Based on a survey of over 6,000 consumers in France, Germany, Italy, Poland, Spain and the UK, Creditor Metrics: Consumer Approaches to Payment Protection Insurance in Europe offers detailed and unique insights into the behaviour of consumers in the context of payment protection insurance.
Comprising both an analytical report and a convenient data annexe in Excel format, the research covers four types of creditor policy: insurance cross-sold in conjunction with mortgages; policies cross-sold with consumer finance and personal loans; cover linked to credit cards; and bill payment protection insurance. It measures take-up rates against the relevant audience (i.e. those with the underlying lending products in the first three cases and all respondents in the fourth) and also shows the distribution channels and interfaces used by respondents in the six countries to take out creditor policies. Distribution channels vary by type of creditor insurance but can include the bank or other institution making the underlying loan plus a variety of other options; distribution interfaces include face-to-face, online, inbound telephone, outbound telephone and postal sales.
Finally, the reports analyse claims frequency; for each country, this analysis is for all types of creditor insurance combined broken out by reason for claim while for the six countries combined, a separate analysis is also given for each of the four types of creditor insurance researched.
Key features of this report include:
- unique analyses showing penetration rates across eligible respondents for creditor insurance in each country, and how these percentages vary according to the profile of the respondent;
- data describing the percentage of insured respondents who believe that they hold cover for each of the six main risks, namely death, permanent disability, critical illness, temporary incapacity, unemployment and carer time;
- robust statistics illustrating the ways in which payment protection insurance policies are acquired in each country, including sales by the banks and other institutions making the underlying loans plus alternative channels such as direct sales by insurance companies and sales by financial advisers;
- reliable information concerning the importance of online and offline sales for this type of cover, including a unique split of online sales by type of device used (i.e. regular desktop or laptop computers, tablets or mobile phones);
- valuable insights into claims frequency for creditor insurance, segmented by country and by reason for making the claim.
Global Credit Card Industry
Table of Contents
Executive Summary
Introduction
European overview
• France
• Germany
• Italy
• Poland
• Spain
• United Kingdom
Appendix
LIST OF GRAPHICS / TABLES
0.0 EXECUTIVE SUMMARY
Across all creditor insurance products, mortgage-related creditor insurance has the highest take-up rate
Creditor insurance linked to mortgages: French and Spanish consumers are most likely to acquire cover
Creditor insurance linked to consumer finance: uptake is highest in Poland and lowest in the UK
Creditor insurance linked to credit cards: the average take-up rate across all six countries is 16.3%
Bill payment protection insurance: Germany displays the highest take-up rate
Claims frequency and acceptance: respondents claim most frequently on bill payment protection policies
1.0 INTRODUCTION
What is this report about?
Rationale
Definitions
European consumer research
Other international research reports
2.0 EUROPEAN OVERVIEW
Introduction
Survey and sample structure
Overview of take-up rates for different types of creditor insurance
Creditor insurance linked to mortgages
Uptake of mortgages
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to mortgages
Uptake among all and eligible respondents
Segmentation by type of cover held
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to mortgages
Distribution channels used for creditor insurance linked to mortgages
Distribution interfaces used for creditor insurance linked to mortgages
Risk coverage
Risk coverage of creditor insurance linked to mortgages
Creditor insurance linked to consumer finance
Uptake of consumer finance
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to consumer finance
Uptake among all and eligible respondents
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to consumer finance
Distribution channels used for creditor insurance linked to consumer finance
Distribution interfaces used for creditor insurance linked to consumer finance
Risk coverage
Risk coverage of creditor insurance linked to consumer finance
Creditor insurance linked to credit cards
Uptake of credit cards
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to credit cards
Uptake among all and eligible respondents
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to credit cards
Distribution channels used for creditor insurance linked to credit cards
Distribution interfaces used for creditor insurance linked to credit cards
Risk coverage
Risk coverage of creditor insurance linked to credit cards
Bill payment protection insurance
Uptake of bill payment protection insurance
Uptake among all respondents
Segmentation by age group
Segmentation by annual household income band
Distribution of bill payment protection insurance
Distribution channels used for bill payment protection insurance
Distribution interfaces used for bill payment protection insurance
Claims for all types of creditor insurance
Frequency of and reasons for creditor insurance claims
Claims acceptance rates segmented by reason for claim
Claims frequency segmented by type of creditor insurance policy
Claims acceptance rates by type of creditor insurance policy
3.0 FRANCE
Introduction
Survey and sample structure
Uptake overview for different types of creditor insurance
Creditor insurance linked to mortgages
Uptake of mortgages
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to mortgages
Segmentation by type of cover held
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to mortgages
Distribution channels used for creditor insurance linked to mortgages
Distribution interfaces used for creditor insurance linked to mortgages
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to mortgages
Creditor insurance linked to consumer finance
Uptake of consumer finance
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to consumer finance
Uptake of cover
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to consumer finance
Distribution channels used for creditor insurance linked to consumer finance
Distribution interfaces used for creditor insurance linked to consumer finance
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to consumer finance
Creditor insurance linked to credit cards
Uptake of credit cards
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to credit cards
Uptake of cover
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to credit cards
Distribution channels used for creditor insurance linked to credit cards
Distribution interfaces used for creditor insurance linked to credit cards
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to credit cards
Bill payment protection insurance
Uptake of bill payment protection insurance
Uptake of cover
Segmentation by age group
Segmentation by annual household income band
Distribution of bill payment protection insurance
Distribution channels used for bill payment protection insurance
Distribution interfaces used for bill payment protection insurance
Cross-tabulation of distribution channels and interfaces
Claims for all types of creditor insurance
Frequency of and reasons for creditor insurance claims
Claims acceptance rates segmented by reason for claim
Research sample statistics
4.0 GERMANY
Introduction
Survey and sample structure
Uptake overview for different types of creditor insurance
Creditor insurance linked to mortgages
Uptake of mortgages
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to mortgages
Segmentation by type of cover held
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to mortgages
Distribution channels used for creditor insurance linked to mortgages
Distribution interfaces used for creditor insurance linked to mortgages
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to mortgages
Creditor insurance linked to consumer finance
Uptake of consumer finance
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to consumer finance
Uptake of cover
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to consumer finance
Distribution channels used for creditor insurance linked to consumer finance
Distribution interfaces used for creditor insurance linked to consumer finance
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to consumer finance
Creditor insurance linked to credit cards
Uptake of credit cards
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to credit cards
Uptake of cover
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to credit cards
Distribution channels used for creditor insurance linked to credit cards
Distribution interfaces used for creditor insurance linked to credit cards
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to credit cards
Bill payment protection insurance
Uptake of bill payment protection insurance
Uptake of cover
Segmentation by age group
Segmentation by annual household income band
Distribution of bill payment protection insurance
Distribution channels used for bill payment protection insurance
Distribution interfaces used for bill payment protection insurance
Cross-tabulation of distribution channels and interfaces
Claims for all types of creditor insurance
Frequency of and reasons for creditor insurance claims
Claims acceptance rates segmented by reason for claim
Research sample statistics
5.0 ITALY
Introduction
Survey and sample structure
Uptake overview for different types of creditor insurance
Creditor insurance linked to mortgages
Uptake of mortgages
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to mortgages
Segmentation by type of cover held
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to mortgages
Distribution channels used for creditor insurance linked to mortgages
Distribution interfaces used for creditor insurance linked to mortgages
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to mortgages
Creditor insurance linked to consumer finance
Uptake of consumer finance
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to consumer finance
Uptake of cover
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to consumer finance
Distribution channels used for creditor insurance linked to consumer finance
Distribution interfaces used for creditor insurance linked to consumer finance
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to consumer finance
Creditor insurance linked to credit cards
Uptake of credit cards
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to credit cards
Uptake of cover
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to credit cards
Distribution channels used for creditor insurance linked to credit cards
Distribution interfaces used for creditor insurance linked to credit cards
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to credit cards
Bill payment protection insurance
Uptake of bill payment protection insurance
Uptake of cover
Distribution of bill payment protection insurance
Distribution channels used for bill payment protection insurance
Distribution interfaces used for bill payment protection insurance
Cross-tabulation of distribution channels and interfaces
Claims for all types of creditor insurance
Frequency of and reasons for creditor insurance claims
Claims acceptance rates segmented by reason for claim
Research sample statistics
6.0 POLAND
Introduction
Survey and sample structure
Uptake overview for different types of creditor insurance
Creditor insurance linked to mortgages
Uptake of mortgages
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to mortgages
Segmentation by type of cover held
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to mortgages
Distribution channels used for creditor insurance linked to mortgages
Distribution interfaces used for creditor insurance linked to mortgages
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to mortgages
Creditor insurance linked to consumer finance
Uptake of consumer finance
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to consumer finance
Uptake of cover
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to consumer finance
Distribution channels used for creditor insurance linked to consumer finance
Distribution interfaces used for creditor insurance linked to consumer finance
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to consumer finance
Creditor insurance linked to credit cards
Uptake of credit cards
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to credit cards
Uptake of cover
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to credit cards
Distribution channels used for creditor insurance linked to credit cards
Distribution interfaces used for creditor insurance linked to credit cards
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to credit cards
Bill payment protection insurance
Uptake of bill payment protection insurance
Uptake of cover
Segmentation by age group
Segmentation by annual household income band
Distribution of bill payment protection insurance
Distribution channels used for bill payment protection insurance
Distribution interfaces used for bill payment protection insurance
Cross-tabulation of distribution channels and interfaces
Claims for all types of creditor insurance
Frequency of and reasons for creditor insurance claims
Claims acceptance rates segmented by reason for claim
Research sample statistics
7.0 SPAIN
Introduction
Survey and sample structure
Uptake overview for different types of creditor insurance
Creditor insurance linked to mortgages
Uptake of mortgages
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to mortgages
Segmentation by type of cover held
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to mortgages
Distribution channels used for creditor insurance linked to mortgages
Distribution interfaces used for creditor insurance linked to mortgages
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to mortgages
Creditor insurance linked to consumer finance
Uptake of consumer finance
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to consumer finance
Uptake of cover
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to consumer finance
Distribution channels used for creditor insurance linked to consumer finance
Distribution interfaces used for creditor insurance linked to consumer finance
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to consumer finance
Creditor insurance linked to credit cards
Uptake of credit cards
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to credit cards
Uptake of cover
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to credit cards
Distribution channels used for creditor insurance linked to credit cards
Distribution interfaces used for creditor insurance linked to credit cards
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to credit cards
Bill payment protection insurance
Uptake of bill payment protection insurance
Uptake of cover
Segmentation by age group
Segmentation by annual household income band
Distribution of bill payment protection insurance
Distribution channels used for bill payment protection insurance
Distribution interfaces used for bill payment protection insurance
Cross-tabulation of distribution channels and interfaces
Claims for all types of creditor insurance
Frequency of and reasons for creditor insurance claims
Claims acceptance rates segmented by reason for claim
Research sample statistics
8.0 UK
Survey and sample structure
Uptake overview for different types of creditor insurance
Creditor insurance linked to mortgages
Uptake of mortgages
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to mortgages
Segmentation by type of cover held
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to mortgages
Distribution channels used for creditor insurance linked to mortgages
Distribution interfaces used for creditor insurance linked to mortgages
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to mortgages
Creditor insurance linked to consumer finance
Uptake of consumer finance
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to consumer finance
Uptake of cover
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to consumer finance
Distributibution channels used for creditor insurance linked to consumer finance
Distribution interfaces used for creditor insurance linked to consumer finance
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to consumer finance
Creditor insurance linked to credit cards
Uptake of credit cards
Segmentation by age group and annual household income band
Uptake of creditor insurance linked to credit cards
Uptake of cover
Segmentation by age group
Segmentation by annual household income band
Distribution of creditor insurance linked to credit cards
Distribution channels used for creditor insurance linked to credit cards
Distribution interfaces used for creditor insurance linked to credit cards
Cross-tabulation of distribution channels and interfaces
Risk coverage
Risk coverage of creditor insurance linked to credit cards
Bill payment protection insurance
Uptake of bill payment protection insurance
Uptake of cover
Segmentation by age group
Segmentation by annual household income band
Distribution of bill payment protection insurance
Distribution channels used for bill payment protection insurance
Distribution interfaces used for bill payment protection insurance
Cross-tabulation of distribution channels and interfaces
Claims for all types of creditor insurance
Frequency of and reasons for creditor insurance claims
Claims acceptance rates segmented by reason for claim
Research sample statistics
9.0 APPENDIX
Research sample statistics
Research structure
LIST OF GRAPHICS / TABLES
0.0 EXECUTIVE SUMMARY
Proportion of all and eligible respondents covered by creditor insurance: six European countries, 2012 (table)
1.0 INTRODUCTION
2.0 EUROPEAN OVERVIEW
Survey sample, segmented by age group: six European countries, 2012
Survey sample, segmented by household income: six European countries, 2012
Survey sample, segmented by age group and by household income: six European countries, 2012 (table)
Proportion of all respondents covered by different types creditor insurance: six European countries, 2012
Proportion of all eligible respondents covered by different types creditor insurance: six European countries, 2012
Respondents with a mortgage, segmented by age group: six European countries, 2012
Respondents with a mortgage, segmented by household income: six European countries, 2012
Proportion of all and eligible respondents covered by creditor insurance linked to mortgages: six European countries, 2012
Proportion of respondents with a mortgage covered by related creditor insurance, segmented by type of cover: six European countries, 2012
Proportion of respondents with a mortgage covered by related creditor insurance, segmented by type of cover: six European countries, 2012 (table)
Proportion of respondents with a mortgage covered by related creditor insurance, segmented by age group: six European countries, 2012
Proportion of respondents with a mortgage covered by related creditor insurance, segmented by household income: six European countries, 2012
Distribution channels used for creditor insurance linked to mortgages: six European countries, 2012
Distribution channels used for creditor insurance linked to mortgages: six European countries, 2012 (table)
Distribution interfaces used for creditor insurance linked to mortgages: six European countries, 2012
Distribution interfaces used for creditor insurance linked to mortgages: six European countries, 2012 (table)
Penetration of risk coverage for creditor insurance linked to mortgages: six European countries, 2012 (table)
Penetration of risk coverage for creditor insurance linked to mortgages across six European countries, 2012
Respondents with consumer finance, segmented by age group: six European countries, 2012
Respondents with consumer finance, segmented by household income: six European countries, 2012
Proportion of all and eligible respondents covered by creditor insurance linked to consumer finance: six European countries, 2012
Proportion of respondents with consumer finance covered by related creditor insurance: six European countries, 2012
Proportion of respondents with consumer finance covered by related creditor insurance: six European countries, 2012 (table)
Proportion of respondents with consumer finance covered by related creditor insurance, segmented by age group: six European countries, 2012
Proportion of respondents with consumer finance covered by related creditor insurance, segmented by household income: six European countries, 2012
Distribution channels used for creditor insurance linked to consumer finance: six European countries, 2012
Distribution channels used for creditor insurance linked to consumer finance: six European countries, 2012 (table)
Distribution interfaces used for creditor insurance linked to consumer finance: six European countries, 2012
Distribution interfaces used for creditor insurance linked to consumer finance: six European countries, 2012 (table)
Penetration of risk coverage for creditor insurance linked to consumer finance: six European countries, 2012 (table)
Penetration of risk coverage for creditor insurance linked to consumer finance across six European countries, 2012
Respondents with a credit card, segmented by age group: six European countries, 2012
Respondents with a credit card, segmented by household income: six European countries, 2012
Proportion of all and eligible respondents covered by creditor insurance linked to credit cards: six European countries, 2012
Proportion of respondents with a credit card covered by related creditor insurance, segmented by type of cover: six European countries, 2012
Proportion of respondents with a credit card covered by related creditor insurance, segmented by type of cover: six European countries, 2012 (table)
Proportion of respondents with a credit card covered by related creditor insurance, segmented by age group: six European countries, 2012
Proportion of respondents with a credit card covered by related creditor insurance, segmented by household income: six European countries, 2012 (table)
Distribution channels used for creditor insurance linked to credit cards: six European countries, 2012
Distribution channels used for creditor insurance linked to credit cards: six European countries, 2012 (table)
Distribution interfaces used for creditor insurance linked to credit cards: six European countries, 2012
Distribution interfaces used for creditor insurance linked to credit cards: six European countries, 2012 (table)
Penetration of risk coverage for creditor insurance linked to credit cards: six European countries, 2012 (table)
Penetration of risk coverage for creditor insurance linked to credit cards across six European countries, 2012
Proportion of all respondents covered by bill payment protection insurance: six European countries, 2012
Proportion of respondents covered by bill payment protection insurance: six European countries, 2012
Proportion of respondents covered by bill payment protection insurance: six European countries, 2012 (table)
Proportion of respondents covered by bill payment protection insurance, segmented by age group: six European countries, 2012
Proportion of respondents covered by bill payment protection insurance, segmented by household income: six European countries, 2012
Distribution channels used for bill payment protection insurance: six European countries, 2012
Distribution channels used for bill payment protection insurance: six European countries, 2012 (table)
Distribution interfaces used for bill payment protection insurance: six European countries, 2012
Distribution interfaces used for bill payment protection insurance: six European countries, 2012 (table)
Claims frequency by reason for claim across all types of creditor insurance: six European countries, 2012
Claims acceptance by reason for claim across all types of creditor insurance: six European countries, 2012
Claims frequency by type of creditor insurance policy across six European countries, 2012
Claims acceptance by types of creditor insurance policy across six European countries, 2012
3.0 FRANCE
French survey sample, segmented by age and annual household income
Proportion of all respondents and of eligible respondents covered by different types of creditor insurance in France, 2012
Respondents with a mortgage in France, segmented by age and by annual household income, 2012
Proportion of respondents with a mortgage in France covered by related creditor insurance, segmented by type of cover, 2012
Proportion of respondents with a mortgage in France covered by related creditor insurance, segmented by age, 2012
Proportion of respondents with a mortgage in France covered by related creditor insurance, segmented by annual household income, 2012
Distribution channels used for creditor insurance linked to mortgages in France, 2012
Distribution interfaces used for creditor insurance linked to mortgages in France, 2012
Cross-tabulation of distribution channels and interfaces used for creditor insurance linked to mortgages in France, 2012
Penetration of risk coverage for creditor insurance linked to mortgages in France, 2012
Respondents with consumer finance in France, segmented by age and by annual household income, 2012
Proportion of respondents with consumer finance in France covered by related creditor insurance, 2012
Proportion of respondents with consumer finance in France covered by related creditor insurance, segmented by age, 2012
Proportion of respondents with consumer finance in France with related creditor insurance, segmented by annual household income, 2012
Distribution channels used for creditor insurance linked to consumer finance in France, 2012
Distribution interfaces used for creditor insurance linked to consumer finance in France, 2012
Cross-tabulation of distribution channels and interfaces used for creditor insurance linked to consumer finance in France, 2012
Penetration of risk coverage for creditor insurance linked to consumer finance in France, 2012
Respondents with a credit card in France, segmented by age and by annual household income, 2012
Proportion of respondents with credit cards covered by related creditor insurance in France, 2012
Proportion of respondents with credit cards in France covered by related creditor insurance, segmented by age, 2012
Proportion of respondents with credit cards in France covered by related creditor insurance, segmented by annual household income, 2012
Distribution channels used for creditor insurance linked to credit cards in France, 2012
Distribution interfaces used for creditor insurance linked to credit cards in France, 2012
Cross-tabulation of distribution channels and interfaces used for creditor insurance linked to credit cards in France, 2012
Penetration of risk coverage for creditor insurance linked to credit cards in France, 2012
Proportion of respondents covered by bill payment protection insurance in France, 2012
Proportion of respondents covered by bill payment protection insurance in France, segmented by age, 2012
Proportion of respondents covered by bill payment protection insurance in France, segmented by annual household income, 2012
Distribution channels used for bill payment protection insurance in France, 2012
Distribution interfaces used for bill payment protection insurance in France, 2012
Cross-tabulation of distribution channels and interfaces used for bill payment protection insurance in France, 2012
Claims frequency by reason for claim across all types of creditor insurance in France, 2012
Claims acceptance by reason for claim across all types of creditor insurance in France, 2012
French survey sample, segmented by geographical region
4.0 GERMANY
German survey sample, segmented by age and annual household income
Proportion of all respondents and of eligible respondents covered by different types of creditor insurance in Germany, 2012
Respondents with a mortgage in Germany, segmented by age and by annual household income, 2012
Proportion of respondents with a mortgage in Germany covered by related creditor insurance, segmented by type of cover, 2012
Proportion of respondents with a mortgage in Germany covered by related creditor insurance, segmented by age, 2012
Proportion of respondents with a mortgage in Germany covered by related creditor insurance, segmented by annual household income, 2012
Distribution channels used for creditor insurance linked to mortgages in Germany, 2012
Distribution interfaces used for creditor insurance linked to mortgages in Germany, 2012
Cross-tabulation of distribution channels and interfaces used for creditor insurance linked to mortgages in Germany, 2012
Penetration of risk coverage for creditor insurance linked to mortgages in Germany, 2012
Respondents with consumer finance in Germany, segmented by age and by annual household income, 2012
Proportion of respondents with consumer finance in Germany covered by related creditor insurance, 2012
Proportion of respondents with consumer finance in Germany covered by related creditor insurance, segmented by age, 2012
Proportion of respondents with consumer finance in Germany with related creditor insurance, segmented by annual household income, 2012
Distribution channels used for creditor insurance linked to consumer finance in Germany, 2012
Distribution interfaces used for creditor insurance linked to consumer finance in Germany, 2012
Cross-tabulation of distribution channels and interfaces used fo
