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Extended Warranties and Insurance for Mobile and Non-Mobile Consumer Products in France is about the market for extended warranties and insurance sold in conjunction with white goods, brown goods, grey goods, mobile gadgets and mobile phones in France.

The study draws on extensive primary and secondary research covering 140 organisations involved in the production and distribution of mobile and non-mobile consumer products including manufacturers, mainstream mobile network operators, mobile virtual network operators (MVNOs), specialised retailers of consumer electronics, supermarkets and other types of retailer (namely, department stores, DIY outlets, speciality retailers and variety retailers). Hence, it provides a comprehensive overview of this activity across France.

Table Of Contents

Extended Warranties and Insurance for Mobile and Non-Mobile Consumer Products in France
TABLE OF CONTENTS
0.0 EXECUTIVE SUMMARY ... 1
1.0 INTRODUCTION 3
What is this report about? .. 3
Rationale . 3
Evolving distribution channels both favour and compromise extended warranty provision ... 3
Methodology ... 4
Manufacturer and retailer survey ... 4
The survey's scope covers 140 manufacturers and retailers of mobile and non-mobile consumer products ... 4
Market data . 4
Distribution channels for retailers ... 5
Definitions ... 6
Extended warranties and insurance .. 6
Extended warranties and insurance linked to consumer products come in a variety of formats… 6
…and are frequently marketed to consumers under alternative titles . 6
Premiums and other revenues ... 6
Operating models ... 7
Weighted shares . 7
PartnerBASEâ„¢ and market data annexe . 7
Finaccord 8
2.0 WHITE GOODS .. 9
Introduction . 9
Underlying market value and volume.. 10
The white goods market in France has grown in recent years in both value and volume terms .. 10
Manufacturers' original warranty length and consumer law... 11
The vast majority of manufacturers of white goods offer two-year original warranties . 11
Manufacturer schemes for extended warranties and insurance ... 12
Several manufacturers of white goods in France run extended warranty programs 12
Domestic and General and SFG both claim significant relationships with manufacturers ... 13
Retailer schemes for extended warranties and insurance . 15
Retailers of white goods in France are far more likely than manufacturers to offer extended warranties… 15
...with a wide range of underwriters and brokers utilised to run these schemes ... 15
SPB is the most commonly named broker, administering schemes for several high-profile retailers... ... 16
...though various other intermediaries are also active in this diverse market 17
Carrefour's CARMA joint venture with Covea and subsidiaries of AXA are relatively prominent in this field .. 17
A significant number of retailers operate schemes on an internal basis ... 17
AssurOne is ranked third in the weighted analysis of retailer partnerships… ... 17
… and welcomed Anacap Financial Partners as an equity investor in June 2014 ... 17
Risk coverage of all schemes for extended warranties and insurance . 18
A fairly high proportion of schemes cover accidental damage as well as mechanical breakdown .. 18
Independent distribution channels .. 18
Specialist online providers include Garantie-Privee.com, magarantie.fr and monSAV.com 18
Extended warranties are also sometimes available through payment cards and bank accounts 19
Market value for extended warranties and insurance 19
Market forecasts to 2017 . 21
The white goods market is forecast to experience further modest growth through to 2017… . 21
...which will help support the market for related extended warranties ... 22
3.0 BROWN GOODS.. 23

Introduction ... 23
Underlying market value and volume.. 24
Sales of brown goods advanced steadily between 2009 and 2013 .. 24
Manufacturers' original warranty length and consumer law... 25
More manufacturers of brown goods offer a one-year original warranty than a two-year one . 25
Manufacturer schemes for extended warranties and insurance ... 26
Apple, Sharp, Sony and Toshiba have made arrangements for extended warranty schemes… 26
...with two external providers involved in these .. 26
Retailer schemes for extended warranties and insurance . 28
The provision rate among retailers of brown goods is far higher… ... 28
...with 19 external insurers or brokers involved in this realm… .. 28
… and with SPB prominent once again .. 30
AssurOne, EGA Innoserve, Karapass Courtage, SAV Group and Supporter are other players in this field ... 30
Insurer involvement follows a similar pattern to that observed for white goods 30
13 retail brands operate schemes internally without apparent external assistance .. 30
When viewed in weighted terms, the supply structure appears less fragmented . 31
Risk coverage of all schemes for extended warranties and insurance . 31
A narrow majority of extended warranty schemes for brown goods in France cover accidental damage ... 31
Independent distribution channels .. 32
Alternative providers include online specialist Direxi through its 'garantie des biens du foyer' . 32
Market value for extended warranties and insurance 32
Market forecasts to 2017 . 34
France's market for brown goods is predicted to edge up further between 2013 and 2017. 34
…which will probably result in a largely unchanged picture in the related market for extended warranties 35
4.0 GREY GOODS .. 36
Introduction ... 36
Underlying market value and volume.. 37
The value of the grey goods market fell back slightly between 2009 and 2013 37
Manufacturers' original warranty length and consumer law... 38
A majority of grey goods manufacturers limit themselves to offering one-year original warranties… .. 38
Manufacturer schemes for extended warranties and insurance ... 39
… albeit over a half run extended warranty schemes... . 39
...with two international insurers and one broker active as partners of manufacturers . 39
Most manufacturer programs are run on an internal basis 41
Retailer schemes for extended warranties and insurance . 41
Over two thirds of grey goods retailers investigated promote extended warranty schemes… 41
...with a variety of different operating models in evidence .. 42
External providers are largely similar to those visible in the related fields of white and brown goods .. 42
Garantie-privee.com administers around 2.4 million extended warranties across France as a whole 42
Underwriters owned by AXA are prominent as are CARMA, Domestic and General and GAN Eurocourtage .. 42
CARMA claims the highest weighted share of partnerships in a very fragmented sector 44
Risk coverage of all schemes for extended warranties and insurance . 44
Nearly a half of extended warranty schemes include cover for accidental damage . 44
Independent distribution channels .. 44
Similar independent options exist for consumers as in the parallel white and brown goods sectors ... 44
Market value for extended warranties and insurance 45
Market forecasts to 2017 . 46
The market for grey goods is likely to continue shrinking in value between 2013 and 2017... . 46
…thereby causing a further decline in the associated extended warranty market 47
5.0 MOBILE GADGETS . 48
Introduction ... 48
Underlying market value and volume.. 49
The value of the French mobile gadget market rose substantially between 2009 and 2013 ... 49

Manufacturers' original warranty length and consumer law... 50
A very clear majority of mobile gadget manufacturer original warranties last for one year ... 50
Manufacturer schemes for extended warranties and insurance ... 51
Extended warranties are on offer from 11 of the manufacturers researched… 51
...with three insurers and one broker involved in some of these schemes as external partners .. 51
Domestic and General usurps London General Insurance as first-ranked external provider in weighted terms 53
Retailer schemes for extended warranties and insurance . 53
Extended warranty or insurance programs are available from over 60% of retailer brands… . 53
...with over 20 external insurers and brokers involved in the market . 53
As in other fields, SPB runs multiple schemes in partnership with several different underwriters ... 54
Asurion has entered the French market by means of a partnership with Bouygues Telecom… . 54
… although other players in this arena are ones also active in the white, brown and grey goods markets. 54
Internally-managed schemes for mobile gadget insurance are in evidence for a dozen retailers ... 56
By weighted share of partnerships, SPB is a fairly unambiguous leader in this market ... 56
Risk coverage of all schemes for mobile gadget insurance .. 56
Over a half of schemes cover accidental damage but fewer cover theft and hardly any loss .. 56
Independent distribution channels .. 57
At least ten independent distributors are visible in this market, including several major banks… 57
… although mobile gadget cover is rarely bundled automatically with banking products . 57
Market value for extended warranties and insurance 57
Market forecasts to 2017 . 58
The value and volume of the mobile gadget market will grow further, but at a slower rate than before .. 58
For various reasons, the outlook for mobile gadget extended warranties and insurance is less positive 60
6.0 MOBILE PHONES 61
Introduction ... 61
Underlying market volumes . 62
Mobile subscriptions per capita in France have begun to catch up with those in comparable countries . 62
By the end of 2013, around 53 million individuals in France had a mobile phone 63
Manufacturers' original warranty length and consumer law... 64
Most manufacturers of mobile phones offer an original warranty that lasts just one year 64
Manufacturer schemes for mobile phone insurance .. 65
Extended warranty or insurance programs are limited to just two mobile phone manufacturers… . 65
...with only one external insurance firm involved in this sphere . 65
Retailer schemes for mobile phone insurance ... 67
Well over a half of mobile phone retailers promote mobile phone insurance or extended protection .. 67
SPB's two non-virtual mobile network operator partnerships are both underwritten by AIG… 67
… with Asurion having dislodged Gras Savoye from its long-standing relationship with Bouygues Telecom 69
Retailer partnerships for mobile phone insurance are often similar to those for mobile gadget cover . 69
SPB has created a distinctive image for itself as an international affinity insurance broker . 69
Over 40% of its total revenues in 2013 were due to partnerships with mobile network operators ... 70
Risk coverage of all schemes for mobile phone insurance ... 70
A majority of mobile phone insurance schemes in France cover accidental damage and theft... 70
Independent distribution channels .. 71
Advise Affinity Services and Credit Mutuel provide further options for stand-alone mobile phone cover 71
Packaged cover within 'assurance des moyens de paiement' is another possibility for consumers 71
Market value for mobile phone insurance ... 72
Market forecasts to 2017 . 73
Between 2013 and 2017, mobile phone subscriptions in France may rise by a further 12.5 million… 73
... occasioning an increase in the percentage of the French population with a mobile phone….. 74
… and a fairly positive outlook for the country's market for mobile phone insurance ... 75

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY ... 1
Approximate market value for extended warranties and insurance linked to mobile and non-mobile consumer products in France, 2009, 2013 and 2017 (forecast) . 2
Approximate market value for extended warranties and insurance linked to mobile and non-mobile consumer products in France, 2009, 2013 and 2017 (forecast) (table) .. 2
1.0 INTRODUCTION 3
Organisations researched in France, segmented by type, 2014 . 4
Retailers researched in France segmented by distribution channel, 2014 . 5
2.0 WHITE GOODS .. 9
Value and volume of sales of white goods in France, 2009 and 2013 . 10
Comparative length of original warranties offered by manufacturers of white goods in France, 2014 ... 11
Manufacturer schemes for extended warranties and insurance linked to white goods in France: provision rates and operating models, 2014 ... 12
Manufacturer schemes for extended warranties and insurance linked to white goods in France: unweighted and weighted provider share of partnerships, 2014 ... 14
Retailer schemes for extended warranties and insurance linked to white goods in France: provision rates and operating models, 2014 15
Retailer schemes for extended warranties and insurance linked to white goods in France: unweighted and weighted provider share of partnerships, 2014 .. 16
Risk coverage of all schemes for extended warranties and insurance linked to white goods in France, 2014 .. 18
Approximate market value for extended warranties and insurance linked to white goods in France, 2009 and 2013 ... 20
Value and volume of sales of white goods in France, 2013 and 2017 (forecast) . 21
Approximate market value for extended warranties and insurance linked to white goods in France, 2013 and 2017 (forecast) .. 22
3.0 BROWN GOODS.. 23
Value and volume of sales of brown goods in France, 2009 and 2013 24
Comparative length of original warranties offered by manufacturers of brown goods in France, 2014 .. 25
Manufacturer schemes for extended warranties and insurance linked to brown goods in France: provision rates and operating models, 2014 ... 26
Manufacturer schemes for extended warranties and insurance linked to brown goods in France: unweighted and weighted provider share of partnerships, 2014 ... 27
Retailer schemes for extended warranties and insurance linked to brown goods in France: provision rates and operating models, 2014 28
Retailer schemes for extended warranties and insurance linked to brown goods in France: unweighted and weighted provider share of partnerships, 2014 ... 29
Risk coverage of all schemes for extended warranties and insurance linked to brown goods in France, 2014 .. 31
Approximate market value for extended warranties and insurance linked to brown goods in France, 2009 and 2013 ... 33
Value and volume of sales of brown goods in France, 2013 and 2017 (forecast) ... 34
Approximate market value for extended warranties and insurance linked to brown goods in France, 2013 and 2017 (forecast) .. 35
4.0 GREY GOODS .. 36
Value and volume of sales of grey goods in France, 2009 and 2013 ... 37
Comparative length of original warranties offered by manufacturers of grey goods in France, 2014 . 38
Manufacturer schemes for extended warranties and insurance linked to grey goods in France: provision rates and operating models, 2014 ... 39
Manufacturer schemes for extended warranties and insurance linked to grey goods in France: unweighted and weighted provider share of partnerships, 2014 ... 40
Retailer schemes for extended warranties and insurance linked to grey goods in France: provision rates and operating models, 2014 41
Retailer schemes for extended warranties and insurance linked to grey goods in France unweighted and weighted provider share of partnerships, 2014 .. 43
Risk coverage of all schemes for extended warranties and insurance linked to grey goods in France, 2014 ... 44
Approximate market value for extended warranties and insurance linked to grey goods in France, 2009 and 2013 ... 45
Value and volume of sales of grey goods in France, 2013 and 2017 (forecast) .. 46
Approximate market value for extended warranties and insurance linked to grey goods in France, 2013 and 2017 ... 47
5.0 MOBILE GADGETS . 48
Value and volume of sales of mobile gadgets in France, 2009 and 2013 49
Comparative length of original warranties offered by manufacturers of mobile gadgets in France, 2014 .. 50
Manufacturer schemes for extended warranties and insurance linked to mobile gadgets in France: provision rates and operating models, 2014 ... 51
Manufacturer schemes for extended warranties and insurance linked to mobile gadgets in France: unweighted and weighted provider share of partnerships, 2014 ... 52
Retailer schemes for extended warranties and insurance linked to mobile gadgets in France: provision rates and operating models, 2014 ... 53
Retailer schemes for extended warranties and insurance linked to mobile gadgets in France: unweighted and weighted provider share of partnerships, 2014 ... 55
Risk coverage of all schemes for extended warranties and insurance linked to mobile gadgets in France, 2014 .. 56
Approximate market value for extended warranties and insurance linked to mobile gadgets in France, 2009 and 2013 . 58
Value and volume of sales of mobile gadgets in France, 2013 and 2017 (forecast) ... 59
Approximate market value for extended warranties and insurance linked to mobile gadgets in France, 2013 and 2017 (forecast) . 60
6.0 MOBILE PHONES 61
Volume of mobile phone subscriptions and subscriptions per capita in France, 2009 and 2013 62
Number of individuals owning a mobile phone in France and their weighting within the total population, 2009 and 2013 . 63
Comparative length of original warranties offered by manufacturers of mobile phones in France, 2014 ... 64
Manufacturer schemes for extended warranties and insurance linked to mobile phones in France: provision rates and operating models, 2014 ... 65
Manufacturer schemes for extended warranties and insurance linked to mobile phones in France: unweighted and weighted provider share of partnerships, 2014 ... 66
Retailer schemes for extended warranties and insurance linked to mobile phones in France: provision rates and operating models, 2014 ... 67
Retailer schemes for extended warranties and insurance linked to mobile phones in France: unweighted and weighted provider share of partnerships, 2014 ... 68
Risk coverage of all schemes for extended warranties and insurance linked to mobile phones in France, 2014 .. 70
Approximate market value and policies in force for extended warranties and insurance linked to mobile phones in France, 2009 and 2013 .. 72
Volume of mobile phone subscriptions and subscriptions per capita in France, 2013 and 2017 (forecast) ... 73
Number of individuals owning a mobile phone in France and their weighting within the total population, 2013 and 2017 (forecast) . 74
Approximate market value and policies in force for extended warranties and insurance linked to mobile phones in France, 2013 and 2017 (forecast).. 75

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