Mobile Telephone Insurance in Europe

Mobile Telephone Insurance in Europe

Mobile Telephone Insurance in Europe is a report about the market for mobile telephone insurance in 18 countries in Europe: Austria, Belgium, the Czech Republic, Denmark, France, Germany, Hungary, Ireland, Italy, the Netherlands, Norway, Poland, Portugal, Slovakia, Spain, Sweden, Switzerland and the UK. The report draws on extensive primary and secondary research covering 469 organisations involved in the marketing and distribution of mobile telephone contracts and handsets. These include 171 retailers oriented primarily towards online sales and / or home shopping, 160 retailers specialising in the distribution of electrical goods with ‘bricks and mortar’ outlets, 90 mobile network operators (including MVNOs and network operators both with and without retail outlets), and 48 generalist retailers with ‘bricks and mortar’ outlets. A number of factors combine to form a firm rationale for a report and database about mobile telephone insurance in Europe. First and foremost, this is the first ever focused publication on the subject on a pan-European basis. This is curious given not only the substantial volume of data and analysis concerning the underlying markets for the mobile telephone contracts, handsets and services themselves but also the fact that the market for mobile telephone insurance is estimated by Finaccord to have been worth as much as €2.05 billion across 18 European countries in 2008. Indeed, it is known that mobile telephone network operators and other distributors that have developed successful programs for mobile telephone insurance can generate an increasingly significant proportion of their overall profits from the provision of this type of policy. This is important given that the underlying markets for the mobile telephone contracts, handsets and services are generally characterised by both increasing maturity and declining profit margins. Moreover, the research published in this report underlines the fact that mobile telephone insurance in most European countries remains under-developed with extremely low rates of subscriber penetration indicating considerable scope for future expansion. In fact, as it matures, it is possible that the market could triple in size from its current value. Key findings from the executive summary include: the market for mobile telephone insurance in Europe was worth in the region of €2.05 billion in 2008, equivalent to estimated gross premiums written across all mobile customers, both insured and uninsured, of just €3.87; the percentage of network operators and other distributors with their own mobile telephone insurance program is highest in France, Ireland the UK and lowest in the Czech Republic, Hungary and Poland; if the penetration rate reaches 20.0% of subscribers across all 18 countries, which is the maximum that Finaccord considers achievable in the foreseeable future for stand-alone sales, the approximate market size would triple to around €6.15 billion; however, the degree to which the market can triple from its current size to this kind of magnitude is largely dependent upon the degree to which the major distributors of mobile contracts and handsets, most notably the mobile network operators themselves, introduce programs for mobile telephone insurance; as organic growth in mobile telephone revenues tails off, mobile network operators may begin to migrate from the view that mobile telephone insurance is primarily a useful means of enhancing the loyalty of customers to the opinion that it is an increasingly important source of profitability.

Table of Contents
0.0 EXECUTIVE SUMMARY

* The number of mobile subscriptions continues to advance in all countries across Europe
* The value of mobile telephone insurance was slightly in excess of € 2 billion in 2008.....
* ..... with cross-selling rates believed to be highest in the Netherlands and the UK
* In certain countries, mobile network operators have not yet introduced insurance programs
* Most insurance schemes are organised in conjunction with one external underwriter or broker
* Bundling of mobile telephone insurance with banking products is common in France and the UK
* Significant providers are identifiable at both multi-country and national levels
* When mature, the market for mobile telephone insurance could triple from its current value.....
* ..... thereby making a greater contribution to the financial profile of mobile network operators

1.0 INTRODUCTION

* Rationale
* There is considerable scope for future expansion in most European countries
* Finaccord
* PartnerBASE™
* Methodology
* The survey extends to all significant network operators and other distributors of mobile telephones
* Definitions
* The underwriting emphasis of mobile telephone insurance differs from other types of policy

2.0 EUROPEAN OVERVIEW

* Introduction
* Underlying market data
* Mobile telephones
* Mobile telephone subscriptions across the 18 countries reach almost 530 million in 2008.....
* ..... with Italy and Portugal leading the way in terms of mobile subscriptions per capita
* Provision rates for mobile telephone insurance
* All distributors
* Schemes for mobile telephone insurance are most widespread in France, Ireland and the UK
* Mobile network operators
* All mobile network operators in four countries promote mobile telephone insurance
* Other distributors
* Retailers in Poland, the Czech Republic and Hungary are least likely to offer mobile insurance
* Risk coverage of mobile telephone insurance
* Mobile telephone insurance policies in the Netherlands offer the most comprehensive cover
* Operating models for mobile telephone insurance
* Providers adhere to a broad range of operating models for mobile telephone insurance
* Estimated cross-selling rates for mobile telephone insurance
* Cross-selling rates have advanced furthest in the UK but remain below 10% in most countries.....
* ..... which implies considerable apparent scope for future expansion
* Estimated market size for mobile telephone insurance
* The total market was worth in the region of € 2.05 billion in gross premiums written in 2008.....
* ..... although this could triple in value if rates of penetration reach the realistic maximum level
* Gross premiums written per mobile telephone subscriber vary hugely from country to country
* Mobile telephone insurance packaged with banking products
* Packaged mobile telephone insurance is a significant market feature only in France and the UK
* Other distribution channels for mobile telephone insurance
* In the UK, most mobile telephone insurance is sold through mobile network operators or retailers
* Other distribution options are beginning to emerge in a number of European countries

3.0 AUSTRIA

* Introduction
* Underlying market data
* Annual growth in mobile telephone subscriptions is below the average for Europe
* Survey results
* Penetration rates for mobile telephone insurance
* Mobile telephone insurance is reasonably well established in Austria
* Types of cover offered within mobile telephone insurance
* While most policies cover accidental damage and theft, few offer protection for airtime abuse
* Operating models and partners for mobile telephone insurance
* In terms of outright number of relationships, itonia it-insurance & service is the market leader
* Packaging with payment cards and bank accounts
* Packaged mobile telephone insurance is entirely absent from the Austrian market
* Key competitors in mobile telephone insurance
* assona / AXA Versicherung
* itonia it-insurance & service / Generali Versicherung
* Estimated market size and future outlook
* Considerable scope exists to expand the size of the mobile telephone insurance sector in Austria

4.0 BELGIUM

* Introduction
* Underlying market data
* Mobile telephone subscriptions per capita in Belgium passed the 1.00 milestone in 2008
* Survey results
* Penetration rates for mobile telephone insurance
* Two out of three network operators in Belgium have launched mobile telephone insurance
* Types of cover offered within mobile telephone insurance
* The risks of accidental damage and theft are covered in a majority of cases
* Operating models and partners for mobile telephone insurance
* ProAssist accounts for several important relationships in Belgian mobile telephone insurance
* Packaging with payment cards and bank accounts
* Packaged mobile telephone insurance has not yet been introduced to Belgium
* Key competitors in mobile telephone insurance
* Estimated market size and future outlook
* Belgium accounts for a modest share of the Europe-wide market for mobile telephone insurance

5.0 CZECH REPUBLIC

* Introduction
* Underlying market data
* Czech consumers are among Europe' s most enthusiastic subscribers of mobile telephony services
* Survey results
* Penetration rates for mobile telephone insurance
* By May 2009, few organisations had yet introduced mobile telephone insurance
* Types of cover offered within mobile telephone insurance
* The policies identified provide cover only for technical breakdown and accidental damage
* Operating models and partners for mobile telephone insurance
* Only one non-captive insurer is active in mobile telephone insurance in the Czech Republic
* Packaging with payment cards and bank accounts
* The Futuro MasterCard card issued by Essox carries a mobile telephone insurance policy
* Key competitors in mobile telephone insurance
* Estimated market size and future outlook
* In terms of its value per capita, the Czech market is likely to be the least developed in Europe

6.0 DENMARK

* Introduction
* Underlying market data
* The annual growth rate for mobile telephone subscriptions is below the European average
* Survey results
* Penetration rates for mobile telephone insurance
* Mobile telephone insurance is becoming increasingly familiar in Denmark
* Types of cover offered within mobile telephone insurance
* Cover for the risks of theft and airtime abuse is usually excluded from mobile telephone insurance
* Operating models and partners for mobile telephone insurance
* Four non-captive providers have operations in mobile telephone insurance in Denmark
* Packaging with payment cards and bank accounts
* Danske Bank' s Mobil MasterCard product carries a mobile telephone insurance policy
* Key competitors in mobile telephone insurance
* Estimated market size and future outlook
* In terms of its value per capita, the Danish market is the least developed of the Nordic trio

7.0 FRANCE

* Introduction
* Underlying market data
* Unusually, mobile telephone subscriptions per capita in France remain below the 1.00 threshold
* Survey results
* Penetration rates for mobile telephone insurance
* Mobile telephone insurance is promoted by all network operators and most distributors in France
* Types of cover offered within mobile telephone insurance
* While most policies cover accidental damage and theft, few offer protection for airtime abuse
* Operating models and partners for mobile telephone insurance
* SPB and Gras Savoye are the leading protagonists in mobile telephone insurance in France
* Packaging with payment cards and bank accounts
* Mobile telephone cover is quite commonly included within card protection insurance in France
* Key competitors in mobile telephone insurance
* APRIL / Axeria IARD
* Covea Fleet
* Finaref Assurances
* GAN Eurocourtage
* Gras Savoye
* SPB / D&P Affinity
* Estimated market size and future outlook
* Given current penetration levels, there is still reasonable scope for market growth in France

8.0 GERMANY

* Introduction
* Underlying market data
* Mobile telephone subscriptions per capita in Germany are the fourth highest in Europe
* Survey results
* Penetration rates for mobile telephone insurance
* German consumers are increasingly targeted with mobile telephone insurance offerings
* Types of cover offered within mobile telephone insurance
* Most policies in Germany include cover for technical breakdown, accidental damage and theft
* Operating models and partners for mobile telephone insurance
* A variety of providers compete for mandates in mobile telephone insurance in Germany
* Packaging with payment cards and bank accounts
* Packaged cover within banking products is a relatively limited feature of the German market
* Key competitors in mobile telephone insurance
* Inter Assurance
* KarstadtQuelle Versicherungen
* Wertgarantie
* Estimated market size and future outlook
* Given its large population, the market value of mobile telephone insurance in Germany is low

9.0 HUNGARY

* Introduction
* Underlying market data
* Mobile telephone subscriptions per capita reached 1.00 in 2006 but continue to grow steadily
* Survey results
* Penetration rates for mobile telephone insurance
* Mobile telephone insurance has made little headway thus far in Hungary
* Types of cover offered within mobile telephone insurance
* Accidental damage is covered by both mobile telephone insurance policies identified in Hungary
* Operating models and partners for mobile telephone insurance
* Both programs identified are organised in conjunction with a single, external underwriter
* Packaging with payment cards and bank accounts
* The Extra Visa card offered by Allianz Bank includes free mobile telephone insurance
* Key competitors in mobile telephone insurance
* Hyper Project / AIM Altalanos Biztosito
* Estimated market size and future outlook
* Mobile telephone insurance in Hungary remains at an embryonic stage of development

10.0 IRELAND

* Introduction
* Underlying market data
* Growth in mobile telephone subscriptions slowed quite markedly in 2007 and 2008
* Survey results
* Penetration rates for mobile telephone insurance
* Mobile telephone insurance is commonly marketed in Ireland
* Types of cover offered within mobile telephone insurance
* While most policies cover accidental damage and theft, few offer protection for airtime abuse
* Operating models and partners for mobile telephone insurance
* Most providers of mobile telephone insurance in Ireland possess one distribution mandate each
* Packaging with payment cards and bank accounts
* Ulster Bank' s ufirst packaged account incorporates mobile telephone insurance
* Key competitors in mobile telephone insurance
* mtis / New Technology Insurance
* Estimated market size and future outlook
* In relative terms, Ireland' s market for mobile telephone insurance is fairly developed

11.0 ITALY

* Introduction
* Underlying market data
* Mobile telephone subscriptions per capita in Italy are unmatched elsewhere in Europe
* Survey results
* Penetration rates for mobile telephone insurance
* Growing efforts are being made to sell mobile telephone insurance to Italian consumers
* Types of cover offered within mobile telephone insurance
* Very few policies offer cover over and above protection in the event of technical breakdown
* Operating models and partners for mobile telephone insurance
* Several major organisations have organised mobile telephone insurance on a captive basis
* Packaging with payment cards and bank accounts
* Banks and other card issuers have yet to integrate mobile telephone cover with their products
* Key competitors in mobile telephone insurance
* Estendo
* Garanzia 3
* Estimated market size and future outlook
* Italy is ranked 12th out of 18 countries in terms of gross premiums written per mobile subscription

12.0 NETHERLANDS

* Introduction
* Underlying market data
* Mobile subscriptions per capita in the Netherlands have reached a similar level to the UK
* Survey results
* Penetration rates for mobile telephone insurance
* Mobile telephone insurance is a universal offering on the part of Dutch network operators
* Types of cover offered within mobile telephone insurance
* Most mobile telephone insurance policies in the Netherlands offer comprehensive cover
* Operating models and partners for mobile telephone insurance
* A variety of operating models for mobile telephone insurance are visible in the Netherlands
* Packaging with payment cards and bank accounts
* Packaging with payment cards and bank accounts is not a feature of the Dutch market
* Key competitors in mobile telephone insurance
* Actua
* Conner & Davis
* ProAssist
* Estimated market size and future outlook
* The Netherlands is one of Europe' s most developed markets for mobile telephone insurance

13.0 NORWAY

* Introduction
* Underlying market data
* The annual growth rate for mobile telephone subscriptions is well below the European average
* Survey results
* Penetration rates for mobile telephone insurance
* Norwegian consumers are increasingly familiar with mobile telephone insurance
* Types of cover offered within mobile telephone insurance
* Cover for accidental damage is a universal feature of mobile telephone insurance in Norway
* Operating models and partners for mobile telephone insurance
* Five underwriters and one broker are active in Norway' s market for mobile telephone insurance
* Packaging with payment cards and bank accounts
* Packaged mobile telephone insurance is entirely absent from the Norwegian market
* Key competitors in mobile telephone insurance
* AmTrust International Underwriters
* Gjensidige Forsikring
* Tennant Forsikring
* Estimated market size and future outlook
* The penetration rate among mobile subscribers in Norway can be increased further

14.0 POLAND

* Introduction
* Underlying market data
* Poland displays the highest growth rate for mobile subscriptions between 2004 and 2008
* Survey results
* Penetration rates for mobile telephone insurance
* Mobile telephone insurance is at a very early stage of development in Poland
* Types of cover offered within mobile telephone insurance
* Protection in the event of theft is a universal feature of mobile telephone insurance in Poland
* Operating models and partners for mobile telephone insurance
* ACE European Group, Compensa and Warta have each entered the market as underwriters
* Packaging with payment cards and bank accounts
* Bank Pekao' s Platinum MasterCard product carries mobile telephone insurance
* Key competitors in mobile telephone insurance
* Compensa
* ERGO Hestia
* Estimated market size and future outlook
* Poland' s market has advanced further than those of the Czech Republic, Hungary and Slovakia

15.0 PORTUGAL

* Introduction
* Underlying market data
* The enthusiasm of Portugal' s consumers for mobile telephones is second only to Italy in Europe
* Survey results
* Penetration rates for mobile telephone insurance
* While ignored by network operators, several other distributors offer mobile telephone insurance
* Types of cover offered within mobile telephone insurance
* Cover for the risks of accidental damage and theft is provided in all policies identified
* Operating models and partners for mobile telephone insurance
* Several providers are pushing for the development of mobile telephone insurance in Portugal
* Packaging with payment cards and bank accounts
* Citibank has incorporated mobile telephone insurance with several of its payment cards
* Key competitors in mobile telephone insurance
* CAReS
* MDS
* Estimated market size and future outlook
* There is ample scope for expansion in Portugal' s mobile telephone insurance market

16.0 SLOVAKIA

* Introduction
* Underlying market data
* Slovakia is one of only two markets in which mobile subscriptions per capita remain below 1.00
* Survey results
* Penetration rates for mobile telephone insurance
* As in Portugal, by May 2009 only a handful of retailers had launched mobile telephone insurance
* Types of cover offered within mobile telephone insurance
* Cover is restricted to protection in the event of technical breakdown and / or accidental damage
* Operating models and partners for mobile telephone insurance
* Cardif has entered the Slovakian market by means of a relationship with NAY Elektrodom
* Packaging with payment cards and bank accounts
* No examples of mobile telephone insurance packaged with bank accounts yet exist in Slovakia
* Key competitors in mobile telephone insurance
* Cardif
* Estimated market size and future outlook
* By outright size, Slovakia' s market is likely to be the smallest of the 18 investigated in Europe

17.0 SPAIN

* Introduction
* Underlying market data
* Growth in mobile telephone subscriptions in Spain leveled off in 2007 and 2008
* Survey results
* Penetration rates for mobile telephone insurance
* Mobile telephone insurance is being introduced on a gradual basis to Spanish consumers
* Types of cover offered within mobile telephone insurance
* Mobile telephone insurance policies in Spain tend to offer partial rather than comprehensive cover
* Operating models and partners for mobile telephone insurance
* SPB has created several important relationships for mobile telephone insurance in Spain
* Packaging with payment cards and bank accounts
* Two banks in Spain have packaged mobile telephone insurance with payment cards
* Key competitors in mobile telephone insurance
* Estimated market size and future outlook
* Spain' s market for mobile telephone insurance is still at a fairly early stage of development

18.0 SWEDEN

* Introduction
* Underlying market data
* Annual growth in mobile telephone subscriptions is significantly below the European average
* Survey results
* Penetration rates for mobile telephone insurance
* Three of Sweden' s five network operators have rolled out mobile telephone insurance
* Types of cover offered within mobile telephone insurance
* The focus of most policies lies on cover for technical breakdown and accidental damage
* Operating models and partners for mobile telephone insurance
* In terms of outright number of relationships, SOLID Forsakring is the market leader.....
* ..... although valuable relationships are held by a variety of other insurance providers
* Packaging with payment cards and bank accounts
* Packaged mobile telephone insurance has not yet been introduced to Swedish consumers
* Key competitors in mobile telephone insurance
* Moderna Forsakringar
* SOLID Forsakring
* White Label Insurance
* Estimated market size and future outlook
* There remains reasonable scope for growth in mobile telephone insurance in Sweden

19.0 SWITZERLAND

* Introduction
* Underlying market data
* Mobile telephone subscriptions per capita are somewhat below the European average
* Survey results
* Penetration rates for mobile telephone insurance
* Distributor rates of provision for mobile telephone insurance are comparatively low
* Types of cover offered within mobile telephone insurance
* Cover for technical breakdown, accidental damage and theft is provided in all cases
* Operating models and partners for mobile telephone insurance
* The relationships of Orange with two insurers also extend to a pair of associated MVNOs
* Packaging with payment cards and bank accounts
* Thus far, Switzerland' s banks have eschewed the idea of packaged mobile telephone insurance
* Key competitors in mobile telephone insurance
* Estimated market size and future outlook
* Relative to the country' s wealth, mobile telephone insurance in Switzerland is not a large market

20.0 UNITED KINGDOM

* Introduction
* Underlying market data
* Mobile telephone subscriptions per capita in the UK lie at the same level as the Netherlands
* Survey results
* Penetration rates for mobile telephone insurance
* All network operators and a clear majority of other distributors sell mobile telephone insurance
* Types of cover offered within mobile telephone insurance
* Only a minority of mobile telephone insurance policies in the UK cover airtime abuse
* Operating models and partners for mobile telephone insurance
* Europe' s largest market for mobile telephone insurance hosts numerous competitors.....
* ..... some of which have built up a portfolio of relationships.....
* ..... with others apparently sustained by just one major partnership in this field
* Packaging with payment cards and bank accounts
* Mobile telephone insurance is a key aspect of the battle in the packaged account market
* Key competitors in mobile telephone insurance
* Allianz Schemes
* Assurant Solutions
* CPP / Homecare Insurance
* Domestic & General
* DSG International
* Lifestyle Services Group
* mtis / New Technology Insurance
* The Warranty Group / London General Insurance
* Estimated market size and future outlook
* Future growth is as likely to accrue from more costly policies as from more insured customers

GRAPHICS / TABLES

* Organisations covered by the research in segmented by type and by country
* Volume of mobile telephone subscriptions in Europe, 2004-8
* Volume of mobile telephone subscriptions in Europe, 2004-8 (data)
* Volume of mobile telephone subscriptions per capita in Europe, 2004-8
* Volume of mobile telephone subscriptions per capita in Europe, 2004-8 (data)
* % of all distributors of mobile telephone contracts and handsets in Europe offering mobile telephone insurance, 2009
* % of mobile network operators in Europe offering mobile telephone insurance, 2009
* % of other distributors of mobile telephone contracts and handsets in Europe offering mobile telephone insurance, 2009
* % of mobile telephone insurance policies in Europe incorporating cover for each of five principal risks, 2009
* % of mobile telephone insurance policies in Europe incorporating cover for each of five principal risks, 2009 (data)
* Operating models used for mobile telephone insurance by all active distributors of mobile telephone contracts and handsets in Europe, 2009
* Operating models used for mobile telephone insurance by all active distributors of mobile telephone contracts and handsets in Europe, 2009 (data)
* Estimated cross-selling rates for mobile telephone insurance in Europe, 2009
* Estimated value of the market for mobile telephone insurance in Europe split by country, 2008
* Estimated value of the market for mobile telephone insurance in Europe split by country, 2008 (data)
* Estimated value per subscriber of the market for mobile telephone insurance in Europe split by country, 2008
* Banking product penetration rates for mobile telephone insurance in Europe, segmented by country, 2009
* Independent providers of mobile telephone insurance in Europe: intermediaries, web sites and underwriters, 2009
* Mobile telephone subscriptions and mobile telephone subscriptions per capita in Austria, 2004-8
* Penetration rates for mobile telephone insurance offered by network operators and other distributors in Austria, 2009
* Types of cover included within mobile telephone insurance in Austria, 2009
* Operating models and partner market shares for mobile telephone insurance in Austria, 2009
* Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Austria, 2009
* Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Austria, 2008
* Mobile telephone subscriptions and mobile telephone subscriptions per capita in Belgium, 2004-8
* Penetration rates for mobile telephone insurance offered by network operators and other distributors in Belgium, 2009
* Types of cover included within mobile telephone insurance in Belgium, 2009
* Operating models and partner market shares for mobile telephone insurance in Belgium, 2009
* Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Belgium, 2009
* Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Belgium, 2008
* Mobile telephone subscriptions and mobile telephone subscriptions per capita in the Czech Republic, 2004-8
* Penetration rates for mobile telephone insurance offered by network operators and other distributors in the Czech Republic, 2009
* Types of cover included within mobile telephone insurance in the Czech Republic, 2009
* Operating models and partner market shares for mobile telephone insurance in the Czech Republic, 2009
* Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in the Czech Republic, 2009
* Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in the Czech Republic, 2008
* Mobile telephone subscriptions and mobile telephone subscriptions per capita in Denmark, 2004-8
* Penetration rates for mobile telephone insurance offered by network operators and other distributors in Denmark, 2009
* Types of cover included within mobile telephone insurance in Denmark, 2009
* Operating models and partner market shares for mobile telephone insurance in Denmark, 2009
* Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Denmark, 2009
* Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Denmark, 2008
* Mobile telephone subscriptions and mobile telephone subscriptions per capita in France, 2004-8
* Penetration rates for mobile telephone insurance offered by network operators and other distributors in France, 2009
* Types of cover included within mobile telephone insurance in France, 2009
* Operating models and partner market shares for mobile telephone insurance in France, 2009
* Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in France, 2009
* Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in France, 2008
* Mobile telephone subscriptions and mobile telephone subscriptions per capita in Germany, 2004-8
* Penetration rates for mobile telephone insurance offered by network operators and other distributors in Germany, 2009
* Types of cover included within mobile telephone insurance in Germany, 2009
* Operating models and partner market shares for mobile telephone insurance in Germany, 2009
* Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Germany, 2009
* Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Germany, 2008
* Mobile telephone subscriptions and mobile telephone subscriptions per capita in Hungary, 2004-8
* Penetration rates for mobile telephone insurance offered by network operators and other distributors in Hungary, 2009
* Types of cover included within mobile telephone insurance in Hungary, 2009
* Operating models and partner market shares for mobile telephone insurance in Hungary, 2009
* Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Hungary, 2009
* Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Hungary, 2008
* Mobile telephone subscriptions and mobile telephone subscriptions per capita in Ireland, 2004-8
* Penetration rates for mobile telephone insurance offered by network operators and other distributors in Ireland, 2009
* Types of cover included within mobile telephone insurance in Ireland, 2009
* Operating models and partner market shares for mobile telephone insurance in Ireland, 2009
* Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Ireland, 2009
* Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Ireland, 2008
* Introduction
* Mobile telephone subscriptions and mobile telephone subscriptions per capita in Italy, 2004-8
* Penetration rates for mobile telephone insurance offered by network operators and other distributors in Italy, 2009
* Types of cover included within mobile telephone insurance in Italy, 2009
* Operating models and partner market shares for mobile telephone insurance in Italy, 2009
* Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in Italy, 2009
* Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in Italy, 2008
* Mobile telephone subscriptions and mobile telephone subscriptions per capita in the Netherlands, 2004-8
* Penetration rates for mobile telephone insurance offered by network operators and other distributors in the Netherlands, 2009
* Types of cover included within mobile telephone insurance in the Netherlands, 2009
* Operating models and partner market shares for mobile telephone insurance in the Netherlands, 2009
* Percentage of payment cards and bank accounts with packaged mobile telephone insurance cover in the Netherlands, 2009
* Estimated market size in terms of gross premiums written outright and per subscriber, for mobile telephone insurance in the Netherlands, 2008
* Mobile telephone subscriptions and mobile telephone subscriptions per capita in Norway, 2004-8
* Penetration rates for mobile telephone insurance offere