TABLE OF CONTENTS 0.0 EXECUTIVE SUMMARY INTRODUCTION... 3 What is this report about?... 3 Rationale... 3

Transcription

1 TABLE OF CONTENTS 0.0 EXECUTIVE SUMMARY INTRODUCTION... 3 What is this report about?... 3 Rationale... 3 There are multiple reasons for producing research about this market across 12 European countries... 3 including its size, complexity and competing distribution channels... 3 Methodology... 4 Primary research... 4 The survey includes over 1,000 organisations active in the distribution of road assistance... 4 Market data... 4 Definitions... 6 Terms and abbreviations... 6 Operating models... 6 Currencies, exchange rates and inflation... 7 PartnerBASE... 7 Finaccord EUROPEAN OVERVIEW... 9 Introduction... 9 Distribution through key partner organisations... 9 Provision rates... 9 Car manufacturer brands: almost all include road assistance with their factory warranties... 9 Motor insurance brands: availability of road assistance exceeds 90% of brands in nine out of 12 countries Independent warranty providers: road assistance is also usually available from this type of distributor Automotive clubs: some specialised clubs do not offer road assistance to their members Operating models Use of a single external partner is the preferred operating model in around two thirds of cases although captive and joint venture assistance firms are active in several countries and internally-managed schemes are visible in most countries Competitive landscape In terms of distribution agreements alone, Belgium and Italy have the most concentrated markets At the group level, Allianz Global Assistance has secured the most partnerships for road assistance followed by Europ Assistance which is a co-founder of ERA Automotive, launched in October Distribution through payment cards and bank accounts Packaging road assistance with credit cards occurs most commonly in Italy and Turkey while bank accounts that feature road assistance are most widespread in Poland and the UK Market size and segmentation Underlying private passenger car parc The insurable parc of privately-owned passenger cars is largest in Germany, Italy and Russia Policy numbers and value of premiums Finaccord's analysis segments the road assistance market into five categories More than 190 million road assistance policies are held through these channels Germany and the UK combined account for more than half of the European market by value far ahead of France, Italy and Spain because of the different distribution channel mix Drivers in the Netherlands and the UK spend the most on prepaid road assistance cover The in-scope consumer market accounts for over two thirds of the total prepaid market for road assistance A potential threat is apparent in the shape of providers of apps for on-demand road assistance FINACCORD (12/2017) I

2 Household penetration rates Across the 12 countries, the penetration rate for prepaid road assistance is almost 70% but is less than 5% in Russia and is also relatively low in countries in which motor insurers do not include cover automatically Market forecast Across the 12 countries, the market is forecast to rise modestly in value through to Several developments may reduce demand for prepaid road assistance among consumers Leading competitors The AA and ADAC are the largest road assistance providers thanks to the size of their domestic markets while Allianz Global Assistance is the leading multinational competitor Members of ARC Europe account for up to 50% of the prepaid market for road assistance in Europe AUSTRIA Introduction Distribution through key partner organisations Summary of organisations researched Provision rates Close to 90% of entities researched are providers or distributors of road assistance Operating models Austria is characterised by a diverse range of operating models used for road assistance Partnerships with car manufacturer brands Allianz Global Assistance and the ÖAMTC account for over half of car manufacturer partnerships Partnerships with motor insurance brands The supply structure for relationships with motor insurers is a fragmented one Partnerships with independent warranty providers Both Allianz Global Assistance and Europ Assistance benefit from partnerships in this field Partnerships with automotive clubs In addition to the ÖAMTC, Austria hosts several other automotive clubs including JimDrive, which entered the market towards the end of Other distribution channels Direct distribution Other online brands Payment cards and bank accounts Online aggregators and brokers Other types of distributor Market size, segmentation and forecast The prepaid market for consumer road assistance is on track to be worth over EUR 180 million by Around 60% of policies in this market are attributable to one distribution channel A high household penetration rate suggests that the Austrian market is close to saturation Leading competitors By market share, ARBÖ is likely to be the closest competitor to the ÖAMTC BELGIUM Introduction Distribution through key partner organisations Summary of organisations researched Provision rates Road assistance is available from the vast majority of distributors investigated in Belgium Operating models and is mainly organised via a link with a single, external partner Partnerships with car manufacturer brands VAB holds the most ties for road assistance with car manufacturer brands FINACCORD (12/2017) II

3 Partnerships with motor insurance brands but Europ Assistance is utilised most frequently by motor insurers followed by Allianz Global Assistance and IMA Benelux Partnerships with independent warranty providers Touring benefits from a distribution partnership with Real Garant Partnerships with automotive clubs Both the RACB and VKT use external providers for road assistance offered to their members Other distribution channels Direct distribution Other online brands Payment cards and bank accounts Online aggregators and brokers Road assistance can be acquired as a distinct product from a number of intermediaries including both online and offline distributors Other types of distributor Market size, segmentation and forecast Well over a half of the market value is due to automotive club membership plus direct sales although only around 35% of it when measured in terms of volume of policies The optional nature of road assistance sold via most motor insurers reduces the overall penetration rate Leading competitors The two leading competitors probably control over 70% of the value of the market with no other single provider likely to hold a market share of more than 10% FRANCE Introduction Distribution through key partner organisations Summary of organisations researched Provision rates Road assistance is available from the vast majority of distributors investigated Operating models and is mainly organised via a link with a single, external partner Partnerships with car manufacturer brands Allianz Global Assistance holds the most ties for road assistance with car manufacturers but rivals account for those with the largest indigenous brands Partnerships with motor insurance brands Allianz Global Assistance also claims the most relationships among motor insurance brands followed by Inter Mutuelles Assistance and AXA Assistance Partnerships with independent warranty providers Europ Assistance continues to work with Icare Partnerships with automotive clubs Six providers of road assistance hold at least one partnership in this realm Other distribution channels Direct distribution Other online brands Payment cards and bank accounts Online aggregators and brokers Other types of distributor Market size, segmentation and forecast Cover provided with motor insurance makes up the majority of the market in terms of its value although somewhat less when measured by volume FINACCORD (12/2017) III

4 Leading competitors The market leader is likely to account for upwards of one third of the in-scope market Ties with mutual insurers drive the prominence of Inter Mutuelles Assistance ACTA Assistance is the France-based member of ARC Europe GERMANY Introduction Distribution through key partner organisations Summary of organisations researched Provision rates Road assistance is available from almost 95% of actual and potential distributors investigated Operating models and a diverse range of operating models is employed in this context including use of hybrid arrangements combining different types of service provider Partnerships with car manufacturer brands The top two assistance providers jointly account for more than half of all distribution deals Partnerships with motor insurance brands The supply structure for road assistance intermediated by motor insurers is a fragmented one with ADAC and Assistance Partner most prominent in this respect followed by Deutsche Assistance and ROLAND Schutzbrief and a long tail of other competitors Partnerships with independent warranty providers Most independent warranty providers embed road assistance in their core products Partnerships with automotive clubs In addition to ADAC, there are many smaller automotive clubs in Germany New competitors, such as JimDrive and Mobil in Deutschland, are seeking to disrupt the status quo Other distribution channels Direct distribution A significant number of assistance firms sell directly to consumers in Germany Other online brands Payment cards and bank accounts Packaging with banking products is not an especially significant distribution channel Online aggregators and brokers Several specialised online comparison sites have been set up with a focus on road assistance Other types of distributor Market size, segmentation and forecast The German market for road assistance is mature but growing steadily and dominated in terms of its value by direct sales but in volume terms by bundling and cross-selling with motor insurance Leading competitors ADAC remains dominant in spite of the diverse array of challenger assistance firms The AvD is the second-largest automotive club in Germany followed by ACE and KS/AUXILIA ITALY Introduction Distribution through key partner organisations Summary of organisations researched Provision rates Road assistance is available from all car manufacturer brands investigated and as an optional extra from most motor insurance brands Operating models FINACCORD (12/2017) IV

5 Use of a single, external partner for road assistance is preferred by most distributors Partnerships with car manufacturer brands ACI and Europ Assistance account for the vast majority of partnerships with car manufacturer brands Partnerships with motor insurance brands Partnerships for road assistance with motor insurance brands are spread more evenly Gruppo Unipol took a 50% stake in IMA Italia Assistance in Partnerships with independent warranty providers Both ACI and IMA Italia Assistance are active in this segment Partnerships with automotive clubs ACI is the provider used by the Confederazione Italiana Campeggiatori Other distribution channels Direct distribution Other online brands Payment cards and bank accounts Online aggregators and brokers Other types of distributor Market size, segmentation and forecast Cover provided with motor insurance makes up the majority of the market in terms of its value although significantly less when measured by volume Leading competitors Due to its extensive distribution network, Europ Assistance is likely to be the market leader by revenues although three other competitors could have a market share in excess of 10% NETHERLANDS Introduction Distribution through key partner organisations Summary of organisations researched Provision rates Road assistance is available from all car manufacturer brands investigated and as an optional extra from most motor insurance brands Operating models Use of a single, external partner for road assistance is preferred by most distributors Partnerships with car manufacturer brands Allianz Global Assistance and ANWB account for the vast majority of manufacturer brands partnerships Partnerships with motor insurance brands SOS International holds the most relationships, including several via Route Mobiel followed by Allianz Global Assistance and Eurocross Assistance Partnerships with independent warranty providers All five independent warranty providers researched act as distributors of road assistance Partnerships with automotive clubs The ANWB has around 4.4 million members in total of whom around 2.8 million are direct members Other distribution channels Direct distribution Other online brands RoadGuard was first to market with an app for on-demand post-paid road assistance Payment cards and bank accounts Online aggregators and brokers The Netherlands hosts several dedicated aggregators for road assistance and a few brokers also act as tied agents for it Other types of distributor FINACCORD (12/2017) V

6 Two major repair shop networks distribute road assistance branded under their own names Some travel insurers have integrated road assistance into their travel insurance policies Market size, segmentation and forecast Over 80% of the market value is attributable to one distribution channel category which also generates almost 60% of the volume of prepaid contracts acquired by consumers In spite of multiple distribution points, there is still a significant minority of drivers that lack road assistance Leading competitors The ANWB remains dominant but is being challenged by a long and diverse tail of smaller competitors POLAND Introduction Distribution through key partner organisations Summary of organisations researched Provision rates Road assistance is available from all of the car manufacturer brands investigated Operating models Use of a single external provider of road assistance is the preferred operating model of most distributors Partnerships with car manufacturer brands Mondial Assistance dominates partnerships for road assistance with car manufacturer brands although at least five other competitors have direct involvement in this sphere Partnerships with motor insurance brands The supply structure for road assistance distributed by motor insurers is more fragmented with SOS PZMOT leading the field in this sphere by a narrow margin Partnerships with independent warranty providers Road assistance is available from a majority of independent warranty providers Partnerships with automotive clubs Other distribution channels Direct distribution Road assistance can be acquired directly from a variety of assistance firms Other online brands An on-demand road assistance app is available from Hollo Payment cards and bank accounts Bundling of road assistance with banking products is comparatively important in Poland Online aggregators and brokers Other types of distributor Market size, segmentation and forecast Over 60% of the market value is likely to be due to one distribution channel There is scope to grow the household penetration rate for prepaid road assistance Leading competitors PZM (including SOS PZMOT) is the clear market leader in Poland RUSSIA Introduction Distribution through key partner organisations Summary of organisations researched Provision rates Road assistance is available from the vast majority of car manufacturer brands but relatively few motor insurers Operating models and is organised through a variety of operating models Partnerships with car manufacturer brands RAF holds the most ties for road assistance with car manufacturers FINACCORD (12/2017) VI

7 followed by RAMC Partnerships with motor insurance brands Those motor insurers that offer road assistance ten to work with a network of multiple local providers which is a consequence of the need to cover the vast Russian land mass Partnerships with automotive clubs RAF, RAMC and Ring all operate on a nationwide basis Other competitors have a more localised focus Other distribution channels Direct distribution Other online brands Autodona has developed a road assistance proposition specifically for women Payment cards and bank accounts Online aggregators and brokers Other types of distributor Market size, segmentation and forecast The market value is forecast to expand quite rapidly, even once inflation has been discounted as more individual drivers in Russia elect to prepay for road assistance cover Leading competitors Since its launch in 2006, RAF has established a leading position in the Russian market but is being challenged by both indigenous and international competitors SPAIN Introduction Distribution through key partner organisations Summary of organisations researched Provision rates Road assistance is available from all motor insurance brands and almost all car manufacturer brands and most motor insurance policies include road assistance by default Operating models Distributors of road assistance in Spain adhere to a relatively broad variety of operating models with usage of captive and joint venture entities quite widespread Partnerships with car manufacturer brands Partnerships with car manufacturer brands are mainly concentrated with two assistance firms Partnerships with motor insurance brands but the supply structure is more fragmented among motor insurance brands Partnerships with independent warranty providers A few independent warranty providers bundle road assistance automatically with extended warranties Partnerships with automotive clubs Other distribution channels Direct distribution A number of assistance firms sell directly to consumers in Spain Other online brands Payment cards and bank accounts Automatic packaging of road assistance with bank accounts is a relatively minor channel in Spain Online aggregators and brokers Other types of distributor Market size, segmentation and forecast A majority of the value of the Spanish market is due to cover bundled with motor insurance Leading competitors RACC is the likely leader in a comparatively fragmented market for road assistance with nine competitors accounting for around 90% of its value acquired by consumers FINACCORD (12/2017) VII

8 12.0 SWITZERLAND Introduction Distribution through key partner organisations Summary of organisations researched Provision rates Road assistance is available from all but one of the distributors surveyed Operating models Around a half of arrangements involve a single, external partner Vaudoise Assurances has acquired a stake in the Swiss branch of Europ Assistance Partnerships with car manufacturer brands Allianz Global Assistance and TCS together hold more than a half of the car manufacturer partnerships Totalmobil! serves car manufacturer brands imported by the AMAG Group Partnerships with motor insurance brands Six providers work with motor insurance brands for road assistance in Switzerland Partnerships with independent warranty providers Four out of five independent warranty providers have an arrangement for road assistance Partnerships with automobile clubs The ACS (Automobile Club de Suisse) is switching its contract to Allianz Global Assistance Other distribution channels Direct distribution Other online brands Payment cards and bank accounts Online aggregators and brokers Other types of distributor Market size, segmentation and forecast The Swiss market for prepaid road assistance for consumers continues to grow at a steady rate with over 4 million policies of different types in force in total Leading competitors TCS is being challenged by a long and diverse tail of smaller competitors TURKEY Introduction Distribution through key partner organisations Summary of organisations researched Provision rates Road assistance is available from all car manufacturer and motor insurance brands investigated Operating models Most schemes are set up in conjunction with a single external provider of road assistance Partnerships with car manufacturer brands Turassist accounts for almost a half of car manufacturer partnerships although at least five other competitors have direct involvement in this sphere Partnerships with motor insurance brands Turassist is even more dominant when it comes to partnerships with motor insurance brands with Assist Line and Europ Assistance ranked second and third, respectively, in this arena Partnerships with independent warranty providers Both Car Care Plan and Dssa Warranty Danışmanlık embed road assistance in their core products Partnerships with automotive clubs Other distribution channels Direct distribution Other online brands FINACCORD (12/2017) VIII

9 Payment cards and bank accounts Bundling with payment cards is an important distribution channel for road assistance in Turkey Online aggregators and brokers but aggregators and brokers have little involvement in this field Other types of distributor Market size, segmentation and forecast A real compound annual growth rate of 6.5% (discounting inflation) is forecast up to Road assistance bundled with payment cards is often rather narrow in the scope of the cover offered although its presence causes a reasonably high penetration rate among car-owning households Leading competitors The market share of Turassist is likely to be two to three times that of its closest competitor although a number of other specialised assistance providers are seeking to grow in this sector UK Introduction Distribution through key partner organisations Summary of organisations researched Provision rates Road assistance is available from all car manufacturer brands and individual warranty providers and from most motor insurance brands, some of whom provide road assistance for free Operating models In the UK, distributors tend to partner directly with a single road assistance provider Several large insurance groups have established captive assistance firms in this area Partnerships with car manufacturer brands Only three competitors hold direct mandates in this very concentrated market Partnerships with motor insurance brands The RAC has boosted its share of partnerships by gaining the esure group account in May Call Assist and AXA Assistance rank second and third, respectively, by share of partnerships Partnerships with independent warranty providers At least five providers of road assistance hold relationships with independent warranty providers Partnerships with automotive clubs In addition to the AA and RAC, there are also several smaller, niche automotive clubs in the UK Other distribution channels Direct distribution A significant number of assistance firms sell directly to consumers in the UK Other online brands and some dedicated online brands do so too Payment cards and bank accounts Road assistance has long been a staple element of added-value accounts offered by banks Online aggregators and brokers Comparisons of road assistance policies are available from both multi-line and specialist aggregators Numerous personal lines brokers are also distributors of road assistance in one form or another Other types of distributor Autohome Assistance and First Call are significant competitors in the affinity market Market size, segmentation and forecast Direct sales make up the majority of the market in terms of its value although significantly less measured by volume Leading competitors The AA and RAC are the dominant competitors in the UK market albeit international assistance firms and numerous smaller competitors are also present FINACCORD (12/2017) IX

10 LIST OF GRAPHICS / TABLES 0.0 EXECUTIVE SUMMARY... 1 Key data: segmentation of road assistance for consumers in Europe by value, by distribution channel and by country, INTRODUCTION... 3 Number of distributors of road assistance covered by the research, segmented by country and by type of organisation EUROPEAN OVERVIEW... 9 Provision rates for road assistance in Europe, segmented by country, 2017: car manufacturer brands Provision rates for road assistance in Europe, segmented by country, 2017: motor insurance brands Provision rates for road assistance in Europe, segmented by country, 2017: independent warranty providers Provision rates for road assistance in Europe, segmented by country, 2017: automotive clubs Operating models used by key partner organisations for road assistance in Europe, segmented by country, Operating models used by key partner organisations for road assistance in Europe, segmented by country, 2017 (table) Competitor share of partnerships for providers of road assistance used by key partner organisations in Europe, segmented by country, Competitor share of partnerships for providers of road assistance used by key partner organisations in Europe, segmented by country, 2017 (table) Competitor share of partnerships for providers of road assistance used by key partner organisations in Europe, Provision rates for road assistance linked to credit cards in Europe, segmented by country, Provision rates for road assistance linked to packaged bank accounts in Europe, segmented by country, Number of privately-owned passenger cars in Europe, segmented by country, Number of policies in force for road assistance for consumers in Europe, segmented by country and distribution channel, 2016 segmented by distribution channel and country, Number of policies in force for road assistance for consumers in Europe, segmented by country and distribution channel, 2016 (table) Gross written premiums and other revenues from road assistance for consumers in Europe, segmented by country, Gross written premiums and other revenues from road assistance for consumers in Europe, segmented by country and distribution channel, Gross written premiums and other revenues from road assistance for consumers in Europe, segmented by country and distribution channel, 2016 (table) Average gross written premiums and other revenues from road assistance for consumers per privatelyowned passenger car in Europe, segmented by country, Gross written premiums and other revenues from road assistance for consumers as a percentage of total prepaid road assistance in Europe, segmented by country, Estimated percentage of households with at least one passenger car with access to prepaid road assistance in Europe, segmented by country, Growth in gross written premiums and other revenues from road assistance for consumers in Europe, segmented by country, 2016 to 2020 (forecast) Gross written premiums and other revenues from road assistance for consumers in Europe, segmented by country, 2016 to 2020 (forecast) (table) for consumers in Europe, FINACCORD (12/2017) X

11 for consumers in Europe, 2016 (table) for consumers in Europe (counting members of ARC Europe as a single entity), for consumers in Europe (counting members of ARC Europe as a single entity), 2016 (table) AUSTRIA Summary of actual and potential distributor organisations researched in Austria, segmented by type, Provision rates for road assistance in Austria, segmented by type of organisation, Operating models used for road assistance in Austria, segmented by type of organisation, Operating models used for road assistance in Austria, segmented by type of organisation, 2017 (table). 46 Competitor share of partnerships for road assistance in Austria, 2017: car manufacturer brands Competitor share of partnerships for road assistance in Austria, 2017: motor insurance brands Gross written premiums and other revenues from road assistance for consumers in Austria, 2016, plus forecast to Gross written premiums and other revenues from road assistance for consumers in Austria, segmented by distribution channel, in Austria, segmented by distribution channel, 2016, plus forecast to for consumers in Austria, for consumers in Austria, 2016 (table) BELGIUM Summary of actual and potential distributor organisations researched in Belgium, segmented by type, Provision rates for road assistance in Belgium, segmented by type of organisation, Operating models used for road assistance in Belgium, segmented by type of organisation, Operating models used for road assistance in Belgium, segmented by type of organisation, 2017 (table) Competitor share of partnerships for road assistance in Belgium, 2017: car manufacturer brands Competitor share of partnerships for road assistance in Belgium, 2017: motor insurance brands Gross written premiums and other revenues from road assistance for consumers in Belgium, 2016, plus forecast to Gross written premiums and other revenues from road assistance for consumers in Belgium, segmented by distribution channel, in Belgium, segmented by distribution channel, 2016, plus forecast to for consumers in Belgium, for consumers in Belgium, 2016 (table) FRANCE Summary of actual and potential distributor organisations researched in France, segmented by type, Provision rates for road assistance in France, segmented by type of organisation, Operating models used for road assistance in France, segmented by type of organisation, Operating models used for road assistance in France, segmented by type of organisation, 2017 (table). 74 Competitor share of partnerships for road assistance in France, 2017: car manufacturer brands Competitor share of partnerships for road assistance in France, 2017: motor insurance brands Gross written premiums and other revenues from road assistance for consumers in France, 2016, plus forecast to FINACCORD (12/2017) XI

12 Gross written premiums and other revenues from road assistance for consumers in France, segmented by distribution channel, in France, segmented by distribution channel, 2016, plus forecast to for consumers in France, for consumers in France, 2016 (table) GERMANY Summary of actual and potential distributor organisations researched in Germany, segmented by type, 2017 Key market data for road assistance for consumers in Germany Provision rates for road assistance in Germany, segmented by type of organisation, Operating models used for road assistance in Germany, segmented by type of organisation, Operating models used for road assistance in Germany, segmented by type of organisation, 2017 (table) Competitor share of partnerships for road assistance in Germany, 2017: car manufacturer brands Competitor share of partnerships for road assistance in Germany, 2017: motor insurance brands Gross written premiums and other revenues from road assistance for consumers in Germany, 2016, plus forecast to Gross written premiums and other revenues from road assistance for consumers in Germany, segmented by distribution channel, in Germany, segmented by distribution channel, 2016, plus forecast to for consumers in Germany, for consumers in Germany, 2016 (table) ITALY Summary of actual and potential distributor organisations researched in Italy, segmented by type, Provision rates for road assistance in Italy, segmented by type of organisation, Operating models used for road assistance in Italy, segmented by type of organisation, Operating models used for road assistance in Italy, segmented by type of organisation, 2017 (table) Competitor share of partnerships for road assistance in Italy, 2017: car manufacturer brands Competitor share of partnerships for road assistance in Italy, 2017: motor insurance brands Gross written premiums and other revenues from road assistance for consumers in Italy, 2016, plus forecast to Gross written premiums and other revenues from road assistance for consumers in Italy, segmented by distribution channel, in Italy, segmented by distribution channel, 2016, plus forecast to for consumers in Italy, for consumers in Italy, 2016 (table) NETHERLANDS Summary of actual and potential distributor organisations researched in the Netherlands, segmented by type, Provision rates for road assistance in the Netherlands, segmented by type of organisation, Operating models used for road assistance in the Netherlands, segmented by type of organisation, Operating models used for road assistance in the Netherlands, segmented by type of organisation, 2017 (table) FINACCORD (12/2017) XII

13 Competitor share of partnerships for road assistance in the Netherlands, 2017: car manufacturer brands Competitor share of partnerships for road assistance in the Netherlands, 2017: motor insurance brands Gross written premiums and other revenues from road assistance for consumers in the Netherlands, 2016, plus forecast to Gross written premiums and other revenues from road assistance for consumers in the Netherlands, segmented by distribution channel, in the Netherlands, segmented by distribution channel, 2016, plus forecast to for consumers in the Netherlands, for consumers in the Netherlands, 2016 (table) POLAND Summary of actual and potential distributor organisations researched in Poland, segmented by type, Provision rates for road assistance in Poland, segmented by type of organisation, Operating models used for road assistance in Poland, segmented by type of organisation, Operating models used for road assistance in Poland, segmented by type of organisation, 2017 (table) Competitor share of partnerships for road assistance in Poland, 2017: car manufacturer brands Competitor share of partnerships for road assistance in Poland, 2017: insurance brands Gross written premiums and other revenues from road assistance for consumers in Poland, 2016, plus forecast to Gross written premiums and other revenues from road assistance for consumers in Poland, segmented by distribution channel, in Poland, segmented by distribution channel, 2016, plus forecast to for consumers in Poland, for consumers in Poland, 2016 (table) RUSSIA Summary of actual and potential distributor organisations researched in Russia, segmented by type, Provision rates for road assistance in Russia, segmented by type of organisation, Operating models used for road assistance in Russia, segmented by type of organisation, Operating models used for road assistance in Russia, segmented by type of organisation, 2017 (table) Competitor share of partnerships for road assistance in Russia, 2017: car manufacturer brands Competitor share of partnerships for road assistance in Russia, 2017: motor insurance brands Gross written premiums and other revenues from road assistance for consumers in Russia, 2016, plus forecast to Gross written premiums and other revenues from road assistance for consumers in Russia, segmented by distribution channel, in Russia, segmented by distribution channel, 2016, plus forecast to for consumers in Russia, for consumers in Russia, 2016 (table) SPAIN FINACCORD (12/2017) XIII

14 Summary of actual and potential distributor organisations researched in Spain, segmented by type, Provision rates for road assistance in Spain, segmented by type of organisation, Operating models used for road assistance in Spain, segmented by type of organisation, Operating models used for road assistance in Spain, segmented by type of organisation, 2017 (table). 164 Competitor share of partnerships for road assistance in Spain, 2017: car manufacturer brands Competitor share of partnerships for road assistance in Spain, 2017: motor insurance brands Gross written premiums and other revenues from road assistance for consumers in Spain, 2016, plus forecast to Gross written premiums and other revenues from road assistance for consumers in Spain, segmented by distribution channel, in Spain, segmented by distribution channel, 2016, plus forecast to for consumers in Spain, for consumers in Spain, 2016 (table) SWITZERLAND Summary of actual and potential distributor organisations researched in Switzerland, segmented by type, Provision rates for road assistance in Switzerland, segmented by type of organisation, Operating models used for road assistance in Switzerland, segmented by type of organisation, Operating models used for road assistance in Switzerland, segmented by type of organisation, 2017 (table) Competitor share of partnerships for road assistance in Switzerland, 2017: car manufacturer brands Competitor share of partnerships for road assistance in Switzerland, 2017: motor insurance brands Gross written premiums and other revenues from road assistance for consumers in Switzerland, 2016, plus forecast to Gross written premiums and other revenues from road assistance for consumers in Switzerland, segmented by distribution channel, in Switzerland, segmented by distribution channel, 2016, plus forecast to for consumers in Switzerland, for consumers in Switzerland, 2016 (table) TURKEY Summary of actual and potential distributor organisations researched in Turkey, segmented by type, Provision rates for road assistance in Turkey, segmented by type of organisation, Operating models used for road assistance in Turkey, segmented by type of organisation, Operating models used for road assistance in Turkey, segmented by type of organisation, 2017 (table) Competitor share of partnerships for road assistance in Turkey, 2017: car manufacturer brands Competitor share of partnerships for road assistance in Turkey, 2017: insurance brands Gross written premiums and other revenues from road assistance for consumers in Turkey, 2016, plus forecast to Gross written premiums and other revenues from road assistance for consumers in Turkey, segmented by distribution channel, in Turkey, segmented by distribution channel, 2016, plus forecast to for consumers in Turkey, FINACCORD (12/2017) XIV

15 for consumers in Turkey, 2016 (table) UK Summary of actual and potential distributor organisations researched in the UK, segmented by type, Provision rates for road assistance in the UK, segmented by type of organisation, Operating models used for road assistance in the UK, segmented by type of organisation, Operating models used for road assistance in the UK, segmented by type of organisation, 2017 (table) Competitor share of partnerships for road assistance in the UK, 2017: car manufacturer brands Competitor share of partnerships for road assistance in the UK, 2017: motor insurance brands Gross written premiums and other revenues from road assistance for consumers in the UK, 2016, plus forecast to Gross written premiums and other revenues from road assistance for consumers in the UK, segmented by distribution channel, in the UK, segmented by distribution channel, 2016, plus forecast to for consumers in the UK, for consumers in the UK, 2016 (table) FINACCORD (12/2017) XV