WBN France Verspieren 2, Select country Source: Finaccord BrokerBASE View broker network affiliations / strategic partnerships Appreciate size of broking revenues from commercial non-life insurance Note - The BrokerBASE also includes each broker's website and UHC (ultimate holding company) if relevant plus entries for whether they have a specialist focus by product, client sector, client size and / or region and whether their transaction capability is purely offline, purely online or mixed. Web: info@finaccord.com 6

7 What does the market data annexe deliver? EUR million Nominal CAGR Real CAGR Motor % 0.2% Property 1, % -3.9% Liability % 0.6% Legal expenses % 9.0% MAT % -5.5% Other % 1.7% Total 1,908 1,839 1,834 1,859 1, % -2.0% 2) Size of the commercial non-life market, brokers' share of this market and revenues earned from it, 2009, 2013 and 2017 EUR million / % Nominal CAGR Nominal CAGR Commercial non-life premiums 1,908 1,897 1, % 0.7% Brokers' share of commercial non-life premiums Brokers' revenue from commercial non-life insurance 48.3% 49.4% 50.3% % 1.1% For each country, the market data annexe provides the sample data shown to the left plus a list of the top ten brokers ranked by commercial non-life insurance broking revenues. In conjunction with the full overview report, the market data annexe also includes a series of tables that make comparisons across all 20 countries of various key data points contained in the report. This annexe can be used as a convenient source of data already in Excel format which means that there is no need for users to reenter data from the PDF report into their own Excel worksheets. 3) Market concentration measured as % of revenues earned from commercial non-life insurance broking, 2011 and 2013 Share of broking market Top three brokers 50.0% 52.7% Top ten brokers 70.0% 71.0% Web: info@finaccord.com 7

8 What are the key features of the research? Key features of this research include: analysis of market size, growth, segmentation and trends for commercial non-life insurance premiums: how much is the underlying insurance market worth in Europe? quantification and forecast of the share of commercial non-life insurance premiums distributed by brokers, the revenues they earn from commercial lines, and the importance of this sector to brokers; identification of the top ten to 60 brokers in each country specifically for commercial non-life insurance business, with estimates for the revenue they generate from this sector alone and their total employee numbers; detailed information concerning the structure of the broker market, including market concentration for the top three and top ten brokers, the position of Aon, Marsh, Willis plus other leading broking groups, and the role of networks or alliances; availability of an accompanying BrokerBASE which provides key financial and other metrics for the brokers included in each country, plus a convenient, supporting market data annexe, both in Excel format. Web: info@finaccord.com 8

9 How can the research be used? You may be able to use this report in one or more of the following ways: quantify the size and dynamism of the broker market for commercial non-life insurance in Europe; compare 20 countries in a single comprehensive source of information that uses a uniform methodology to size the underlying commercial non-life insurance market and to quantify brokers share of distribution; assess a range of potential business opportunities: from selecting the territory that offers the best prospect for expansion, to targets for acquisition, to niche product development and ideas for distribution partnerships; understand the competitive landscape in each country through its market concentration, the importance of international brokers, and brokers' distribution strategies; identify the leading brokers in each country or across this European region as a whole, with coverage of competitors such as Arthur J. Gallagher, Ecclesia Gruppe, Funk Gruppe, GrECo International, Howden Broking Group, JLT, Lockton, Towergate Partnership and Verspieren, as well as Aon, Marsh and Willis. Web: info@finaccord.com 9

10 Who can use the research? 1. Insurers: this report provides a unique analysis of the importance of brokers specifically for commercial non-life insurance, country by country. It will help you to judge if you have the right distribution strategy for your business in each geography, and to identify if you are acquiring an appropriate volume of business with each of the leading brokers. 2. Brokers: this report enables you to quantify your market share specifically for commercial nonlife insurance, which cannot be done using any other published sources. Moreover, its coverage of 20 countries in the region helps you to plan international expansion or potential acquisitions, and to identify your main competitors. 3. Technology companies: the growing importance of online trading of commercial non-life insurance in certain European countries means that there are opportunities for specialised IT service providers to develop and promote systems that improve broker efficiency, service and broker-insurer interaction. 4. Management consultancies: are you helping an insurance broker or underwriter with its future strategy in commercial non-life insurance? Understand the current status of commercial nonlife insurance broking in Europe, saving time and effort on researching the subject yourself. Web: info@finaccord.com 10

11 What are some of the key findings? 1. GrECo International is the largest commercial insurance broker in Austria, with an estimated 17.0% of the market, and the next nine brokers control over a third of the market between them GrECo International, 17.0% other, 45.5% Broker A, 14.7% Source: Finaccord Commercial Non-Life Insurance Broking Survey Broker B, 4.9% Broker C, 4.3% Broker D, 3.1% Broker I, 1.6% Broker E, 3.1% Broker H, 1.7% Broker F, 2.5% Broker G, 1.8% Web: info@finaccord.com 11

12 What are some of the key findings? (cont.) 2. In real terms (discounting inflation), total revenues from commercial non-life insurance broking grew in 13 of the 20 countries surveyed between 2009 and 2013 Austria Belgium Czech Republic Denmark Finland France Germany Ireland Italy Netherlands Norway Poland Portugal Romania Russia Spain Sweden Switzerland Turkey UK - 4.8% - 4.0% - 3.7% - 2.9% - 1.5% - 2.4% - 2.4% 1.8% 0.4% 3.6% 0.9% 2.2% 2.6% 3.0% 3.2% 4.8% 7.9% 7.3% 9.9% 18.9% Source: Finaccord analysis - 10% - 5% 0% 5% 10% 15% 20% Real CAGR of commercial non-life insurance broking revenues, 2009 to 2013 Web: info@finaccord.com 12

13 What are some of the key findings? (cont.) 3. The competitive structure of Sweden's market for commercial non-life insurance broking became slightly more concentrated between 2011 and 2013 Top three brokers Top ten brokers % share of commercial non-life insurance broking revenues 100% 80% 69.8% 73.2% 60% 40% 45.9% 54.3% 20% 0% Source: Finaccord Commercial Non-Life Insurance Broking Survey Web: info@finaccord.com 13

14 What are some of the key findings? (cont.) 4. Key findings from the executive summary include: Finaccord estimates that the total revenues earned by commercial non-life broking in 2013 across the 20 countries in scope were EUR billion, of which EUR 2.88 billion came from the UK alone, or 27.4% of the total; brokers distributed 55.8% of commercial non-life insurance premiums across Europe in 2013, taken as a weighted average across the 20 countries, with a low point of just 10.5% in Russia and a high point of 95.2% in Ireland; as measured by the combined share of commercial non-life insurance broking revenues earned by the top ten competitors in each country, Finland and Ireland are Europe's most concentrated markets, and Germany and Poland the most fragmented; Finaccord forecasts that the commercial non-life insurance broking market in Europe will be worth around EUR billion by 2017 with the greatest growth in real terms (one inflation has been discounted) occurring in Poland, Russia and Turkey. Web: info@finaccord.com 14

15 What is the cost and format? Commercial Non-Life Insurance Brokers in Europe is available as a standard PDF document. The BrokerBASE and market data annexe that accompanies it at no further charge is in Excel format. Costs for this research, for a related title looking at commercial non-life insurance broking from a worldwide perspective, and for other titles about different topics in commercial non-life insurance in Europe are as follows: REPORT PRICE * Commercial Non-Life Insurance Brokers in Europe Global Insurance Broking: A Strategic Review of the World's Top 150 Commercial Non-Life Insurance Brokers D&O and Management Liability Insurance in Europe Fleet Insurance and Assistance in Europe Professional Indemnity Insurance in Europe Trade Credit Insurance in Europe GBP 4,995 GBP 1,995 GBP 2,995 GBP 2,995 GBP 2,995 GBP 2,995 For UK-based clients, VAT at the prevailing rate will be added to the basic price. Costs quoted are for a single site user licence only. For a corporate user licence, please see the next slide for further details. Invoices can be paid in EUR, at the prevailing exchange rate, if preferred. Web: info@finaccord.com 15

16 How can the research be purchased? Simple. Just go to the relevant area of the Finaccord web site available at and fill in the online order form, clearly indicating: report required type of corporate user licence, if required * billing name address and address purchase order number, if applicable Please allow up to one working day for the delivery of electronic copy by . * For the corporate user licence please choose one of the following options: 1. One office, one country: no supplement over and above basic cost of reports ordered 2. Multiple offices, one country: additional 20% over and above basic cost of reports ordered 3. Multiple offices, two to ten countries: additional 50% over and above basic cost of reports ordered 4. Global (unlimited offices in unlimited countries): additional 100% over and above basic cost of reports ordered VAT at the prevailing rate will be added to the price of any corporate user licence acquired by UK-based buyers. Web: info@finaccord.com 16

Commercial Non-Life Insurance Brokers in South-East Asia

Commercial Non-Life Insurance Brokers in South-East Asia Commercial Non-Life Insurance Brokers in South-East Asia Report Prospectus July 2015 Finaccord Ltd., 2015 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the research?

More information

Personal Non-Life Insurance Brokers in the UK

Personal Non-Life Insurance Brokers in the UK Personal Non-Life Insurance Brokers in the UK Report Prospectus July 2015 Finaccord Ltd., 2015 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the research? What is

More information

Life Bancassurance in the Asia-Pacific Region: Investment-Related Life Insurance and Retirement Savings

Life Bancassurance in the Asia-Pacific Region: Investment-Related Life Insurance and Retirement Savings Life Bancassurance in the Asia-Pacific Region: Investment-Related Life Insurance and Retirement Savings Report Prospectus March 2013 Finaccord, 2013 Web: www.finaccord.com. E-mail: info@finaccord.com 1

More information

Life Bancassurance in Europe: Protection-Related Life Insurance

Life Bancassurance in Europe: Protection-Related Life Insurance Life Bancassurance in Europe: Protection-Related Life Insurance Report Prospectus November 2011 Finaccord, 2011 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the

More information

Life Bancassurance in Latin America: Protection-Related Life Insurance

Life Bancassurance in Latin America: Protection-Related Life Insurance Life Bancassurance in Latin America: Protection-Related Life Insurance Report Prospectus April 2013 Finaccord, 2013 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is

More information

Professional Indemnity Insurance

Professional Indemnity Insurance Professional Indemnity Insurance Global series prospectus October 2013 Finaccord Ltd., 2013 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the research? Which countries

More information

Life Bancassurance in the Asia-Pacific Region: Protection-Related Life Insurance

Life Bancassurance in the Asia-Pacific Region: Protection-Related Life Insurance Life Bancassurance in the Asia-Pacific Region: Protection-Related Life Insurance Report Prospectus March 2013 Finaccord, 2013 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page

More information

Fleet Insurance and Assistance in Europe

Fleet Insurance and Assistance in Europe Fleet Insurance and Assistance in Europe Report prospectus September 2011 Finaccord Ltd., 2011 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the research? What is

More information

Road Assistance in Europe

Road Assistance in Europe Road Assistance in Europe Series prospectus for an overview plus ten country-specific reports AUSTRIA, BELGIUM, FRANCE, GERMANY, ITALY, NETHERLANDS, POLAND, SPAIN, SWITZERLAND, UK July 2013 Finaccord Ltd.,

More information

International Health Insurance for Expatriates and Students: a Worldwide Review

International Health Insurance for Expatriates and Students: a Worldwide Review International Health Insurance for Expatriates and Students: a Worldwide Review Report Prospectus November 2015 Finaccord Ltd., 2015 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents

More information

Professional Indemnity Insurance in Europe

Professional Indemnity Insurance in Europe Professional Indemnity Insurance in Europe Report prospectus November 2013 Finaccord Ltd., 2013 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the research? What

More information

Commercial Non-Life Insurance Brokers in Northern and Central Europe

Commercial Non-Life Insurance Brokers in Northern and Central Europe Brochure More information from http://www.researchandmarkets.com/reports/1194948/ Commercial Non-Life Insurance Brokers in Northern and Central Europe Description: Finaccord s report titled Commercial

More information

Global Medical Malpractice Insurance: A Worldwide Review

Global Medical Malpractice Insurance: A Worldwide Review Global Medical Malpractice Insurance: A Worldwide Review Report prospectus June 2016 Finaccord Ltd., 2016 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the research?

More information

Non-Life Bancassurance in Europe: Motor and Household Insurance

Non-Life Bancassurance in Europe: Motor and Household Insurance Non-Life Bancassurance in Europe: Motor and Household Insurance Report Prospectus November 2011 Finaccord, 2011 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the

More information

Mobile Gadget Insurance in Europe

Mobile Gadget Insurance in Europe Mobile Gadget Insurance in Europe Report Prospectus July 2011 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the research? How does it fit into the wider series?

More information

Global Insurance and Lending Market Data: Size, Segmentation and Forecast for Worldwide Markets

Global Insurance and Lending Market Data: Size, Segmentation and Forecast for Worldwide Markets Global Insurance and Lending Market Data: Size, Segmentation and Forecast for Worldwide Markets Accident and health insurance commercial non-life insurance consumer lending life insurance and retirement

More information

Life Protection Metrics: Consumer Approaches to Protection-Related Life Insurance in Europe

Life Protection Metrics: Consumer Approaches to Protection-Related Life Insurance in Europe Life Protection Metrics: Consumer Approaches to Protection-Related Life Insurance in Europe Series Prospectus November 2012 1 Prospectus contents Page What is the research? Which titles are available?

More information

Trade Credit Insurance in Major Global Markets

Trade Credit Insurance in Major Global Markets Trade Credit Insurance in Major Global Markets Series prospectus for an overview plus ten country-specific reports AUSTRALIA, BRAZIL, CANADA, CHINA, INDIA, JAPAN, MIDDLE EAST, RUSSIA, SOUTH AFRICA, USA

More information

Affinity and Partnership Marketing in UK Commercial Non-Life Insurance

Affinity and Partnership Marketing in UK Commercial Non-Life Insurance Affinity and Partnership Marketing in UK Commercial Non-Life Insurance Report prospectus July 2015 1 Prospectus contents Page What is the research? What is the rationale? What methodology has been used?

More information

Home Emergency Insurance and Assistance in Europe

Home Emergency Insurance and Assistance in Europe Home Emergency Insurance and Assistance in Europe Series Prospectus May 2014 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the research? What is the rationale? What

More information

UK Niche Insurance: Market Dynamics, Affinities and Partnerships

UK Niche Insurance: Market Dynamics, Affinities and Partnerships UK Niche Insurance: Market Dynamics, Affinities and Partnerships Series Prospectus November 2015 Finaccord Ltd., 2015 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page Which

More information

Commercial Non-Life Insurance Brokers in India

Commercial Non-Life Insurance Brokers in India Brochure More information from http://www.researchandmarkets.com/reports/2651992/ Commercial Non-Life Insurance Brokers in India Description: Commercial Non-Life Insurance Brokers in India and the BrokerBASE

More information

Global Expatriates: Size, Segmentation and Forecast for the Worldwide Market

Global Expatriates: Size, Segmentation and Forecast for the Worldwide Market Global Expatriates: Size, Segmentation and Forecast for the Worldwide Market Report Prospectus January 2014 Finaccord Ltd., 2014 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents

More information

Extended Warranties for New and Used Cars in Europe

Extended Warranties for New and Used Cars in Europe Extended Warranties for New and Used Cars in Europe Report Prospectus October 2013 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the research? What is the rationale?

More information

Commercial Non-Life Insurance Brokers in Canada

Commercial Non-Life Insurance Brokers in Canada Brochure More information from http://www.researchandmarkets.com/reports/2395210/ Commercial Non-Life Insurance Brokers in Canada Description: Commercial Non-Life Insurance Brokers in Canada, plus the

More information

Pet Metrics: Consumer Approaches to Pet Insurance in Selected Global Markets

Pet Metrics: Consumer Approaches to Pet Insurance in Selected Global Markets Pet Metrics: Consumer Approaches to Pet Insurance in Selected Global Markets Series Prospectus August 2014 1 Prospectus contents Page What is the research? Which titles are available? What is the rationale?

More information

Affinity and Partnership Marketing in UK Financial Services

Affinity and Partnership Marketing in UK Financial Services Affinity and Partnership Marketing in UK Financial Services Series Prospectus June 2015 Finaccord Ltd., 2015 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page Which titles have

More information

Manufacturer-Branded and Dealer-Intermediated Motor Insurance and Road Assistance in Latin America

Manufacturer-Branded and Dealer-Intermediated Motor Insurance and Road Assistance in Latin America Manufacturer-Branded and Dealer- Intermediated Motor Insurance and Road Assistance in Latin America Report Prospectus May 2015 Finaccord Ltd., 2015 Web: www.finaccord.com. E-mail: info@finaccord.com 1

More information

Global Insurance Broking: A Strategic Review of the World's Top 150 Commercial Non-Life Insurance Brokers

Global Insurance Broking: A Strategic Review of the World's Top 150 Commercial Non-Life Insurance Brokers Global Insurance Broking: A Strategic Review of the World's Top 150 Commercial Non-Life Insurance Brokers Report Prospectus October 2014 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus

More information

Extended Warranties for New and Used Cars in Europe

Extended Warranties for New and Used Cars in Europe Extended Warranties for New and Used Cars in Europe Report Prospectus October 2013 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the research? What is the rationale?

More information

Extended Warranties for New and Used Cars in Latin America

Extended Warranties for New and Used Cars in Latin America Extended Warranties for New and Used Cars in Latin America Report Prospectus April 2015 Finaccord Ltd., 2015 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the research?

More information

Aggregation Metrics: Consumer Approaches to Online Insurance Comparison Sites in Europe

Aggregation Metrics: Consumer Approaches to Online Insurance Comparison Sites in Europe Aggregation Metrics: Consumer Approaches to Online Insurance Comparison Sites in Europe Series Prospectus January 2013 1 Prospectus contents Page What is the research? Which titles are available? What

More information

Coverholders. Market Access Study. Capability Analysis. International Markets. Market Intelligence. April 2010 FOR MANAGING AGENTS AND BROKERS

Coverholders. Market Access Study. Capability Analysis. International Markets. Market Intelligence. April 2010 FOR MANAGING AGENTS AND BROKERS Disclaimer Coverholders Market Access Study Capability Analysis International Markets Market Intelligence April 200 FOR MANAGING AGENTS AND BROKERS Lloyd s Capability Analysis > The Model > Country Categories

More information

Affinity and Partnership Marketing in UK Financial Services

Affinity and Partnership Marketing in UK Financial Services Affinity and Partnership Marketing in UK Financial Services Series Prospectus January 2013 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page Which titles have been published?

More information

Extended Warranties for New and Used Cars in Europe

Extended Warranties for New and Used Cars in Europe Extended Warranties for New and Used Cars in Europe Report Prospectus January 2011 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the research? What is the rationale?

More information

GAP Insurance for New and Used Cars in Europe

GAP Insurance for New and Used Cars in Europe GAP Insurance for New and Used Cars in Europe Report Prospectus October 2013 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the research? What is the rationale? How

More information

BEST PRACTICES/ TRENDS/ TO-DOS

BEST PRACTICES/ TRENDS/ TO-DOS Online Insurance Europe: S/ TRENDS/ TO-DOS New success guidelines WHAT TO DO N D E EW IO IT N Your Benefits EUROPE S S/ TRENDS/ TO-DOS: The new and only study about the best online insurance solutions

More information

Future of European Consumer Finance A joint Eurofinas Roland Berger Survey

Future of European Consumer Finance A joint Eurofinas Roland Berger Survey Future of European Consumer Finance A joint Eurofinas Roland Berger Survey Highlights of 1st Edition Cascais 15 October 2015 118 companies participated to the first Eurofinas - Roland Berger Survey - representing

More information

Business Plan Calls Tariff The Choice for Business Telecoms

Business Plan Calls Tariff The Choice for Business Telecoms Business Plan Calls Tariff The Choice for Business Telecoms broadband / calls / data / / lines / mobile / numbers / voip A w a r d W i n n i n g B u s i n e s s Te l e c o m s FS32851 Quality Management

More information

Electricity, Gas and Water: The European Market Report 2014

Electricity, Gas and Water: The European Market Report 2014 Brochure More information from http://www.researchandmarkets.com/reports/2876228/ Electricity, Gas and Water: The European Market Report 2014 Description: The combined European annual demand for electricity,

More information

Canada GO 2535 TM World Traveller's edition Maps of North America (Canada, US, Mexico), Western and Central Europe (including Russia) CAD 349,95

Canada GO 2535 TM World Traveller's edition Maps of North America (Canada, US, Mexico), Western and Central Europe (including Russia) CAD 349,95 Local products may have different maps, prices and products available. Please see below list for local information, prices in local currency and availability of services. An European device will have working

More information

INTERNATIONAL TRACKED POSTAGE SERVICE

INTERNATIONAL TRACKED POSTAGE SERVICE INTERNATIONAL TRACKED POSTAGE SERVICE Index Expanding Internationally...03 The Post NL Service...04 How it works... 05 Post NL Rates...06 Transit times...07 Customer Service...08 Expanding Internationally

More information

UBS Global Financials Conference

UBS Global Financials Conference UBS Global Financials Conference George Culmer, Group CFO Simon Lee, CEO International 11 May 21 AGENDA Overview George Culmer, CFO UK International Simon Lee, CEO International Emerging Markets Wrap up

More information

Bancassurance Models. Around the World

Bancassurance Models. Around the World Bancassurance Models Distribution Channels for Life Insurance: A Global Perspective Around the World 2nd Life Insurance Forum Amsterdam, April 9 th 10 th 2014 Finaccord Ltd., 2014 Web: www.finaccord.com.

More information

Global Marine Insurance Report 2008

Global Marine Insurance Report 2008 Global Marine Insurance Report 28 Astrid Seltmann Facts & Figures Committee Analyst/Actuary, CEFOR, Norway Report on marine insurance premiums 26 and 27 By end of August 28, 49 of 54 members (ex 45 of

More information

Trade Credit Insurance in Europe

Trade Credit Insurance in Europe Brochure More information from http://www.researchandmarkets.com/reports/2567046/ Trade Credit Insurance in Europe Description: Trade Credit Insurance in Europe is a report about the market for trade credit

More information

Value of production of agricultural products and foodstuffs, wines, aromatised wines and spirits protected by a geographical indication (GI)

Value of production of agricultural products and foodstuffs, wines, aromatised wines and spirits protected by a geographical indication (GI) Value of production of agricultural products and foodstuffs, wines, aromatised wines and spirits protected by a geographical indication (GI) TENDER N AGRI 2011 EVAL 04 Leaflet October 2012 The information

More information

Professional Indemnity Insurance in the Netherlands

Professional Indemnity Insurance in the Netherlands Brochure More information from http://www.researchandmarkets.com/reports/2125642/ Professional Indemnity Insurance in the Netherlands Description: Professional Indemnity Insurance in the Netherlands is

More information

Fleet Insurance and Assistance in France

Fleet Insurance and Assistance in France Brochure More information from http://www.researchandmarkets.com/reports/2125180/ Fleet Insurance and Assistance in France Description: Fleet Insurance and Assistance in France is about the market for

More information

VOLUNTARY HEALTH INSURANCE AS A METHOD OF HEALTH CARE FINANCING IN EUROPEAN COUNTRIES

VOLUNTARY HEALTH INSURANCE AS A METHOD OF HEALTH CARE FINANCING IN EUROPEAN COUNTRIES VOLUNTARY HEALTH INSURANCE AS A METHOD OF HEALTH CARE FINANCING IN EUROPEAN COUNTRIES Marta Borda Department of Insurance, Wroclaw University of Economics Komandorska St. No. 118/120, 53-345 Wroclaw, Poland

More information

Wireless network traffic worldwide: forecasts and analysis 2014 2019

Wireless network traffic worldwide: forecasts and analysis 2014 2019 Research Forecast Report Wireless network traffic worldwide: forecasts and analysis 2014 2019 October 2014 Rupert Wood 2 About this report This report presents 5-year forecasts of wireless data traffic

More information

IAB Europe AdEx Benchmark 2014. Daniel Knapp, IHS Eleni Marouli, IHS

IAB Europe AdEx Benchmark 2014. Daniel Knapp, IHS Eleni Marouli, IHS IAB Europe AdEx Benchmark 2014 Daniel Knapp, IHS Eleni Marouli, IHS About the study A meta analysis of online ad spend in Europe GROSS NET RATECARD Revenue Billed Revenue Billed No Agency commissions Campaigns

More information

EIOPA Stress Test 2011. Press Briefing Frankfurt am Main, 4 July 2011

EIOPA Stress Test 2011. Press Briefing Frankfurt am Main, 4 July 2011 EIOPA Stress Test 2011 Press Briefing Frankfurt am Main, 4 July 2011 Topics 1. Objectives 2. Initial remarks 3. Framework 4. Participation 5. Results 6. Summary 7. Follow up 2 Objectives Overall objective

More information

Consumer Credit Worldwide at year end 2012

Consumer Credit Worldwide at year end 2012 Consumer Credit Worldwide at year end 2012 Introduction For the fifth consecutive year, Crédit Agricole Consumer Finance has published the Consumer Credit Overview, its yearly report on the international

More information

IAB Adex Benchmark 2012 Daniel Knapp, IHS Electronics & Media

IAB Adex Benchmark 2012 Daniel Knapp, IHS Electronics & Media IAB Adex Benchmark 2012 Daniel Knapp, IHS Electronics & Media ABOUT THE STUDY 2 3 A meta-analysis of online ad spend in Europe GROSS NET RATECARD Revenue Billed Revenue Billed No Agency commissions Campaigns

More information

Global Insurance Brokerage Market 2014-2018

Global Insurance Brokerage Market 2014-2018 Brochure More information from http://www.researchandmarkets.com/reports/2987445/ Global Insurance Brokerage Market 2014-2018 Description: About Insurance Brokerage Insurance brokers play a vital role

More information

Professional Indemnity Insurance in Germany

Professional Indemnity Insurance in Germany Brochure More information from http://www.researchandmarkets.com/reports/2125613/ Professional Indemnity Insurance in Germany Description: Professional Indemnity Insurance in Germany is about the German

More information

Mondelēz International entity which issued the PO matches Mondelēz International entity to which you issue your invoice

Mondelēz International entity which issued the PO matches Mondelēz International entity to which you issue your invoice How to get your invoice paid on time? Truth is we want the same thing you do to process your invoices smoothly and pay on time. Reaching this goal requires contribution from all parties involved in ordering

More information

Mutual Insurance in Figures. Executive summary from the 2007 study produced by AMICE s predecessor association, AISAM

Mutual Insurance in Figures. Executive summary from the 2007 study produced by AMICE s predecessor association, AISAM Mutual Insurance in Figures Executive summary from the 2007 study produced by AMICE s predecessor association, AISAM Disclaimer AISAM 2007 all rights reserved The entire content of this AISAM-statistics

More information

SERVICE LEVEL AGREEMENT! CONFIRMATION

SERVICE LEVEL AGREEMENT! CONFIRMATION SERVICE LEVEL AGREEMENT CONFIRMATION BRINGING ENTERPRISE TO SMB RELIABILITY & LOWERING THE TCO What we built Qsan s unique character on, starts from the approach. We had a dream of bringing an enterprise

More information

Mobile in-market consolidation in Western Europe: impact of recent mergers on margins and market share

Mobile in-market consolidation in Western Europe: impact of recent mergers on margins and market share About Analysys Mason 1 Mobile in-market consolidation in Western Europe: impact of recent mergers on margins and market share August 2013 Pablo Iacopino Executive summary Mobile in-market consolidation

More information

Polish insurance market: growth and potential

Polish insurance market: growth and potential Polish insurance market: growth and potential Polish Insurance Association June 2012 Table of contents 1. Polish insurance market general information 2. Non life insurance in Poland 3. Life insurance in

More information

Professional Indemnity Insurance in Italy

Professional Indemnity Insurance in Italy Brochure More information from http://www.researchandmarkets.com/reports/2125619/ Professional Indemnity Insurance in Italy Description: Professional Indemnity Insurance in Italy is about the Italian market

More information

Genuine BMW Accessories. The Ultimate Driving Machine. BMW Trackstar. tracked. recovered. BMW TRACKSTAR.

Genuine BMW Accessories. The Ultimate Driving Machine. BMW Trackstar. tracked. recovered. BMW TRACKSTAR. Genuine BMW Accessories BMW Trackstar The Ultimate Driving Machine stolen. tracked. recovered. BMW TRACKSTAR. stolen vehicle TRACKING SYSTEM. stolen. tracked. recovered. BMW Trackstar Stolen Vehicle Recovery

More information

How to get your invoice paid on time?

How to get your invoice paid on time? How to get your invoice paid on time? Truth is we want the same thing you do to process your invoices smoothly and pay on time. Moving to OB10 e-invoicing platform enhances our capabilities to reach this

More information

Bottled Water in France

Bottled Water in France Brochure More information from http://www.researchandmarkets.com/reports/53727/ Bottled Water in France Description: The Bottled Water in France industry profile is an essential resource for top-level

More information

13 th Economic Trends Survey of the Architects Council of Europe

13 th Economic Trends Survey of the Architects Council of Europe 13 th Economic Trends Survey 13 th Economic Trends Survey of the Architects Council of Europe 13 th Economic Trends Survey Breakdown of responses COUNTRY ANSWERS France 1464 Belgium 399 Spain 365 Italy

More information

Vertical Guide to Call Centers in EMEA

Vertical Guide to Call Centers in EMEA A Datamonitor report Vertical Guide to Call Centers in EMEA Analyzing trends in EMEA call centers Published: Apr-04 Product Code: Providing you with: Use this report to... Determine the largest and fastest

More information

The powerful link in your value chain

The powerful link in your value chain The powerful link in your value chain 21 3 AT A GLANCE Welcome to the World of Hygiene 4 CUSTOMER STATEMENT 6 PHILOSOPHY AND AIMS 10 PRODUCT RANGE 12 SERVICES 14 CLOSE TO YOU 16 GLOBAL SOURCING 18 GET

More information

Fleet Insurance and Assistance in Germany

Fleet Insurance and Assistance in Germany Brochure More information from http://www.researchandmarkets.com/reports/2125182/ Fleet Insurance and Assistance in Germany Description: Fleet Insurance and Assistance in Germany is about the market for

More information

EUF STATISTICS. 31 December 2013

EUF STATISTICS. 31 December 2013 . ESTIMATES OF EU TURNOVER VOLUMES. Turnover volumes by product, allocation and notification (Estimates of EU s, Millions of ) Estimate of the EU % on Turnover Significance of the sample on total turnover

More information

Fleet Markets Presentation 2005

Fleet Markets Presentation 2005 A Datamonitor report Fleet Markets Presentation 2005 Published: Sep-05 Product Code: DMAU0279 Providing you with: Sizes of the company car market and main financing methods used within the market in the

More information

About us. As our customer you will be able to take advantage of the following benefits: One Provider. Flexible Billing. Our Portal.

About us. As our customer you will be able to take advantage of the following benefits: One Provider. Flexible Billing. Our Portal. About us At RoamingExpert we specialise in mobile roaming tariffs which are tailored to the specific needs of the yachting industry. Our unique offering generates significant savings when compared to standard

More information

Size and Development of the Shadow Economy of 31 European and 5 other OECD Countries from 2003 to 2015: Different Developments

Size and Development of the Shadow Economy of 31 European and 5 other OECD Countries from 2003 to 2015: Different Developments January 20, 2015 ShadEcEurope31_January2015.doc Size and Development of the Shadow Economy of 31 European and 5 other OECD Countries from 2003 to 2015: Different Developments by Friedrich Schneider *)

More information

Introducing Clinical Trials Insurance Services Ltd

Introducing Clinical Trials Insurance Services Ltd Introducing Clinical Trials Insurance Services Ltd Important Staff Richard Kelly Managing Director Richard joined CTIS in 2006 having previously managed the Pharmaceutical wholesale division at Heath Lambert

More information

1. Perception of the Bancruptcy System... 2. 2. Perception of In-court Reorganisation... 4

1. Perception of the Bancruptcy System... 2. 2. Perception of In-court Reorganisation... 4 Bankruptcy Systems and In-court Reorganisation of Firms, 2010 Content: 1. Perception of the Bancruptcy System... 2 2. Perception of In-court Reorganisation... 4 3. Perception of Creditor Committees, Fast

More information

Data Centre Pricing in Europe 2013 to 2018

Data Centre Pricing in Europe 2013 to 2018 Brochure More information from http://www.researchandmarkets.com/reports/2712847/ Data Centre Pricing in Europe 2013 to Description: The third edition of the Data Centre Pricing in Europe 2013 to report

More information

How To Understand Factoring

How To Understand Factoring EIF Project "Jeremie" General Report on Factoring 1 Market analysis on Factoring in EU 25+2 prepared by International Factors Group (IFG) for European Investment Fund (EIF) project JEREMIE Preliminary

More information

How To Tax On Pension Income For Older People In European Countries

How To Tax On Pension Income For Older People In European Countries Austria Belgium Czech Republic Tax credit of EUR 400 for low pension income up to EUR 17,000; the tax credit is fully phased out once pension income equals EUR 25,000. pension income of maximum EUR 1,901.19.

More information

Access the world. with Schwab Global Investing Services

Access the world. with Schwab Global Investing Services Access the world with Schwab Global Investing Services 78% of developed country equity market growth between 2000 and 2012 came from outside the U.S. 1 60% of developed country stock market capitalization

More information

TRADING STATEMENT FINANCIAL YEAR 2014/15

TRADING STATEMENT FINANCIAL YEAR 2014/15 METRO GROUP TRADING STATEMENT FINANCIAL YEAR 2014/15 P. 1 TRADING STATEMENT FINANCIAL YEAR 2014/15 METRO GROUP achieves sales target and confirms EBIT guidance Like-for-like sales growth of 1.5% in financial

More information

41 T Korea, Rep. 52.3. 42 T Netherlands 51.4. 43 T Japan 51.1. 44 E Bulgaria 51.1. 45 T Argentina 50.8. 46 T Czech Republic 50.4. 47 T Greece 50.

41 T Korea, Rep. 52.3. 42 T Netherlands 51.4. 43 T Japan 51.1. 44 E Bulgaria 51.1. 45 T Argentina 50.8. 46 T Czech Republic 50.4. 47 T Greece 50. Overall Results Climate Change Performance Index 2012 Table 1 Rank Country Score** Partial Score Tendency Trend Level Policy 1* Rank Country Score** Partial Score Tendency Trend Level Policy 21 - Egypt***

More information

EUROPEAN. Geographic Trend Report for GMAT Examinees

EUROPEAN. Geographic Trend Report for GMAT Examinees 2011 EUROPEAN Geographic Trend Report for GMAT Examinees EUROPEAN Geographic Trend Report for GMAT Examinees The European Geographic Trend Report for GMAT Examinees identifies mobility trends among GMAT

More information

Alcohol Consumption in Ireland 1986-2006 A Report for the Health Service Executive

Alcohol Consumption in Ireland 1986-2006 A Report for the Health Service Executive Alcohol Consumption in Ireland 1986-2006 A Report for the Health Service Executive Prepared by Dr. Ann Hope This report should be referenced: Hope, A. (2007). Alcohol consumption in Ireland 1986-2006.

More information

Automotive Finance and Leasing for Consumers in Europe

Automotive Finance and Leasing for Consumers in Europe Automotive Finance and Leasing for Consumers in Europe Report Prospectus January 2011 1 Prospectus contents Page What is the research? What is the rationale? How do dealerships surveyed break down? Which

More information

ARE ENTREPRENEURS BORN OR MADE? AMWAY GLOBAL ENTREPRENEURSHIP REPORT ITALY AND UNITED STATES IN COMPARISON

ARE ENTREPRENEURS BORN OR MADE? AMWAY GLOBAL ENTREPRENEURSHIP REPORT ITALY AND UNITED STATES IN COMPARISON ARE ENTREPRENEURS BORN OR MADE? AMWAY GLOBAL ENTREPRENEURSHIP REPORT AND UNITED STATES IN COMPARISON INTRO AND OBJECTIVES SURVEY DESIGN Fieldwork: April July 2014 Sample: 43.902 men and women aged 14-99

More information

World Leasing Yearbook 2016

World Leasing Yearbook 2016 Brochure More information from http://www.researchandmarkets.com/reports/3687603/ World Leasing Yearbook 2016 Description: The 2016 edition provides valuable reference data for all players in the field,

More information

Professional Indemnity Insurance in Switzerland

Professional Indemnity Insurance in Switzerland Brochure More information from http://www.researchandmarkets.com/reports/2125635/ Professional Indemnity Insurance in Switzerland Description: Professional Indemnity Insurance in Switzerland is about the

More information

UTX Europe V2 - Enhancements

UTX Europe V2 - Enhancements UTX Europe V2 - Enhancements Global Enhancements... 2 Country-By-Country Analysis - UTX Europe V2 Feature Enhancements... 3 Austria... 3 Belgium... 3 Czech Republic... 3 Denmark... 3 Finland... 3 France...

More information

Trends in the European Investment Fund Industry. in the Second Quarter of 2014. Results for the first half of 2014

Trends in the European Investment Fund Industry. in the Second Quarter of 2014. Results for the first half of 2014 Quarterly Statistical Release September 2014, N 58 This release and other statistical releases are available on efama s website (www.efama.org) Trends in the European Investment Fund Industry in the Second

More information

Plants Plants Plants Plants Plants

Plants Plants Plants Plants Plants Students Presentation: Nina Wachendorf 1 Structure Company Structure Company Coordination Company Distribution EWC Structure EWC Distribution EWC Coordination EWC Parts Company Structure Corporation Country

More information

Trends in the European Investment Fund Industry. in the Fourth Quarter of 2015. Results for the Full Year of 2015

Trends in the European Investment Fund Industry. in the Fourth Quarter of 2015. Results for the Full Year of 2015 Quarterly Statistical Release February 2016, N 64 This release and other statistical releases are available on Efama s website (www.efama.org) Trends in the European Investment Fund Industry in the Fourth

More information

Appendix C. National Subscription Television Regulations

Appendix C. National Subscription Television Regulations Appendix C National Subscription Television Regulations Australia At least 10% of annual programme expenditure on pay TV drama services must be on new eligible (Australian) Same requirements as cable television

More information

European Portfolio Advisory Group Market update

European Portfolio Advisory Group Market update European Portfolio Advisory Group Market update October 2013 Click to launch 2 Publication Issue European NPL outlook and transactions in key markets Richard Thompson Chairman, European Portfolio Advisory

More information

Get the benefits of Norgren s unique range of Online services

Get the benefits of Norgren s unique range of Online services Get the benefits of Norgren s unique range of Online services Make your job easier and save time - everything you need to select, design and purchase Norgren pneumatics is in one convenient location, available

More information

Professional Indemnity Insurance in Poland

Professional Indemnity Insurance in Poland Brochure More information from http://www.researchandmarkets.com/reports/2125621/ Professional Indemnity Insurance in Poland Description: Professional Indemnity Insurance in Poland is about the Polish

More information

Labour Force Survey 2014 Almost 10 million part-time workers in the EU would have preferred to work more Two-thirds were women

Labour Force Survey 2014 Almost 10 million part-time workers in the EU would have preferred to work more Two-thirds were women 75/2015-27 April 2015 Labour Force Survey 2014 Almost 10 million part-time workers in the EU would have preferred to work more Two-thirds were women Among the 44.1 million persons in the European Union

More information

Professional Indemnity Insurance in Belgium

Professional Indemnity Insurance in Belgium Brochure More information from http://www.researchandmarkets.com/reports/2125599/ Professional Indemnity Insurance in Belgium Description: Professional Indemnity Insurance in Belgium is about the Belgian

More information

How To Understand Programmatic Advertising

How To Understand Programmatic Advertising Attitudes towards Programmatic Advertising August 2015 @IABEurope IAB Europe iabeurope.eu IAB Europe Page 1 of17 Contents 1. Introduction 3-4 2. Executive Summary 5 3. Methodology and Participants 6 4.

More information

BT Premium Event Call and Web Rate Card

BT Premium Event Call and Web Rate Card BT Managed Event and BT Self-Managed Event (also referred to as Express, Plus and Premium) Conference Bridge and Call for Booked Audio Conferencing Services will comprise the following for each phone-conference:

More information