Finance, Warranties and Insurance for Mobile Devices in Europe

0.0 EXECUTIVE SUMMARY

The market across eight European countries was worth approximately €3.56 billion in 2005…

… with average customer take-up rates appearing to be highest in the Netherlands and the UK

Manufacturer policies tend to focus on mechanical breakdown as opposed to other risks…

… with retailers tending to be more open to the development of broader policies

Potential exists to package warranties and insurance with finance and payment card schemes

The dynamics of the warranty and insurance market are complicated by a range of factors…

… including the growing use of the Internet as a sales channel for mobile devices…

… and the potential role that banking institutions and payment card issuers can play in this market

Negative publicity and regulatory intervention have been particularly significant in the UK…

… and packaging within household insurance may limit the potential of stand-alone policies

Some network operators eschew mobile telephone insurance in favour of loyalty programs

Opportunities exist in claims administration and repair services as well as insurance

Of the sectors analysed, mobile telephone insurance appears to offer the best opportunities…

… as evidenced by the growth rates achieved by the captive operations of Carphone Warehouse

Market participants may be required to operate at an increasingly international level

1.0 INTRODUCTION

Finaccord

PartnerBASE™

Rationale

Most published data focuses disproportionately on the underlying mobile devices themselves…

… ignoring the fact that manufacturers and retailers can make large profits from financial services10

Consumers are increasingly at large with high value mobile devices in their pockets…

… with as many as 12% of young adults in the UK regularly carrying items worth £400 or more

Evolving distribution channels both favour and compromise warranty and insurance provision

Credit and payment card schemes can be used to finance warranty and insurance products

Methodology

The survey extends to 640 manufacturers and retailers of mobile devices in eight countries

Definitions

Warranty and insurance products linked to mobile devices come in a variety of formats…

… and are frequently marketed to consumers under alternative titles

Errors, omissions and limit of liability

2.0 EUROPEAN OVERVIEW

Introduction

Underlying market data

Laptop computers

The volume of sales per capita of laptop computers is highest in Sweden

The value of the UK market is slightly higher than its equivalent in Germany

Digital cameras

Italy is the least developed market of those considered for digital camera sales

In terms of the outright value of sales, Germany and France both outstrip the UK

Mobile telephones

Mobile telephone subscriptions across the eight countries reach 327.5 million in 2005

… with Italy leading the field in terms of the number of subscriptions per capita

Manufacturers’ provision of finance, warranties and insurance

Over 80% of laptop manufacturers active in the UK offer a warranty or insurance scheme

Manufacturer policies in Sweden typically offer the broadest coverage

Most manufacturers adhere primarily to a captive model for warranty and insurance programs…

… and Dell’s collaboration with London General is the only pan-European exception

Manufacturers achieving direct sales to customers are most likely to offer finance programs…

… with only HP making use of a captive finance arm across all eight countries

Retailers’ provision of finance, warranties and insurance

Retailers in the UK are most likely to possess their own warranty or insurance schemes…

… with their counterparts in Spain showing the least apparent enthusiasm in this field

In four countries, schemes are most commonly sold in conjunction with mobile telephones

Fewer than half of retailer policies in Belgium offer coverage beyond a basic warranty

Retailers adhere to a broad range of operating models for warranty and insurance schemes

Retailers of mobile devices in Italy are most likely to offer point-of-sale finance

A relationship with a single, external partner is most commonly used for finance programs

Italy and Spain display high retailer development of co-branded or store cards

Deals with more than one payment card provider are only identifiable in Italy

Warranty and insurance take-up rates

Average cross-sell rates are highest for mobile telephone insurance in the Netherlands

Implied market size for warranties and insurance

The European market was worth approximately €3.56 billion in 2005

Mobile telephone insurance accounts for almost two thirds of the total market

In per capita terms, the Netherlands is Europe’s most developed market

The value of the UK market is more than three times that of both France and Germany

Italy is the one market in which mobile telephone policies lag laptop computer schemes in value

Warranties and insurance packaged with credit cards

Only a handful of issuers have elected to package extended warranties with their credit cards…

… and the cost of mobile telephone insurance makes it difficult to package with cards for free

3.0 BELGIUM

Introduction to the market for mobile devices

Research scope

Retailers active in the distribution of mobile devices

Underlying market data

Sales volumes per capita for laptops and digital cameras are close to the European average

The value of the market for digital cameras reached €212.7 million in 2005

Mobile telephone subscriptions per capita fall below the average for Europe

Survey results - manufacturers of mobile devices

Penetration rates for warranty and insurance programs

Over half of laptop computer manufacturers offer an extended warranty or insurance

Types of cover offered under warranty and insurance programs

Only the policy developed by Toshiba extends to loss as well as accidental damage and theft

Operating models and partner shares for warranty and insurance programs

With the exception of Dell, all manufacturers report adherence to captive underwriting strategies

Penetration rates, operating models and partner shares for finance and leasing

CIT Group’s link with Dell for finance and leasing applies to Belgium as well as the UK

Survey results - retailers of mobile devices

Penetration rates for warranty and insurance programs

Belgian retailers display a limited appetite for intermediating extended warranties and insurance

Types of cover offered under warranty and insurance programs

Over 50% of policies sold by retailers provide cover for mechanical breakdown only

Operating models and partner shares for warranty and insurance programs

A narrow majority of Belgian retailers have opted for a primarily captive underwriting approach…

… although FNAC’s tie with SPB in France also applies to Belgium among other countries

ProAssist has developed rapidly as a mobile telephone service operation since launch in 1995

Penetration rates, operating models and partner shares for finance and leasing

Carrefour and 3 Suisses offer point-of-sale finance through joint venture companies…

… albeit Comfort Card emerges as the leading provider by raw number of relationships

Penetration rates, op. models and partner shares for co-branded / store cards

Store card schemes have been set up by less than a quarter of retailers of mobile devices

Observed customer take-up rates

Cross-selling rates appear to be somewhat below the pan-European average

Implied market size

Belgium accounts for a very small proportion of the wider European market

4.0 FRANCE

Introduction to the market for mobile devices

Research scope

Retailers active in the distribution of mobile devices

Underlying market data

Sales of laptop computers exceed 3 million for the first time in 2005

Laptop and digital camera sales values per capita are slightly ahead of the European average

France is Europe’s laggard in terms of mobile telephone subscriptions per capita

Survey results - manufacturers of mobile devices

Penetration rates for warranty and insurance programs

Almost three quarters of laptop computer manufacturers offer an extended warranty or insurance.

Types of cover offered under warranty and insurance programs

The policies offered by Dell, Fujitsu Siemens and Packard Bell each cover theft

Operating models and partner shares for warranty and insurance programs

The insurance elements of Fujitsu Siemens’ scheme are organised through Firstassur

Penetration rates, operating models and partner shares for finance and leasing

Few manufacturers have taken the trouble to set up programs for finance and leasing

Survey results - retailers of mobile devices

Penetration rates for warranty and insurance programs

Retailer enthusiasm for warranty and insurance schemes runs at intermediate levels

Types of cover offered under warranty and insurance programs

Protection against airtime abuse is a standard feature of mobile telephone insurance in France

Operating models and partner shares for warranty and insurance programs

Almost one third of schemes are operated primarily through captive entities…

… although brokers, such as SPB, are also strong in the French market

SPB is seeking to double its European portfolio of mobile telephone insurance contracts…

… and has also launched a warranty program for games consoles sold through Score Game

Penetration rates, operating models and partner shares for finance and leasing

Joint ventures are a widespread feature of the point-of-sale finance market in France…

… although Cetelem and Franfinance are the market leaders in terms of number of relationships

Penetration rates, op. models and partner shares for co-branded / store cards

Cetelem and Franfinance also lead the way in the store card sector

Observed customer take-up rates

The average cross-sell rate for laptop computers is in the region of 15%

Implied market size

The market for warranties and insurance linked to mobile devices falls just short of €500 million

5.0 GERMANY

Introduction to the market for mobile devices

Research scope

Retailers active in the distribution of mobile devices

Underlying market data

Laptop and digital camera sales volumes per capita fall slightly below the European average

In terms of sales per capita, Germany is ranked sixth for both laptops and digital cameras

German mobile telephone subscriptions grow at an average annual rate of 8.0%

Survey results - manufacturers of mobile devices

Penetration rates for warranty and insurance programs

Exactly three quarters of laptop manufacturers offer an extended warranty or insurance

Types of cover offered under warranty and insurance programs

The majority of schemes offer protection for mechanical breakdown only

Operating models and partner shares for warranty and insurance programs

The warranty programs of most manufacturers are organised on a captive basis

Penetration rates, operating models and partner shares for finance and leasing

CC Bank provides finance and leasing on behalf of Apple and Dell in the German market

Survey results - retailers of mobile devices

Penetration rates for warranty and insurance programs

For all mobile devices, retailer penetration of insurance schemes stands at roughly one in three

Types of cover offered under warranty and insurance programs

Theft coverage is incorporated into over two thirds of retailer-sponsored schemes

Operating models and partner shares for warranty and insurance programs

Relationships with a single partner constitute the most commonly occurring operating model…

… with AXA Versicherung ranking among the most prominent underwriters…

… although the brokerage arm of Jamba! also lays claim to several important partnerships

Penetration rates, operating models and partner shares for finance and leasing

Point-of-sale finance schemes have been set up by 50% of the retailers surveyed…

… with Comfort Card laying claim to the highest number of exclusive partnerships…

Penetration rates, op. models and partner shares for co-branded / store cards

… although it is usurped by CC Bank and Citibank in the store card sector

Observed customer take-up rates

The maximum reported cross-selling rate by any organisation in Germany is 40%

Implied market size

Less than 50% of the market’s value is attributable to mobile telephone insurance

6.0 ITALY

Introduction to the market for mobile devices

Research scope

Retailers active in the distribution of mobile devices

Underlying market data

Italy is the least mature market of those surveyed for both laptop computers and digital cameras

The sales value per capita for digital cameras was just €12.47 in 2005

In terms of mobile telephone subscriptions per capita, Italy’s is Europe’s market leader

Survey results - manufacturers of mobile devices

Penetration rates for warranty and insurance programs

Over half of laptop computer manufacturers offer an extended warranty or insurance

Types of cover offered under warranty and insurance programs

Only the policy developed by Toshiba extends to loss as well as accidental damage and theft

Operating models and partner shares for warranty and insurance programs

With the exception of Dell, all manufacturers report adherence to captive underwriting strategies

Penetration rates, operating models and partner shares for finance and leasing

Apple, Dell and Lenovo collaborate with external finance and leasing partners

Survey results - retailers of mobile devices

Penetration rates for warranty and insurance programs

Italian retailers display a limited appetite for organising extended warranties and insurance…

… although a regulatory consideration specific to Italy may be a cause for this reluctance

Types of cover offered under warranty and insurance programs

A high proportion of policies sold by retailers provide cover for mechanical breakdown only

Operating models and partner shares for warranty and insurance programs

Medimax, Strabilia and UniEuro utilise captive underwriting strategies…

… while Mondial Assistance collaborates extensively with the MediaWorld / Saturn duo…

… for a policy which incorporates a home assistance module as well as standard cover

Penetration rates, operating models and partner shares for finance and leasing

Over 80% of Italian retailers have a formal arrangement in place for point-of-sale credit…

… with Banca Sella’s Consel having developed links with a large number of direct retailers

Penetration rates, op. models and partner shares for co-branded / store cards

Retailers of mobile devices in Italy also display significant interest in store card schemes

Observed customer take-up rates

Take-up rates for warranties and insurance currently fall well short of one in five customers

Implied market size

Schemes linked to laptops account for the greatest share of the nascent Italian market

7.0 NETHERLANDS

Introduction to the market for mobile devices

Research scope

Retailers active in the distribution of mobile devices

Underlying market data

Sales of laptop computers in the Netherlands fall just short of the one million mark in 2005

Laptop and digital camera sales values per capita are well ahead of the European average

The growth rate in mobile telephone subscriptions is close to the European average

Survey results - manufacturers of mobile devices

Penetration rates for warranty and insurance programs

Warranty or insurance schemes have been developed by over 50% of laptop manufacturers…

Types of cover offered under warranty and insurance programs

… although in most cases the onus lies on mechanical breakdown rather than broader risks

Operating models and partner shares for warranty and insurance programs

Toshiba’s link with Mitsui Sumitomo Insurance is classifiable as a captive arrangement

Penetration rates, operating models and partner shares for finance and leasing

Three of the four manufacturers involved in this arena work with external finance providers

Survey results - retailers of mobile devices

Penetration rates for warranty and insurance programs

Mobile telephone retailers are most likely to have organised a warranty or insurance scheme

Types of cover offered under warranty and insurance programs

Warranty and insurance products linked to mobile devices often offer comprehensive coverage.

Operating models and partner shares for warranty and insurance programs

Only five retailers have elected to insure risks primarily on a captive basis…

… with a specialist broker, Actua Assurantiën, ranking among the foremost external providers

The competition to run mobile telephone insurance programs is highly fragmented

Penetration rates, operating models and partner shares for finance and leasing

Typically, schemes for point-of-sale finance are organised through a single, external partner…

… with Primeline and Comfort Card accounting for the majority of relationships in this field

Penetration rates, op. models and partner shares for co-branded / store cards

Appetite for store cards among retailers of mobile devices is more limited

Observed customer take-up rates

Cross-selling rates for mobile telephone insurance are higher than in any other country

Implied market size

Policies linked to mobile telephones account for over 80% of the Dutch market value

8.0 SPAIN

Introduction to the market for mobile devices

Research scope

Retailers active in the distribution of mobile devices

Underlying market data

Sales volumes per capita for laptops and digital cameras lie below the average for Europe

The market for laptop computers in Spain was worth €1.68 billion in 2005

Growth in Spanish mobile telephone subscriptions began tailing off in 2003

Survey results - manufacturers of mobile devices

Penetration rates for warranty and insurance programs

Only HP offers a scheme in the digital camera / camcorder category

Types of cover offered under warranty and insurance programs

Fewer than 50% of schemes offer cover for accidental damage or theft

Operating models and partner shares for warranty and insurance programs

The vast majority of programs are organised on a captive basis

Penetration rates, operating models and partner shares for finance and leasing

Apple, Dell and Lenovo work with external providers for finance and leasing

Survey results - retailers of mobile devices

Penetration rates for warranty and insurance programs

Retailer adoption of warranty and insurance schemes lies well below the European average

Types of cover offered under warranty and insurance programs

Internity and The Phone House distinguish themselves through the breadth of cover offered

Operating models and partner shares for warranty and insurance programs

A range of operating models is in evidence for retailer programs in Spain…

… with SPB Ibérica among the foremost providers due to its links with FNAC and Internity…

… while Carrefour places risks by means of its captive broker operation

Penetration rates, operating models and partner shares for finance and leasing

Almost three out of four retailers have an arrangement in place for point-of-sale finance…

… with five external providers laying claim to two or more exclusive partnerships in this domain

Penetration rates, op. models and partner shares for co-branded / store cards

Banco Cetelem accounts for over one half of the store card partnerships traced

Observed customer take-up rates

Comparatively weak cross-selling rates impede the development of the Spanish market

Implied market size

Less than 5% of the value of the European market is attributable to Spain

9.0 SWEDEN

Introduction to the market for mobile devices

Research scope

Retailers active in the distribution of mobile devices

Underlying market data

Sweden is the most developed market of those surveyed for both laptops and digital cameras

The market value for digital cameras in Sweden exceeded €250 million in 2005

Mobile telephone subscriptions per capita lie above the average for Europe

Survey results - manufacturers of mobile devices

Penetration rates for warranty and insurance programs

Warranty or insurance programs associated with laptop computers are most in evidence

Types of cover offered under warranty and insurance programs

Insurance for accidental damage applies to over three quarters of manufacturer programs

Operating models and partner shares for warranty and insurance programs

With the exception of Dell, manufacturers display a preference for captive schemes

Penetration rates, operating models and partner shares for finance and leasing

Three manufacturers collaborate with external partners for finance and leasing programs

Survey results - retailers of mobile devices

Penetration rates for warranty and insurance programs

Retailer provision of warranty or insurance programs exceeds 50% for types of mobile device

Types of cover offered under warranty and insurance programs

Protection against both mechanical breakdown and accidental damage is standard

Operating models and partner shares for warranty and insurance programs

Only Telia and The Phone House work primarily through captive underwriters

Solid Försäkringar, a specialist underwriter, is the leader in terms of number of partnerships…

… and grew premiums written by over 30% in the most recently year for which data is available.

Several other brokers and underwriters organise affinity schemes linked to mobile devices

Penetration rates, operating models and partner shares for finance and leasing

Over three quarters of Swedish retailers offer point-of-sale credit to their customers

Handelsbanken Finans and Resurs Bank are prominent as providers of consumer finance

Penetration rates, op. models and partner shares for co-branded / store cards

Resurs Bank counts Siba and Telia among its store card partners

Observed customer take-up rates

Warranties bundled with household insurance limit the market for stand-alone policies

Implied market size

Policies linked to digital cameras account for barely more than €5 million of the Swedish market

10.0 UNITED KINGDOM

Introduction to the market for mobile devices

Research scope

Retailers active in the distribution of mobile devices

Underlying market data

Sales of laptop computers reached 3.80 million in the UK in 2005

The sales value per capita for laptop computers in the UK is second only to Sweden

The market for mobile telephone subscriptions in the UK is increasingly close to maturity

Impact of the Competition Commission enquiry

The Competition Commission enquiry has caused retailers to review their sales practices…

… in the wake of recommendations aiming to rectify a distortion of normal competition

Survey results - manufacturers of mobile devices

Penetration rates for warranty and insurance programs

A majority of computer laptop manufacturers in the UK offer warranty or insurance programs

Types of cover offered under warranty and insurance programs

Only Dell’s program offers customers protection in the event of theft

Operating models and partner shares for warranty and insurance programs

Around one third of manufacturer-backed schemes are insured through a single partner

Penetration rates, operating models and partner shares for finance and leasing

A minority of manufacturers offer finance or leasing schemes to customers

Survey results - retailers of mobile devices

Penetration rates for warranty and insurance programs

Retailers of mobile telephones are most likely to have their own warranty or insurance programs

Types of cover offered under warranty and insurance programs

There is plenty of scope for retailers to enhance programs with a broader range of cover

Operating models and partner shares for warranty and insurance programs

Although there are notable excepts., most retailers maintain relationships with external insurers.

Retail networks belonging to DSG International have re-configured cust. service agreements

Mobile telephone insurance makes a vital contribution to the profit. of Carphone Warehouse

A variety of administrators and underwriters compete for mandates for retailer schemes…

… although some programs are extensions of existing arrangements for non-mobile devices

Penetration rates, operating models and partner shares for finance and leasing

Most retailers of mobile devices collaborate with a single partner for point-of-sale finance

… with HSBC’s link with DSG International being the most significant partnership in place

Penetration rates, op. models and partner shares for co-branded / store cards

Just under a quarter of retailers of mobile devices have developed a co-branded or store card

Observed customer take-up rates

In spite of regulatory influence, cross-selling rates in the UK are among the highest in Europe…

… with around 20% of the market’s volume being attributable to policy renewals…

… and with resolicitation programs undertaken through direct marketing on a regular basis

Implied market size

The size of the UK market offers a guide to the development potential in other countries

Distribution interfaces and channels used for mobile telephone insurance

Network operators and retailers dominate the distribution of mobile telephone insurance…

… albeit there is clear potential to use other distribution channels and a variety of interfaces

GRAPHICS / TABLES

Organisations covered by the research segmented by type and by country

Volume of laptop computer sales in Europe, outright and per capita, 2005

Value of laptop computer sales in Europe, outright and per capita, 2005

Volume of digital camera sales in Europe, outright and per capita, 2005

Value of digital camera sales in Europe, outright and per capita, 2005

Volume of mobile telephone subscriptions in Europe, 2001-5

Volume of mobile telephone subscriptions per capita in Europe, 2001-5

% of mans. of mobile devices offering ex. warranty / ins. programs segment. by type of mobile device, 2006

% of ex. warranty / ins. progs. offered by mans. covering one or more of acc.damage, loss and / or theft, 2006

Operating models used for ex. warranty / ins. programs offered by manufacturers of mobile devices, 2006

% of manufacturers of mobile devices offering consumer / business finance programs, 2006

Operating models used for consumer / business finance programs offered by mans. of mobile devices, 2006

% of retailers of mobile devices offering ex. warranty / ins. programs seg. by type of mobile device, 2006

% of ex. warranty / ins. progs. offered by rets. covering one or more of acc. damage, loss and / or theft, 2006

Operating models used for extended warranty / insurance programs offered by retailers, 2006

% of retailers of mobile devices offering consumer / business finance programs, 2006

Operating models used for business / consumer finance programs offered by retailers, 2006

% of retailers of mobile devices offering co-branded / store card programs, 2006

Operating models used for co-branded / store card programs offered by retailers, 2006

Observed average % cross-sell rates for ex. warranty and insurance programs linked to mobile devices, 2006

Implied value of the market for warranties and ins. linked to mobile devices in Europe split by country, 2005

Implied value of the mkt. for warranties and ins. linked to mob. devs. in Europe split by type of mob. dev., 2005

Imp. value per capita of the mkt. for warranties and ins, linked to mob. devs. in Europe split by country, 2005 (€)

Imp. val. of the mkt. for warrs. and ins. linked to mob. devs. in Eu. split by cty. and type of mob. dev., 2005 (€m)

Imp. val. of the mkt. for warrs. and ins. linked to mob. devs. in Eu. split by country and type of mob. dev., 2005 (%)

Credit card penetration rates for extended warranties, segmented by country, 2005

Credit card penetration rates for mobile telephone insurance, segmented by country, 2005

Volume of laptop computer and digital camera sales in Belgium, outright and per capita, 2005

Value of laptop computer and digital camera sales in Belgium, outright and per capita, 2005

Mobile telephone subscriptions and mobile telephone subscriptions per capita in Belgium, 2001-5

Penetration rates for warranty and ins. programs offered by mans. of mobile devices in Belgium, 2006

Types of cover included under warranty and ins. progs. offered by mans. of mobile devices in Belgium, 2006

Op. models and partner mkt. shares for warr. and ins. progs. offered by mans. of mob. devs. in Belgium, 2006

Pen. rates, op. mds. and ptnr. mkt. shares for cons. / bus. fin. progs. off. by mans. of mob. devs. in Belgium, 2006

Penetration rates for warranty and insurance programs offered by retailers of mobile devices in Belgium, 2006

Types of cover included under warranty and ins. progs. offered by retailers of mobile devices in Belgium, 2006

Op. models and partner mkt. shares for warr. and ins. progs. offered by rets. of mob. devs. in Belgium, 2006

Pen. rates, op. mds. and ptnr. mkt. shares for cons. / bus. fin. progs. off. by rets. of mob. devs. in Belgium, 2006

Pen. rates, op. mds. and ptnr. mkt. shs. for co-br. / store card progs. off. by rets. of mob. devs. in Belgium, 2006

Observed % cross-sell rates for war. and ins. progs. offered by mans. and rets. of mob. devs. in Belgium, 2005/6

Imp. mkt. size in terms of revs. / prems. written, for warr. and ins. progs. linked to mob. devs. in Belgium, 2005

Volume of laptop computer and digital camera sales in France, outright and per capita, 2005

Value of laptop computer and digital camera sales in France, outright and per capita, 2005

Mobile telephone subscriptions and mobile telephone subscriptions per capita in France, 2001-5

Penetration rates for warranty and ins. programs offered by mans. of mobile devices in France, 2006

Types of cover included under warranty and ins. progs. offered by mans. of mobile devices in France, 2006

Op. models and partner mkt. shares for warr. and ins. progs. offered by mans. of mob. devs. in France, 2006

Pen. rates, op. mds. and ptnr. mkt. shares for cons. / bus. fin. progs. off. by mans. of mob. devs. in France, 2006

Penetration rates for warranty and insurance programs offered by retailers of mobile devices in France, 2006

Types of cover included under warranty and ins. progs. offered by retailers of mobile devices in France, 2006

Op. models and partner mkt. shares for warr. and ins. progs. offered by rets. of mob. devs. in France, 2006

Pen. rates, op. mds. and ptnr. mkt. shares for cons. / bus. fin. progs. off. by rets. of mob. devs. in France, 2006

Pen. rates, op. mds. and ptnr. mkt. shs. for co-br. / store card progs. off. by rets. of mob. devs. in France, 2006

Observed % cross-sell rates for war. and ins. progs. offered by mans. and rets. of mob. devs. in France, 2005/6

Imp. mkt. size in terms of revs. / prems. written, for warr. and ins. progs. linked to mob. devs. in France, 2005

Volume of laptop computer and digital camera sales in Germany, outright and per capita, 2005

Value of laptop computer and digital camera sales in Germany, outright and per capita, 2005

Mobile telephone subscriptions and mobile telephone subscriptions per capita in Germany, 2001-5

Penetration rates for warranty and ins. programs offered by mans. of mobile devices in Germany, 2006

Types of cover included under warranty and ins. progs. offered by mans. of mobile devices in Germany, 2006

Op. models and partner mkt. shares for warr. and ins. progs. offered by mans. of mob. devs. in Germany, 2006

Pen. rates, op. mds. and ptnr. mkt. shares for cons. / bus. fin. progs. off. by mans. of mob. devs. in Germ’y, 2006

Penetration rates for warranty and insurance programs offered by retailers of mobile devices in Germany, 2006

Types of cover included under warranty and ins. progs. offered by retailers of mobile devices in Germany, 2006

Op. models and partner mkt. shares for warr. and ins. progs. offered by rets. of mob. devs. in Germany, 2006

Pen. rates, op. mds. and ptnr. mkt. shares for cons. / bus. fin. progs. off. by rets. of mob. devs. in Germany, 2006

Pen. rates, op. mds. and ptnr. mkt. shs. for co-br. / st. card progs. off. by rets. of mob. devs. in Germany, 2006

Obs. % cross-sell rates for war. and ins. progs. offered by mans. and rets. of mob. devs. in Germany, 2005/6

Imp. mkt. size in terms of revs. / prems. written, for warr. and ins. progs. linked to mob. devs. in Germany, 2005

Volume of laptop computer and digital camera sales in Italy, outright and per capita, 2005

Value of laptop computer and digital camera sales in Italy, outright and per capita, 2005

Mobile telephone subscriptions and mobile telephone subscriptions per capita in Italy, 2001-5

Penetration rates for warranty and ins. programs offered by mans. of mobile devices in Italy, 2006

Types of cover included under warranty and ins. progs. offered by mans. of mobile devices in Italy, 2006

Op. models and partner mkt. shares for warr. and ins. progs. offered by mans. of mob. devs. in Italy, 2006

Pen. rates, op. mds. and ptnr. mkt. shares for cons. / bus. fin. progs. off. by mans. of mob. devs. in Italy, 2006

Penetration rates for warranty and insurance programs offered by retailers of mobile devices in Italy, 2006

Types of cover included under warranty and ins. progs. offered by retailers of mobile devices in Italy, 2006

Op. models and partner mkt. shares for warr. and ins. progs. offered by rets. of mob. devs. in Italy, 2006

Pen. rates, op. mds. and ptnr. mkt. shares for cons. / bus. fin. progs. off. by rets. of mob. devs. in Italy, 2006

Pen. rates, op. mds. and ptnr. mkt. shs. for co-br. / store card progs. off. by rets. of mob. devs. in Italy, 2006

Observed % cross-sell rates for war. and ins. progs. offered by mans. and rets. of mob. devs. in Italy, 2005/6

Imp. mkt. size in terms of revs. / prems. written, for warr. and ins. progs. linked to mob. devs. in Italy, 2005

Volume of laptop computer and digital camera sales in the Netherlands, outright and per capita, 2005

Value of laptop computer and digital camera sales in the Netherlands, outright and per capita, 2005

Mobile telephone subscriptions and mobile telephone subscriptions per capita in the Netherlands, 2001-5

Penetration rates for warranty and ins. programs offered by mans. of mobile devices in the N’lands., 2006

Types of cover included under war. and ins. progs. offered by mans. of mobile devices in the N’lands., 2006

Op. models and ptnr. mkt. shares for warr. and ins. progs. offered by mans. of mob. devs. in the N’lands., 2006

Pen. rates, op. mds. and ptnr. mkt. shs. for cons. / bus. fin. progs. off. by mans. of mob. devs. in N’lands., 2006

Penetration rates for warranty and ins. programs offered by retailers of mobile devices in the N’lands., 2006

Types of cover included under war. and ins. progs. offered by retailers of mobile devices in the N’lands., 2006

Op. models and partner mkt. shares for warr. and ins. progs. offered by rets. of mob. devs. in the N’lands., 2006

Pen. rates, op. mds. and ptnr. mkt. shs. for cons. / bus. fin. progs. off. by rets. of mob. devs. in the N’lands., 2006

Pen. rates, op. mds. and ptnr. mkt. shs. for co-br. / st. cd. progs. off. by rets. of mob. devs. in the N’lands., 2006

Obs. % cross-sell rates for war. and ins. progs. offered by mans. and rets. of mob. devs. in the N’lands., 2005/6

Imp. mkt. size in terms of revs. / prems. written, for warr. and ins. progs. link. to mob. devs. in the N’lands., 2005

Volume of laptop computer and digital camera sales in Spain, outright and per capita, 2005

Value of laptop computer and digital camera sales in Spain, outright and per capita, 2005

Mobile telephone subscriptions and mobile telephone subscriptions per capita in Spain, 2001-5

Penetration rates for warranty and ins. programs offered by mans. of mobile devices in Spain, 2006

Types of cover included under warranty and ins. progs. offered by mans. of mobile devices in Spain, 2006

Op. models and partner mkt. shares for warr. and ins. progs. offered by mans. of mob. devs. in Spain, 2006

Pen. rates, op. mds. and ptnr. mkt. shares for cons. / bus. fin. progs. off. by mans. of mob. devs. in Spain, 2006

Penetration rates for warranty and insurance programs offered by retailers of mobile devices in Spain, 2006

Types of cover included under warranty and ins. progs. offered by retailers of mobile devices in Spain, 2006

Op. models and partner mkt. shares for warr. and ins. progs. offered by rets. of mob. devs. in Spain, 2006

Pen. rates, op. mds. and ptnr. mkt. shares for cons. / bus. fin. progs. off. by rets. of mob. devs. in Spain, 2006

Pen. rates, op. mds. and ptnr. mkt. shs. for co-br. / store card progs. off. by rets. of mob. devs. in Spain, 2006

Observed % cross-sell rates for war. and ins. progs. offered by mans. and rets. of mob. devs. in Spain, 2005/6

Imp. mkt. size in terms of revs. / prems. written, for warr. and ins. progs. linked to mob. devs. in Spain, 2005

Volume of laptop computer and digital camera sales in Sweden, outright and per capita, 2005

Value of laptop computer and digital camera sales in Sweden, outright and per capita, 2005

Mobile telephone subscriptions and mobile telephone subscriptions per capita in Sweden, 2001-5

Penetration rates for warranty and ins. programs offered by mans. of mobile devices in Sweden, 2006

Types of cover included under warranty and ins. progs. offered by mans. of mobile devices in Sweden, 2006

Op. models and partner mkt. shares for warr. and ins. progs. offered by mans. of mob. devs. in Sweden, 2006

Pen. rates, op. mds. and ptnr. mkt. shs. for cons. / bus. fin. progs. off. by mans. of mob. devs. in Sweden, 2006

Penetration rates for warranty and insurance programs offered by retailers of mobile devices in Sweden, 2006

Types of cover included under warranty and ins. progs. offered by retailers of mobile devices in Sweden, 2006

Op. models and partner mkt. shares for warr. and ins. progs. offered by rets. of mob. devs. in Sweden, 2006

Pen. rates, op. mds. and ptnr. mkt. shares for cons. / bus. fin. progs. off. by rets. of mob. devs. in Sweden, 2006

Pen. rates, op. mds. and ptnr. mkt. shs. for co-br. / store card progs. off. by rets. of mob. devs. in Sweden, 2006

Obs. % cross-sell rates for war. and ins. progs. offered by mans. and rets. of mob. devs. in Sweden, 2005/6

Imp. mkt. size in terms of revs. / prems. written, for warr. and ins. progs. linked to mob. devs. in Sweden, 2005

Volume of laptop computer and digital camera sales in the UK, outright and per capita, 2005

Value of laptop computer and digital camera sales in the UK, outright and per capita, 2005

Mobile telephone subscriptions and mobile telephone subscriptions per capita in the UK, 2001-5

Penetration rates for warranty and ins. programs offered by mans. of mobile devices in the UK, 2006

Types of cover included under warranty and ins. progs. offered by mans. of mobile devices in the UK, 2006

Op. models and partner mkt. shares for warr. and ins. progs. offered by mans. of mob. devs. in the UK, 2006

Pen. rates, op. mds. and ptnr. mkt. shares for cons. / bus. fin. progs. off. by mans. of mob. devs. in the UK, 2006

Penetration rates for warranty and insurance programs offered by retailers of mobile devices in the UK, 2006

Types of cover included under warranty and ins. progs. offered by retailers of mobile devices in the UK, 2006

Op. models and partner mkt. shares for warr. and ins. progs. offered by rets. of mob. devs. in the UK, 2006

Pen. rates, op. mds. and ptnr. mkt. shares for cons. / bus. fin. progs. off. by rets. of mob. devs. in the UK, 2006

Pen. rates, op. mds. and ptnr. mkt. shs. for co-br. / store card progs. off. by rets. of mob. devs. in the UK, 2006

Observed % cross-sell rates for war. and ins. progs. offered by mans. and rets. of mob. devs. in the UK, 2005/6

Imp. mkt. size in terms of revs. / prems. written, for warr. and ins. progs. linked to mob. devs. in the UK, 2005

Distribution interfaces and channels used by cons. for purchasing mobile telephone insurance in the UK, 2005