Consumer Automotive Financial Services in Southern and Western Europe

Transcription

1 Brochure More information from Consumer Automotive Financial Services in Southern and Western Europe Description: The report titled Consumer Automotive Financial Services in Southern and Western Europe investigates the market for automotive financial services linked to sales of new and used passenger cars in Southern and Western Europe. In addition to analysing the EUR billion market for finance and leasing services, the study also covers ancillary automotive financial services markets including creditor insurance, motor insurance, road assistance, extended warranties, pre-paid service contracts and GAP insurance. The revenues generated from high margin ancillary products, which Finaccord quantifies for the first time in any published study, are crucial to enhancing the profits of a variety of market participants including dealers, manufacturers and independent finance providers. The report draws on a survey of 500 leading car dealerships in eight countries in Southern and Western Europe, Belgium, France, Ireland, Italy, the Netherlands, Portugal, Spain and the UK, as well as an analysis of the approach to consumer automotive financial services of leading manufacturer groups typically representing between 30 and 40 automotive brands, in the same countries. The PartnerBASE database that accompanies the report details each of the marketing initiatives for consumer automotive financial services traced by Finaccord for both dealers and manufacturers. Together, the report and database will provide you with the definitive guide to current and future opportunities in consumer automotive financial services in Southern and Western Europe. Key features of this report include: - coverage of the six distinct sectors within consumer automotive financial services, namely finance / leasing, creditor insurance, motor insurance, road assistance, extended warranties, pre-paid service contracts and GAP insurance, plus top level findings for other niche insurance markets, namely loss of driving licence insurance, MOT insurance, scratch, dent and alloy insurance, and tyre insurance; - for the seven major products, provision of hitherto unpublished market size and segmentation data for each of these markets generated from Finaccord s proprietary European Automotive Financial Services Model; - clear analysis of the market for consumer finance and leasing services related to new and used car sales by distribution channel, differentiating between the point of sale and direct lenders; - presentation of unique data from the survey of dealerships illustrating average customer take-up rates for consumer automotive financial services at the point of sale in each country; - identification of the partners used for consumer automotive financial services by both dealerships and manufacturers, or their local importers, with contextual commentary concerning key competitors. Contents: 0.0 EXECUTIVE SUMMARY The credit crisis and recession have shaken the world of automotive financial services Consumers have shifted away from direct lending to point-of-sale finance and cash-only sales The point-of-sale car finance markets in Ireland and Spain have suffered most while they have risen substantially in Belgium The number of providers used by dealers has decreased, to the benefit of captives Revenues from other financial services are worth 5% or more of car sales in France, Portugal and Spain Five financial products generate revenues around EUR 1 billion a year or more 1.0 INTRODUCTION The focus of the report is on financial services related to the sale of passenger cars to individuals Rationale Financial services provision is crucial to the profitability of automotive entities and extends to a range of insurance, warranty and assistance concepts although published information on these markets remains at a premium Methodology

2 Dealer survey Manufacturer survey Market data Definitions Finance and leasing products Insurance, warranty and assistance products Captives and non-captives Abbreviations PartnerBASE Finaccord 2.0 REGIONAL OVERVIEW Introduction Passenger vehicle data Mature markets mean that the car parc is growing very slowly France overtook Italy and the UK to become the largest market for new cars in the region while a rapid turnover in car ownership means that the Netherlands and UK have large used car markets PSA Peugeot Citroën is the regional leader, thanks to its strength in France while Volkswagen Group has the most consistently high market share The top five manufacturers account for two thirds of all registrations Finance and leasing Market size and growth The UK and France make up more than half the region s total of finance and leasing agreements while Italy overtakes France for the volume of point-of-sale finance contracts only and overtakes the UK to be the largest market for point-of-sale finance by value Private car finance in the region peaked in 2008 with a market value of EUR 32.7 billion The credit crisis has reduced direct lenders appetite for unsecured personal lending while captive providers have sought to support sales of new cars with a weaker performance for the dealer channel for used cars The average value of cars rose during the boom years but has slowed with the economic down-turn The overall market is evenly divided between point-of-sale and direct finance in terms of volume for both new and used cars Survey results Provision of finance and leasing services is clearly below 100% in Ireland and the Netherlands There is only a small variation in the number of providers used for finance and leasing and this variation has shrunk rapidly with the credit crisis Captive finance providers have a relationship with 85% of car dealers though captive-only relationships are a minority in Ireland and the UK Average customer take-up rates at the point of sale are highest for new cars in Spain and Italy Take-up rates through dealers have plunged in Ireland but increased in Spain Loans are the most common type of finance and leasing contract in six countries out of eight At least 85% of manufacturers and importers have partners for finance and leasing, outside Ireland Creditor insurance Market size Only three countries have a substantial market for this form of insurance sold by the automotive trade Survey results Dealers offering creditor insurance are a minority in the Netherlands and the UK Naturally, high take-up rates are achieved where this product is bundled automatically supported by high provision rates of creditor insurance by dealers in France, Italy, Portugal and Spain Manufacturer brands provision of this form of insurance largely depends on their provision of finance Motor insurance Market size The automotive channel generates nearly EUR 750 million a year in motor insurance premiums in Italy although the influence of the automotive trade is likely to be greatest in Portugal Survey results Only half of dealers offer motor insurance in France and Belgium Only dealers in Spain work with more than two motor insurance providers, on average Captive insurance providers are mostly used in Belgium and France but take-up rates are very low in these two countries The take-up rate of motor insurance with used cars is lower than for new cars everywhere except Portugal Enthusiasm for branded or endorsed motor insurance is high in six of the eight countries investigated Road assistance Market size The UK and France are the largest markets for road assistance distributed through the automotive channel... Survey results with Italy as the only country where less than 90% of dealers distribute road assistance

3 Dealers in Spain use the largest number of road assistance providers Non-captives are least used in Belgium for road assistance Automatic packaging of road assistance with new car sales dips in France and Italy and the take-up for used car sales is especially low in Italy Road assistance is offered by all manufacturers in five out of eight countries Extended warranties Market size Portugal has a much larger market for extended warranties than might be expected Survey results while sales in Ireland are limited by the relatively low proportion of dealers selling this product The highest average number of providers is to be found in the region s largest and smallest markets Non-captive providers are important in the UK as well as in Ireland Spain and Portugal have the highest take-up rates for new and used cars respectively while low provision rates by dealers reduce sales with new cars in the UK Ireland is the only country where manufacturers and importers do not generally offer extended warranties Pre-paid service / maintenance contracts Market size The Italian and Spanish markets are proportionately much smaller than France and the UK Survey results 19 out of 20 French dealers offer pre-paid service contracts and they use the largest average number of providers No non-captive pre-paid service contract providers were identified in Italy Pre-paid service contracts are taken out by a third of customers buying a new car in the UK when available falling to a quarter after adjusting for dealerships that do not offer it Manufacturers and importers in France and Portugal are most likely to offer pre-paid service contracts GAP insurance Market size No market exists for separate GAP insurance sold at the point of sale in the Netherlands and Portugal Survey results Dealers in France and the UK nearly always offer GAP insurance Dealers work with a limited number of providers, even in France Only captive providers were identified in Belgium Take-up rates exceed one third in the UK for both new and used car sales but fall below 5% for used car sales in four countries when adjusting for dealers that do not sell it 90% of manufacturer brands in France and the UK offer GAP insurance Niche insurance products Tyre insurance is the niche product most commonly offered by dealers while MOT insurance is offered by many UK manufacturers 3.0 BELGIUM Introduction Passenger vehicle data New car sales reached a new peak in 2010 though used car sales by dealers are in a long-term decline Higher-value brands hold a substantial share of the market in Belgium Market size for consumer automotive financial services Finance and leasing - market size and growth Point-of-sale finance for new cars has performed well since 2006 though direct loans for used cars have shown no growth over this period Half of finance contracts are made up of classic loans Automotive insurance, warranty and assistance markets by size, 2010 Methodology The Belgian market is worth more than EUR 250 million a year though only a fifth comes from creditor insurance, GAP insurance or road assistance Automotive dealer survey Dealers concentrate on six core products with no activity for several niche products Captives dominate dealers distribution partnerships Take-up rates never exceed 50% except for road assistance Over a third of customers take out GAP insurance on new cars, where this is available Competitor dynamics: dealer partnerships Finance / leasing: Van Breda remains the leader, but the credit crisis has taken its toll on Fortis Creditor insurance: finance providers not dealers arrange this product Motor insurance: only three non-captives were identified in this area Road assistance: automatic provision means that captives are the dominant providers

4 Extended warranties: Dynassurances and MAPFRE Asistencia are the only non-captives identified Pre-paid service contracts: three non-captives are present, while some dealers operate their own schemes GAP insurance: no non-captives were found to be offering this product through dealers Competitor dynamics: manufacturer brand partnerships Manufacturer brands provision of motor and GAP insurance exceeds that of dealers who have not shown much sign of innovation in selling ancillary financial products Finance / leasing: GMAC has joined the joint ventures, amid the pressure of the credit crisis Creditor insurance: only Peugeot and Citroën use a captive provider Motor insurance: ACTEL and Servis are the leading providers for the automotive channel Road assistance: six breakdown companies operate with manufacturers Extended warranties: Car Garantie, Real Garant and RAC are the leading non-captive competitors Pre-paid service contracts: only RAC and Axus have deals with manufacturer brands as non-captives GAP insurance: only one captive insurance company offers this cover 4.0 FRANCE Introduction Passenger vehicle data New car sales dipped again in 2010, after a good performance in 2009 Domestic manufacturer groups account for nearly six new car sales out of ten and Fiat was the only other major group to increase market share since 2006 Market size for consumer automotive financial services Finance and leasing - market size and growth Point-of-sale finance for new cars has been the best part of the market over 2006 to 2010 direct lending for used car sales has been the weakest part, because used car sales have declined and lower average car prices have reduced the value of direct loans further Loans made up 55% of point-of-sale finance, with the rest divided between three types of leasing Automotive insurance, warranty and assistance markets by size, 2010 Methodology Five segments of this market generate revenues worth more than EUR 250 million each per year led by motor insurance, extended warranties and pre-paid service contracts followed by GAP insurance and creditor insurance Automotive dealer survey Six major financial services are offered by nearly all dealers because they are often packaged together and niche insurance covers are also often packaged together The majority of dealers only work with their motor brand s captive provider Creditor insurance is the paid-for product most often taken out, where relevant take-up rates for finance / leasing contracts and extended warranties exceed 30% and even niche products have take-up rates of 15% or more, thanks to packaging Competitor dynamics: dealer partnerships Finance / leasing: Cetelem and CGI are the dominant finance houses Creditor insurance: finance providers not dealers arrange this product Motor insurance (one year / long-term): AXA is the only mainstream insurer active as a non-captive Short-term motor insurance: captives are the main provider for the minority of dealers who sell this cover Road assistance: captives and finance providers distribute the bulk of road assistance contracts Extended warranties: Cirano, Icare and RAC have a foothold in this market Pre-paid service contracts: among non-captives, specialist motor services companies vie with the lenders GAP insurance: finance houses lead the non-captives because this is packaged with finance contracts Scratch, dent and alloy insurance was provided by Identicar and Eurodatacar Tyre insurance: Michelin offers tyre insurance as a stand-alone product Competitor dynamics: manufacturer brand partnerships Manufacturers provision is well aligned with dealers requirements for most products Finance / leasing: captives dominate the provision of finance for manufacturer brands with Crédit Agricole as the most important non-captive lender Creditor insurance: non-captives are most often used, aside from PSA and Renault Nissan Motor insurance: Altima Assurances has access to the majority of new car buyers Short-term motor insurance: the main domestic brands offer this type of cover from Altima Assurances Road assistance: every manufacturer brand offers assistance Extended warranties: RAC is the leading external provider Pre-paid service contracts: nearly all manufacturers offer this, and most use internal or captive providers GAP insurance: Covéa Fleet is the dominant provider Tyre insurance: maintenance contracts can include options for repairing punctures 5.0 IRELAND

5 Introduction Passenger vehicle data New car sales remain a long way below the peak of 2007 and the outlook for 2011 is bleak Toyota was the third largest manufacturer group in Ireland for 2009 Market size for consumer automotive financial services Finance and leasing - market size and growth Point-of-sale finance for new cars has collapsed since 2007 with a strong shift to cash sales Nine finance and leasing contracts out of ten are hire purchase Automotive insurance, warranty and assistance markets by size, 2010 Methodology Sales of all ancillary financial products are low in Ireland with no evidence of motor insurance being sold by dealers Automotive dealer survey Only three products are sold by more than 50% of dealers The number of partners used for finance and leasing has nearly halved since 2006 Road assistance aside, the highest take-up rate is for pre-paid service contracts on new cars Competitor dynamics: dealer partnerships Finance / leasing: GE Money, Bank of Scotland and Friends First have retreated from the market Creditor insurance: finance providers not dealers arrange this product Road assistance: the RAC works with 10% of dealers surveyed Extended warranties: MAPFRE Asistencia is the leading non-captive provider in Ireland Pre-paid service contracts: all non-captive schemes are run by dealers themselves GAP insurance: no non-captives were found to be offering this product through dealers Competitor dynamics: manufacturer brand partnerships Manufacturers could expand the provision of extended warranties, GAP insurance and service contracts Finance / leasing: there are only three providers across all 30 manufacturers brands Creditor insurance: only Volkswagen Bank has its own partner, in the form of Pinnacle Motor insurance: Aviva and Zurich are the only underwriters with manufacturer brand partners Road assistance: the AA has over half of all partnerships, weighted by car sales Extended warranties: only five manufacturer brands offer this product in Ireland Pre-paid service contracts: BMW Group, Ford and Mazda have a product for these contracts GAP insurance: Pinnacle and Zurich share seven partnerships between them MOT insurance: a niche too far? 6.0 ITALY Introduction Passenger vehicle data New car sales dropped for both individual and commercial customers between 2006 and 2010 Fiat was able to further increase its market share between 2006 and 2009 Market size for consumer automotive financial services Finance and leasing - market size and growth A higher proportion of car buyers in Italy now pay in cash only than in the past while direct lending has suffered a bit less than point-of-sale finance during the credit crisis Classic loans dominate the type of contracts taken out by private customers Automotive insurance, warranty and assistance markets by size, 2010 Methodology Two products account for more than 60% of the overall revenue led by motor insurance and followed by creditor insurance while GAP insurance has also found a market in Italy Automotive dealer survey Four types of financial products are offered by at least 90% of dealers in Italy Dealers work with an average of close to two providers for finance and leasing Extended warranties have similar take-up rates for new and used cars where the product is available Competitor dynamics: dealer partnerships Finance / leasing: close to half of all dealers work with both a captive and non-captive provider Creditor insurance: it is common for dealers to offer this product Motor insurance: often motor insurance is sold as part of a finance contract Road assistance: a number of assistance providers compete for breakdown recovery insurance in Italy Extended warranties: the great majority of dealers in Italy offer extended warranties Pre-paid service contracts: dealers own schemes predominate GAP insurance: Cardif has secured a dominant position in terms of the number of partnerships Competitor dynamics: manufacturer brand partnerships Manufacturer brands provision of finance / leasing currently lags that of dealers Finance / leasing: FGA Capital accounts for more than a third of the weighted provider share of partnerships

6 Creditor insurance: some key brands work with more than one provider Motor insurance: manufacturer brands of the Fiat Group work with two insurance providers Road assistance: Europ Assistance has carved out a dominant position in this market Extended warranties: most manufacturer brands work with an external partner Pre-paid service contracts: internal provision is the standard operating model GAP insurance: Genworth Financial and Cardif account for the bulk of partnerships 7.0 NETHERLANDS Introduction Passenger vehicle data New car sales have nearly recovered to the pre-credit crisis level The turnover rate on passenger cars is high, resulting in a large used car market Toyota rose from sixth to third place for new car registrations between 2006 and 2009 Market size for consumer automotive financial services Finance and leasing - market size and growth Direct lenders have increased their share of the market such that only a quarter of finance and leasing contracts are made at the point of sale A fall in average car prices has reduced the value of the finance and leasing market Six different types of finance and leasing product are available including one unique to the Netherlands Automotive insurance, warranty and assistance markets by size, 2010 Methodology Motor insurance is the most important ancillary financial product with premiums for creditor insurance worth less than EUR 20 million for 2010 Automotive dealer survey Motor insurance and extended warranties are offered nearly as often as finance and leasing but pre-paid service contracts and creditor insurance were the only other notable products Pre-paid service contracts are not usually provided by captives Over half of customers take up creditor insurance where relevant and available Take-up rates among used car customers are not much lower than for new cars Competitor dynamics: dealer partnerships Finance / leasing: ING leads the way in a fragmented market Creditor insurance: finance providers not dealers arrange this product Motor insurance: BOVAG and Centraal Beheer Achmea lead the way Road assistance: BOVAG is the main independent provider Extended warranties: dealers run their own schemes more often than they use an external non-captive Pre-paid service contracts: BOVAG and The Warranty Group have developed a presence in this sector Competitor dynamics: manufacturer brand partnerships Dealers rarely go beyond the products made available by manufacturers Finance / leasing: Alcredis and Ribank are the leading non-captive partners Creditor insurance: three providers hold all partnerships between them Motor insurance: Unigarant and Generali hold two thirds of partnerships when weighted by sales Road assistance: ANWB holds nearly half of all partnerships, weighted by new car registrations Extended warranties: a third of partnerships are run by internal providers Pre-paid service contracts: no external companies have partnerships for these contracts 8.0 PORTUGAL Introduction Passenger vehicle data New car sales surged in 2010, despite economic uncertainty and the car parc exceeded 4.5 million vehicles for the first time in 2010 Fiat Group increased its market share by more than 70%, 2006 to 2009 Market size for consumer automotive financial services Finance and leasing - market size and growth Consumers are taking out more loans directly, at the expense of the dealer channel and point-of-sale loans now make up less than two thirds of the market by value Three quarters of finance and leasing contracts are loans Automotive insurance, warranty and assistance markets by size, 2010 Methodology Cars are owned for a relatively long time in Portugal, to the benefit of products that can be renewed Pre-paid service contracts and creditor insurance are significant products in Portugal Automotive dealer survey Dealers offer a consistent range of financial products and services but none offered the niche insurance products investigated

7 Both finance and motor insurance are regularly provided by non-captives Take-up rates are higher among used car customers for four products out of six Competitor dynamics: dealer partnerships Finance / leasing: Santander Consumer Finance works with a quarter of dealerships Creditor insurance: all dealers offer this form of cover alongside finance contracts Motor insurance: 15 insurers compete for business among 50 dealers Road assistance: insurers rather than assistance companies act as dealers partners Extended warranties: no single provider has established a lead in this area Pre-paid service contracts: most dealers offer this product, but only one has its own scheme for it Competitor dynamics: manufacturer brand partnerships Many manufacturers lack a partner for motor insurance, which is a key product for dealers Finance / leasing: finance is provided by captives plus Santander Consumer Finance Creditor insurance: ALICO leads, thanks to its partnership with the Renault Nissan Group Motor insurance: six insurance providers share 16 relationships Road assistance: ACP dominates, followed by Mondial Assistance Extended warranties: internal providers account for 40% of partnerships when weighted by sales Pre-paid service contracts: Mondial Assistance and ACP are once again the main external providers 9.0 SPAIN Introduction Passenger vehicle data New car sales in 2010 remain far below the levels of the boom years Seven automotive brands vie for the lead in Spain and Toyota has made the largest gains since 2006 Market size for consumer automotive financial services Finance and leasing - market size and growth Direct lending for new cars has plummeted since 2006 and point-of-sale finance for used car sales has been the only growth area since 2006 Point-of-sale finance on new cars is worth almost half of the total finance and leasing market Under 10% of cars are financed using leasing contracts Automotive insurance, warranty and assistance markets by size, 2010 Methodology Motor insurance generates half the revenues from insurance, assistance and warranty products creditor insurance and extended warranties make up another 37% of this market leaving just 9% between GAP insurance, pre-paid service contracts and road assistance Automotive dealer survey Dealers concentrate on five traditional financial products with a wider range for new cars especially while niche risks can be covered through the wide range of motor insurance policies available in Spain Dealers work with a panel of motor insurers or with a broker Take-up rates exceed 50% on three products and used car customers tend to shun additional products Competitor dynamics: dealer partnerships Finance / leasing: BBVA and Santander are the leading non-captive providers Creditor insurance: all dealers distributing finance and leasing also sell these policies Motor insurance: a highly competitive market with multiple providers Road assistance: motor insurers are the leading non-captives Extended warranties: no company has real leadership for this product Pre-paid service contracts: among non-captives, specialist motor services companies vie with the lenders GAP insurance: Santander was the only non-captive provider identified by this survey Competitor dynamics: manufacturer brand partnerships Manufacturers provision is well aligned with dealers requirements for most products Finance / leasing: the largest brands have manufacturer captive providers while other brands use a mixture of importers captives, joint ventures and single partners Creditor insurance: Cardif and ALICO lead the non-captive insurers Motor insurance: few manufacturer brands use a single partner Road assistance: the Spanish market is differentiated by the variety of operating models and partners in use Extended warranties: OVERLEASE is the leading external provider in Spain Pre-paid service contracts: only seven brands offer this service GAP insurance: brokers or captive brokers handle all GAP insurance for manufacturer brands 10.0 UNITED KINGDOM Introduction Passenger vehicle data New car sales in 2010 have recovered slightly from the low level recorded in 2009 but this recovery is due to fleet and business customers, not the retail market

8 The recession increased the number of competitors in the market through the sale of several brands Market size for consumer automotive financial services Finance and leasing - market size and growth The credit crisis has restricted direct lenders willingness to compete in this market to the benefit of point-ofsale finance Point-of-sale finance is split between hire purchase and personal contract plans Automotive insurance, warranty and assistance markets by size, 2010 Methodology Four types of automotive insurance, warranty and assistance products generate 95% of revenue led by extended warranties followed by pre-paid service contracts, motor insurance and GAP insurance with much smaller values for road assistance and creditor insurance Automotive dealer survey GAP insurance is the second-most commonly offered type of financial service offered by dealers Dealers work with an average of three providers for finance and leasing Two types of financial service are often provided automatically with a car purchase while niche insurance products are far more popular than creditor insurance Competitor dynamics: dealer partnerships Finance / leasing: Santander and Barclays have risen while Capital Bank and GE Money have sunk Creditor insurance: finance providers not dealers arrange this product Motor insurance (one year / long-term): dealers do not seek to sell this form of motor insurance Short-term motor insurance: Aviva was the only provider identified for short-term cover Road assistance: three companies are seeking to challenge the dominance of captives Extended warranties: non-captives have nearly as many partnerships as captives Pre-paid service contracts: dealers own schemes predominate GAP insurance: MAPFRE ABRAXAS is the market leader measured by number of partners MOT insurance: dealers are yet to take up manufacturer brands propositions Scratch, dent and alloy insurance: non-captives are developing a niche overlooked by manufacturer brands Tyre insurance: no fewer than seven non-captive companies are competing for a niche market Competitor dynamics: manufacturer brand partnerships Manufacturer brands provision of scratch, dent and alloy insurance and tyre insurance lags that of dealers Finance / leasing: GMAC has joined the joint ventures, amid the pressure of the credit crisis Creditor insurance: Pinnacle Insurance leads the way by weighted share of partnerships Motor insurance: nearly all manufacturer brands have a partner for this, despite low consumer take-up Road assistance: three companies share all partnerships between them Extended warranties: only General Motors and Ferrari opt against the single partnership model Pre-paid service contracts: internal provision is the most common operating model GAP insurance: Pinnacle and MAPFRE ABRAXAS hold nearly two thirds of weighted partnerships MOT insurance: GMAC Insurance Group is the leading provider for this cover Scratch, dent and alloy insurance: only Porsche Insurance offers this protection Tyre insurance: three insurers have partnerships with manufacturer brands LIST OF GRAPHICS / TABLES 0.0 EXECUTIVE SUMMARY Direct lending declined fastest between 2006 and 2010 The value of finance and leasing contracts to buy cars was greater in 2010 than in 2006 in Belgium, France, Portugal and the UK, despite the economic crisis More than EUR 8 billion of revenue comes from additional automotive financial services Two thirds of additional revenues come from other products other than motor insurance 1.0 INTRODUCTION Dealers contacted by Finaccord, segmented by country and manufacturer group affiliation Manufacturer groups and brands contacted by Finaccord 2.0 REGIONAL OVERVIEW Overview of the passenger car parc in Southern and Western Europe, Overview of new passenger car sales in Southern and Western Europe, Overview of used passenger car sales in Southern and Western Europe, New car registrations in Southern and Western Europe segmented by manufacturer group, 2009 (data) Comparison of volume of passenger cars financed in Southern and Western Europe segmented by new / used and by distribution channel, 2010 Comparison of volume of passenger cars financed in Southern and Western Europe segmented by new / used and by distribution channel, 2010 (data)

9 Comparison of value of passenger cars financed in Southern and Western Europe segmented by new / used and by distribution channel, 2010 Comparison of value of passenger cars financed in Southern and Western Europe segmented by new / used and by distribution channel, 2010 (data) Key data points for the passenger car finance market in Southern and Western Europe segmented by distribution channel: volumes and values, Total passenger car finance market in Southern and Western Europe segmented by distribution channel: volumes, Total passenger car finance market in Southern and Western Europe segmented by distribution channel: values, Comparison of % of dealers offering finance / leasing at the point of sale in Southern and Western Europe, 2010 Comparison of average number of providers used by dealers offering finance / leasing at the point of sale in Comparison of average number of providers used by dealers offering finance / leasing at the point of sale in Southern and Western Europe, (data) Comparison of captive / non-captive operating models used by dealers offering finance / leasing at the point of sale in Comparison of captive / non-captive operating models used by dealers offering finance / leasing at the point of sale in (data) Comparison of average % of new and used car purchasers contracting finance / leasing services at the point of sale in Comparison of average % of new and used car purchasers contracting finance / leasing services at the point of sale in Southern and Western Europe, (data) % of split of consumer automotive finance at the point of sale by type of product in Southern and Western Europe, 2010 % of split of consumer automotive finance at the point of sale by type of product in Southern and Western Europe, 2010 (data) Comparison of % of manufacturers / importers with arrangements for branded finance / leasing services in (data) Approximate size of the market for creditor insurance linked to consumer automotive finance and leasing in Comparison of % of dealers offering creditor insurance at the point of sale in Southern and Western Europe, 2010 Comparison of average % of new and used car purchasers with finance or leasing contracts acquiring creditor insurance at the point of sale in Comparison of overall % of new and used car purchasers with finance or leasing contracts acquiring creditor insurance at the point of sale in Comparison of average and overall % of new and used car purchasers with finance or leasing contracts acquiring creditor insurance at the point of sale in (data) Comparison of % of manufacturers / importers with arrangements for branded creditor insurance in (data) Approximate size of the manufacturer-branded and dealer-intermediated motor insurance market in Approximate size of the manufacturer-branded and dealer-intermediated motor insurance market as a % of the total personal motor insurance market in Comparison of % of dealers offering motor insurance at the point of sale in Southern and Western Europe, 2010 Comparison of average number of providers used by dealers offering motor insurance at the point of sale in Comparison of captive / non-captive operating models used by dealers offering motor insurance at the point of sale in Comparison of captive / non-captive operating models used by dealers offering motor insurance at the point of sale in (data) Comparison of average % of new and used car purchasers acquiring motor insurance at the point of sale in Comparison of overall % of new and used car purchasers acquiring motor insurance at the point of sale in Comparison of average and overall % of new and used car purchasers acquiring motor insurance at the point of sale in (data) Comparison of % of manufacturers / importers with arrangements for branded motor insurance in Southern and Western Europe, 2010 (data) Approximate size of the manufacturer-branded and dealer-intermediated road assistance market in

10 Comparison of % of dealers offering road assistance at the point of sale in Southern and Western Europe, 2010 Comparison of average number of providers used by dealers offering road assistance at the point of sale in Comparison of captive / non-captive operating models used by dealers offering road assistance at the point of sale in Comparison of captive / non-captive operating models used by dealers offering road assistance at the point of sale in (data) Comparison of average % of new and used car purchasers acquiring road assistance at the point of sale in Comparison of overall % of new and used car purchasers acquiring road assistance at the point of sale in Comparison of average and overall % of new and used car purchasers acquiring road assistance at the point of sale in (data) Comparison of % of manufacturers / importers with arrangements for branded road assistance in Southern and Western Europe, 2010 (data) Approximate size of the market for extended warranties for new and used cars in Southern and Western Europe, 2010 Comparison of % of dealers offering extended warranties at the point of sale in Southern and Western Europe, 2010 Comparison of average number of providers used by dealers offering extended warranties at the point of sale in Comparison of captive / non-captive operating models used by dealers offering extended warranties at the point of sale in Comparison of captive / non-captive operating models used by dealers offering extended warranties at the point of sale in (data) Comparison of average % of new and used car purchasers acquiring extended warranties at the point of sale in Comparison of overall % of new and used car purchasers acquiring extended warranties at the point of sale in Comparison of average and overall % of new and used car purchasers acquiring extended warranties at the point of sale in (data) Comparison of % of manufacturers / importers with arrangements for branded extended warranties in (data) Approximate size of the market for pre-paid service contracts for new and used cars in Southern and Western Europe, 2010 Comparison of % of dealers offering pre-paid service contracts at the point of sale in Southern and Western Europe, 2010 Comparison of average number of providers used by dealers offering pre-paid service contracts at the point of sale in Comparison of captive / non-captive operating models used by dealers offering pre-paid service contracts at the point of sale in Comparison of captive / non-captive operating models used by dealers offering pre-paid service contracts at the point of sale in (data) Comparison of average % of new and used car purchasers acquiring pre-paid service contracts at the point of sale in Comparison of overall % of new and used car purchasers acquiring pre-paid service contracts at the point of sale in Comparison of average and overall % of new and used car purchasers acquiring pre-paid service contracts at the point of sale in (data) Comparison of % of manufacturers / importers with arrangements for pre-paid service contracts in Southern and Western Europe, 2010 (data) Approximate size of the market for GAP insurance for new and used cars in Southern and Western Europe, 2010 Comparison of % of dealers offering GAP insurance at the point of sale in Southern and Western Europe, 2010 Comparison of average number of providers used by dealers offering GAP insurance at the point of sale in Comparison of captive / non-captive operating models used by dealers offering GAP insurance at the point of sale in Comparison of captive / non-captive operating models used by dealers offering GAP insurance at the point of sale in (data) Comparison of average % of new and used car purchasers acquiring GAP insurance at the point of sale in

11 Comparison of overall % of new and used car purchasers acquiring GAP insurance at the point of sale in Comparison of average and overall % of new and used car purchasers acquiring GAP insurance at the point of sale in (data) Comparison of % of manufacturers / importers with arrangements for GAP insurance in Southern and Western Europe, 2010 (data) Comparison of % of dealers offering niche insurance products at the point of sale in Southern and Western Europe, 2010 Comparison of % of manufacturers / importers offering niche insurance products at the point of sale in 3.0 BELGIUM Passenger car parc and new / used passenger car sales in Belgium, Passenger car parc and new / used passenger car sales in Belgium, New car registrations in Belgium segmented by manufacturer group, 2009 New / used passenger car finance market in Belgium segmented by distribution channel: volumes, New / used passenger car finance market in Belgium segmented by distribution channel: values, New / used passenger car finance market in Belgium segmented by distribution channel: values and volumes, (data) % of split of automotive finance at the point of sale in Belgium by type of finance contract, 2010 Total revenues from consumer automotive insurance, warranty and assistance markets in Belgium, 2010 Total revenues from consumer automotive insurance, warranty and assistance contracts in Belgium, 2010 (data) % of dealers offering various automotive financial services in Belgium, 2010 Average number of various automotive financial services providers used by dealers in Belgium, 2010 % of new and used car purchasers contracting various automotive financial services at the point of sale in Belgium, 2010 Provision of finance / leasing by dealers, operating models and provider share of non-captive partnerships in Belgium, 2010 Provision of motor insurance (one year / long-term) by dealers, operating models and provider share of noncaptive partnerships in Belgium, 2010 Provision of road assistance by dealers, operating models and provider share of non-captive partnerships in Belgium, 2010 Provision of extended warranties by dealers, operating models and provider share of non-captive partnerships in Belgium, 2010 Provision of pre-paid service contracts by dealers, operating models and provider share of non-captive partnerships in Belgium, 2010 Provision of GAP insurance by dealers and operating models in Belgium, 2010 Comparison of the provision of various automotive financial services by manufacturer brands and dealers in Belgium, 2010 Provision of finance / leasing by manufacturer brands, operating models and weighted provider share of partnerships in Belgium, 2010 Provision of creditor insurance by manufacturer brands, operating models and weighted provider share of partnerships in Belgium, 2010 Provision of motor insurance (one year / long-term) by manufacturer brands, operating models and weighted provider share of partnerships in Belgium, 2010 Provision of road assistance by manufacturer brands, operating models and weighed provider share of partnerships in Belgium, 2010 Provision of extended warranties by manufacturer brands, operating models and weighted provider share of partnerships in Belgium, 2010 Provision of pre-paid service contracts by manufacturer brands, operating models and weighted provider share of partnerships in Belgium, 2010 Provision of GAP insurance by manufacturer brands, operating models and weighted provider share of partnerships in Belgium, FRANCE Passenger car parc and new / used passenger car sales in France, Passenger car parc and new / used passenger car sales in France, (data) New car registrations in France segmented by manufacturer group, 2009 New / used passenger car finance market in France segmented by distribution channel: volumes, New / used passenger car finance market in France segmented by distribution channel: values,

12 New / used passenger car finance market in France segmented by distribution channel: values and volumes, (data) % of split of automotive finance at the point of sale in France by type of finance contract, 2010 Total revenues from consumer automotive insurance, warranty and assistance markets in France, 2010 Total revenues from consumer automotive insurance, warranty and assistance contracts in France, 2010 (data) % of dealers offering various automotive financial services in France, 2010 Average number of various automotive financial services providers used by dealers in France, 2010 % of new and used car purchasers contracting various automotive financial services at the point of sale in France, 2010 Provision of finance / leasing by dealers, operating models and provider share of non-captive partnerships in France, 2010 Provision of motor insurance (one year / long-term) by dealers, operating models and provider share of noncaptive Provision of short-term motor insurance by dealers, operating models and provider share of non-captive Provision of road assistance by dealers, operating models and provider share of non-captive partnerships in France, 2010 Provision of extended warranties by dealers, operating models and provider share of non-captive Provision of pre-paid service contracts by dealers, operating models and provider share of non-captive Provision of GAP insurance by dealers, operating models and provider share of non-captive partnerships in France, 2010 Provision of scratch, dent and alloy insurance by dealers, operating models and provider share of noncaptive Provision of tyre insurance by dealers, operating models and provider share of non-captive partnerships in France, 2010 Comparison of the provision of various automotive financial services by manufacturer brands and dealers in France, 2010 Provision of finance / leasing by manufacturer brands, operating models and weighted provider share of Provision of creditor insurance by manufacturer brands, operating models and weighted provider share of Provision of motor insurance (one year / long-term) by manufacturer brands, operating models and weighted provider share of Provision of short-term motor insurance by manufacturer brands, operating models and weighted provider share of Provision of road assistance by manufacturer brands, operating models and weighed provider share of Provision of extended warranties by manufacturer brands, operating models and weighted provider share of Provision of pre-paid service contracts by manufacturer brands, operating models and weighted provider share of Provision of GAP insurance by manufacturer brands, operating models and weighted provider share of Provision of tyre insurance by manufacturer brands, operating models and weighted provider share of 5.0 IRELAND Passenger car parc and new / used passenger car sales in Ireland, Passenger car parc and new / used passenger car sales in Ireland, New car registrations in Ireland segmented by manufacturer group, 2009 New / used passenger car finance market in Ireland segmented by distribution channel: volumes, New / used passenger car finance market in Ireland segmented by distribution channel: values, New / used passenger car finance market in Ireland segmented by distribution channel: values and volumes, (data) % of split of automotive finance at the point of sale in Ireland by type of finance contract, 2010 Total revenues from consumer automotive insurance, warranty and assistance markets in Ireland, 2010 Total revenues from consumer automotive insurance, warranty and assistance contracts in Ireland, 2010 (data) % of dealers offering various automotive financial services in Ireland, 2010 Average number of various automotive financial services providers used by dealers in Ireland, 2010

13 % of new and used car purchasers contracting various automotive financial services at the point of sale in Ireland, 2010 Provision of finance / leasing by dealers, operating models and provider share of non-captive partnerships in Ireland, 2010 Provision of road assistance by dealers, operating models and provider share of non-captive partnerships in Ireland, 2010 Provision of extended warranties by dealers, operating models and provider share of non-captive partnerships in Ireland, 2010 Provision of pre-paid service contracts by dealers, operating models and provider share of non-captive partnerships in Ireland, 2010 Provision of GAP insurance by dealers, operating models and provider share of non-captive partnerships in Ireland, 2010 Comparison of the provision of various automotive financial services by manufacturer brands and dealers in Ireland, 2010 Provision of finance / leasing by manufacturer brands, operating models and weighted provider share of partnerships in Ireland 2010 Provision of creditor insurance by manufacturer brands, operating models and weighted provider share of partnerships in Ireland, 2010 Provision of motor insurance (one year / long-term) by manufacturer brands, operating models and weighted provider share of partnerships in Ireland, 2010 Provision of road assistance by manufacturer brands, operating models and weighed provider share of partnerships in Ireland, 2010 Provision of extended warranties by manufacturer brands, operating models and weighted provider share of partnerships in Ireland, 2010 Provision of pre-paid service contracts by manufacturer brands, operating models and weighted provider share of partnerships in Ireland, 2010 Provision of GAP insurance by manufacturer brands, operating models and weighted provider share of partnerships in Ireland, 2010 Provision of MOT insurance by manufacturer brands, operating models and weighted provider share of partnerships in Ireland, ITALY Passenger car parc and new / used passenger car sales in Italy, Passenger car parc and new / used passenger car sales in Italy, (data) New car registrations in Italy segmented by manufacturer group, 2009 New / used passenger car finance market in Italy segmented by distribution channel: volumes, New / used passenger car finance market in Italy segmented by distribution channel: values, New / used passenger car finance market in Italy segmented by distribution channel: values and volumes, (data) % of split of automotive finance at the point of sale in Italy by type of finance contract, 2010 Total revenues from consumer automotive insurance, warranty and assistance markets in Italy, 2010 Total revenues from consumer automotive insurance, warranty and assistance contracts in Italy, 2010 (data) % of dealers offering various automotive financial services in Italy, 2010 Average number of various automotive financial services providers used by dealers in Italy, 2010 % of new and used car purchasers contracting various automotive financial services at the point of sale in Italy, 2010 Provision of finance / leasing by dealers, operating models and provider share of non-captive partnerships in Italy, 2010 Provision of motor insurance (one year / long-term) by dealers and operating models in Italy, 2010 Provision of road assistance by dealers, operating models and provider share of non-captive partnerships in Italy, 2010 Provision of extended warranties by dealers, operating models and provider share of non-captive partnerships in Italy, 2010 Provision of pre-paid service contracts by dealers and operating models in Italy, 2010 Provision of GAP insurance by dealers, operating models and provider share of non-captive partnerships in Italy, 2010 Comparison of the provision of various automotive financial services by manufacturer brands and dealers in Italy, 2010 Provision of finance / leasing by manufacturer brands, operating models and weighted provider share of partnerships in Italy, 2010 Provision of creditor insurance by manufacturer brands, operating models and weighted provider share of partnerships in Italy, 2010 Provision of motor insurance (one year / long-term) by manufacturer brands, operating models and

14 weighted provider share of partnerships in Italy, 2010 Provision of road assistance by manufacturer brands, operating models and weighed provider share of partnerships in Italy, 2010 Provision of extended warranties by manufacturer brands, operating models and weighted provider share of partnerships in Italy, 2010 Provision of pre-paid service contracts by manufacturer brands, operating models and weighted provider share of partnerships in Italy, 2010 Provision of GAP insurance by manufacturer brands, operating models and weighted provider share of partnerships in Italy, NETHERLANDS Passenger car parc and new / used passenger car sales in the Netherlands, Passenger car parc and new / used passenger car sales in the Netherlands, New car registrations in the Netherlands segmented by manufacturer group, 2009 New / used passenger car finance market in the Netherlands segmented by distribution channel: volumes, New / used passenger car finance market in the Netherlands segmented by distribution channel: values, New / used passenger car finance market in the Netherlands segmented by distribution channel: values and volumes, (data) % of split of automotive finance at the point of sale in the Netherlands by type of finance contract, 2010 Total revenues from consumer automotive insurance, warranty and assistance markets in the Netherlands, 2010 Total revenues from consumer automotive insurance, warranty and assistance contracts in the Netherlands, 2010 (data) % of dealers offering various automotive financial services in the Netherlands, 2010 Average number of various automotive financial services providers used by dealers in the Netherlands, 2010 % of new and used car purchasers contracting various automotive financial services at the point of sale in the Netherlands, 2010 Provision of finance / leasing by dealers, operating models and provider share of non-captive partnerships in the Netherlands, 2010 Provision of motor insurance (one year / long-term) by dealers, operating models and provider share of noncaptive partnerships in the Netherlands, 2010 Provision of road assistance by dealers, operating models and provider share of non-captive partnerships in the Netherlands, 2010 Provision of extended warranties by dealers, operating models and provider share of non-captive partnerships in the Netherlands, 2010 Provision of pre-paid service contracts by dealers, operating models and provider share of non-captive partnerships in the Netherlands, 2010 Comparison of the provision of various automotive financial services by manufacturer brands and dealers in the Netherlands, 2010 Provision of finance / leasing by manufacturer brands, operating models and weighted provider share of partnerships in the Netherlands, 2010 Provision of creditor insurance by manufacturer brands, operating models and weighted provider share of partnerships in the Netherlands, 2010 Provision of motor insurance (one year / long-term) by manufacturer brands, operating models and weighted provider share of partnerships in the Netherlands, 2010 Provision of road assistance by manufacturer brands, operating models and weighed provider share of partnerships in the Netherlands, 2010 Provision of extended warranties by manufacturer brands, operating models and weighted provider share of partnerships in the Netherlands, 2010 Provision of pre-paid service contracts by manufacturer brands, operating models and weighted provider share of partnerships in the Netherlands, PORTUGAL Passenger car parc and new / used passenger car sales in Portugal, Passenger car parc and new / used passenger car sales in Portugal, New car registrations in Portugal segmented by manufacturer group, 2009 New / used passenger car finance market in Portugal segmented by distribution channel: volumes, New / used passenger car finance market in Portugal segmented by distribution channel: values, New / used passenger car finance market in Portugal segmented by distribution channel: values and volumes, (data)

15 % of split of automotive finance at the point of sale in Portugal by type of finance contract, 2010 Total revenues from consumer automotive insurance, warranty and assistance markets in Portugal, 2010 Total revenues from consumer automotive insurance, warranty and assistance contracts in Portugal, 2010 (data) % of dealers offering various automotive financial services in Portugal, 2010 Average number of various automotive financial services providers used by dealers in Portugal, 2010 % of new and used car purchasers contracting various automotive financial services at the point of sale in Portugal, 2010 Provision of finance / leasing by dealers, operating models and provider share of non-captive partnerships in Portugal, 2010 Provision of motor insurance (one year / long-term) by dealers, operating models and provider share of noncaptive partnerships in Portugal, 2010 Provision of road assistance by dealers, operating models and provider share of non-captive partnerships in Portugal, 2010 Provision of extended warranties by dealers, operating models and provider share of non-captive partnerships in Portugal, 2010 Provision of pre-paid service contracts by dealers, operating models and provider share of non-captive partnerships in Portugal, 2010 Comparison of the provision of various automotive financial services by manufacturer brands and dealers in Portugal, 2010 Provision of finance / leasing by manufacturer brands, operating models and weighted provider share of partnerships in Portugal, 2010 Provision of creditor insurance by manufacturer brands, operating models and weighted provider share of partnerships in Portugal, 2010 Provision of motor insurance (one year / long-term) by manufacturer brands, operating models and weighted provider share of partnerships in Portugal, 2010 Provision of road assistance by manufacturer brands, operating models and weighed provider share of partnerships in Portugal, 2010 Provision of extended warranties by manufacturer brands, operating models and weighted provider share of partnerships in Portugal, 2010 Provision of pre-paid service contracts by manufacturer brands, operating models and weighted provider share of partnerships in Portugal, SPAIN Passenger car parc and new / used passenger car sales in Spain, Passenger car parc and new / used passenger car sales in Spain, (data) New car registrations in Spain segmented by manufacturer group, 2009 New / used passenger car finance market in Spain segmented by distribution channel: volumes, New / used passenger car finance market in Spain segmented by distribution channel: values, New / used passenger car finance market in Spain segmented by distribution channel: values and volumes, (data) % of split of automotive finance at the point of sale in Spain by type of finance contract, 2010 Total revenues from consumer automotive insurance, warranty and assistance markets in Spain, 2010 Total revenues from consumer automotive insurance, warranty and assistance contracts in Spain, 2010 (data) % of dealers offering various automotive financial services in Spain, 2010 Average number of various automotive financial services providers used by dealers in Spain, 2010 % of new and used car purchasers contracting various automotive financial services at the point of sale in Spain, 2010 Provision of finance / leasing by dealers, operating models and provider share of non-captive partnerships in Spain, 2010 Provision of motor insurance (one year / long-term) by dealers, operating models and provider share of noncaptive partnerships in Spain, 2010 Provision of road assistance by dealers, operating models and provider share of non-captive partnerships in Spain, 2010 Provision of extended warranties by dealers, operating models and provider share of non-captive partnerships in Spain, 2010 Provision of pre-paid service contracts by dealers, operating models and provider share of non-captive partnerships in Spain, 2010 Provision of GAP insurance by dealers, operating models and provider share of non-captive partnerships in Spain, 2010 Comparison of the provision of various automotive financial services by manufacturer brands and dealers in Spain, 2010

16 Provision of finance / leasing by manufacturer brands, operating models and weighted provider share of partnerships in Spain, 2010 Provision of creditor insurance by manufacturer brands, operating models and weighted provider share of partnerships in Spain, 2010 Provision of motor insurance (one year / long-term) by manufacturer brands, operating models and weighted provider share of partnerships in Spain, 2010 Provision of road assistance by manufacturer brands, operating models and weighed provider share of partnerships in Spain, 2010 Provision of extended warranties by manufacturer brands, operating models and weighted provider share of partnerships in Spain, 2010 Provision of pre-paid service contracts by manufacturer brands, operating models and weighted provider share of partnerships in Spain, 2010 Provision of GAP insurance by manufacturer brands, operating models and weighted provider share of partnerships in Spain, UNITED KINGDOM Passenger car parc and new / used passenger car sales in the UK, Passenger car parc and new / used passenger car sales in the UK, (data) New car registrations in the UK segmented by manufacturer group, 2009 New / used passenger car finance market in the UK segmented by distribution channel: volumes, New / used passenger car finance market in the UK segmented by distribution channel: values, New / used passenger car finance market in the UK segmented by distribution channel: values and volumes, (data) % of split of automotive finance at the point of sale in the UK by type of finance contract, 2010 Total revenues from consumer automotive insurance, warranty and assistance markets in the UK, 2010 Total revenues from consumer automotive insurance, warranty and assistance contracts in the UK, 2010 (data) % of dealers offering various automotive financial services in the UK, 2010 Average number of various automotive financial services providers used by dealers in the UK, 2010 % of new and used car purchasers contracting various automotive financial services at the point of sale in the UK, 2010 Provision of finance / leasing by dealers, operating models and provider share of non-captive partnerships in the UK, 2010 Provision of motor insurance (one year / long-term) by dealers and operating models in the UK, 2010 Provision of short-term motor insurance by dealers, operating models and provider share of non-captive Provision of road assistance by dealers, operating models and provider share of non-captive partnerships in the UK, 2010 Provision of extended warranties by dealers, operating models and provider share of non-captive Provision of pre-paid service contracts by dealers, operating models and provider share of non-captive Provision of GAP insurance by dealers, operating models and provider share of non-captive partnerships in the UK, 2010 Provision of MOT insurance by dealers, operating models and provider share of non-captive partnerships in the UK, 2010 Provision of scratch, dent and alloy insurance by dealers, operating models and provider share of noncaptive Provision of tyre insurance by dealers, operating models and provider share of non-captive partnerships in the UK, 2010 Comparison of the provision of various automotive financial services by manufacturer brands and dealers in the UK, 2010 Provision of finance / leasing by manufacturer brands, operating models and weighted provider share of Provision of creditor insurance by manufacturer brands, operating models and weighted provider share of Provision of motor insurance (one year / long-term) by manufacturer brands, operating models and weighted provider share of Provision of road assistance by manufacturer brands, operating models and weighed provider share of Provision of extended warranties by manufacturer brands, operating models and weighted provider share of Provision of pre-paid service contracts by manufacturer brands, operating models and weighted provider

17 share of Provision of GAP insurance by manufacturer brands, operating models and weighted provider share of Provision of MOT insurance by manufacturer brands, operating models and weighted provider share of Provision of tyre insurance by manufacturer brands, operating models and weighted provider share of Ordering: Order Online - Order by Fax - using the form below Order by Post - print the order form below and send to Research and Markets, Guinness Centre, Taylors Lane, Dublin 8, Ireland.

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