TABLE OF CONTENTS 0.0 EXECUTIVE SUMMARY... 1 1.0 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... 8 2.0 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... 10 Independent warranty providers: road assistance is also usually available from this type of distributor... 11 Automotive clubs: some specialised clubs do not offer road assistance to their members... 13 Operating models... 14 Use of a single external partner is the preferred operating model in around two thirds of cases... 14 although captive and joint venture assistance firms are active in several countries... 14 and internally-managed schemes are visible in most countries... 14 Competitive landscape... 16 In terms of distribution agreements alone, Belgium and Italy have the most concentrated markets... 16 At the group level, Allianz Global Assistance has secured the most partnerships for road assistance... 18 followed by Europ Assistance which is a co-founder of ERA Automotive, launched in October 2017... 18 Distribution through payment cards and bank accounts... 20 Packaging road assistance with credit cards occurs most commonly in Italy and Turkey... 20 while bank accounts that feature road assistance are most widespread in Poland and the UK... 21 Market size and segmentation... 22 Underlying private passenger car parc... 22 The insurable parc of privately-owned passenger cars is largest in Germany, Italy and Russia... 22 Policy numbers and value of premiums... 23 Finaccord's analysis segments the road assistance market into five categories... 23 More than 190 million road assistance policies are held through these channels... 23 Germany and the UK combined account for more than half of the European market by value...... 26... far ahead of France, Italy and Spain because of the different distribution channel mix... 26 Drivers in the Netherlands and the UK spend the most on prepaid road assistance cover... 29 The in-scope consumer market accounts for over two thirds of the total prepaid market for road assistance... 30 A potential threat is apparent in the shape of providers of apps for on-demand road assistance... 30 FINACCORD (12/2017) I
Household penetration rates... 32 Across the 12 countries, the penetration rate for prepaid road assistance is almost 70%...... 32 but is less than 5% in Russia... 32 and is also relatively low in countries in which motor insurers do not include cover automatically... 32 Market forecast... 34 Across the 12 countries, the market is forecast to rise modestly in value through to 2020... 34 Several developments may reduce demand for prepaid road assistance among consumers... 34 Leading competitors... 36 The AA and ADAC are the largest road assistance providers thanks to the size of their domestic markets... 36 while Allianz Global Assistance is the leading multinational competitor... 37 Members of ARC Europe account for up to 50% of the prepaid market for road assistance in Europe... 39 3.0 AUSTRIA... 42 Introduction... 42 Distribution through key partner organisations... 42 Summary of organisations researched... 42 Provision rates... 43 Close to 90% of entities researched are providers or distributors of road assistance... 43 Operating models... 44 Austria is characterised by a diverse range of operating models used for road assistance... 44 Partnerships with car manufacturer brands... 46 Allianz Global Assistance and the ÖAMTC account for over half of car manufacturer partnerships... 46 Partnerships with motor insurance brands... 47 The supply structure for relationships with motor insurers is a fragmented one... 47 Partnerships with independent warranty providers... 48 Both Allianz Global Assistance and Europ Assistance benefit from partnerships in this field... 48 Partnerships with automotive clubs... 48 In addition to the ÖAMTC, Austria hosts several other automotive clubs... 48 including JimDrive, which entered the market towards the end of 2016... 49 Other distribution channels... 49 Direct distribution... 49 Other online brands... 49 Payment cards and bank accounts... 49 Online aggregators and brokers... 49 Other types of distributor... 49 Market size, segmentation and forecast... 50 The prepaid market for consumer road assistance is on track to be worth over EUR 180 million by 2020... 50 Around 60% of policies in this market are attributable to one distribution channel... 51 A high household penetration rate suggests that the Austrian market is close to saturation... 52 Leading competitors... 52 By market share, ARBÖ is likely to be the closest competitor to the ÖAMTC... 52 4.0 BELGIUM... 55 Introduction... 55 Distribution through key partner organisations... 55 Summary of organisations researched... 55 Provision rates... 56 Road assistance is available from the vast majority of distributors investigated in Belgium... 56 Operating models... 57 and is mainly organised via a link with a single, external partner... 57 Partnerships with car manufacturer brands... 59 VAB holds the most ties for road assistance with car manufacturer brands... 59 FINACCORD (12/2017) II
Partnerships with motor insurance brands... 60 but Europ Assistance is utilised most frequently by motor insurers... 60 followed by Allianz Global Assistance and IMA Benelux... 60 Partnerships with independent warranty providers... 61 Touring benefits from a distribution partnership with Real Garant... 61 Partnerships with automotive clubs... 61 Both the RACB and VKT use external providers for road assistance offered to their members... 61 Other distribution channels... 62 Direct distribution... 62 Other online brands... 62 Payment cards and bank accounts... 62 Online aggregators and brokers... 62 Road assistance can be acquired as a distinct product from a number of intermediaries... 62... including both online and offline distributors... 62 Other types of distributor... 62 Market size, segmentation and forecast... 63 Well over a half of the market value is due to automotive club membership plus direct sales... 63 although only around 35% of it when measured in terms of volume of policies... 63 The optional nature of road assistance sold via most motor insurers reduces the overall penetration rate... 63 Leading competitors... 66 The two leading competitors probably control over 70% of the value of the market... 66 with no other single provider likely to hold a market share of more than 10%... 67 5.0 FRANCE... 70 Introduction... 70 Distribution through key partner organisations... 70 Summary of organisations researched... 70 Provision rates... 71 Road assistance is available from the vast majority of distributors investigated... 71 Operating models... 72 and is mainly organised via a link with a single, external partner... 72 Partnerships with car manufacturer brands... 74 Allianz Global Assistance holds the most ties for road assistance with car manufacturers... 74 but rivals account for those with the largest indigenous brands... 74 Partnerships with motor insurance brands... 75 Allianz Global Assistance also claims the most relationships among motor insurance brands... 75 followed by Inter Mutuelles Assistance and AXA Assistance... 75 Partnerships with independent warranty providers... 77 Europ Assistance continues to work with Icare... 77 Partnerships with automotive clubs... 77 Six providers of road assistance hold at least one partnership in this realm... 78 Other distribution channels... 78 Direct distribution... 78 Other online brands... 78 Payment cards and bank accounts... 78 Online aggregators and brokers... 78 Other types of distributor... 79 Market size, segmentation and forecast... 79 Cover provided with motor insurance makes up the majority of the market in terms of its value... 79 although somewhat less when measured by volume... 79 FINACCORD (12/2017) III
Leading competitors... 82 The market leader is likely to account for upwards of one third of the in-scope market... 82 Ties with mutual insurers drive the prominence of Inter Mutuelles Assistance... 82 ACTA Assistance is the France-based member of ARC Europe... 83 6.0 GERMANY... 86 Introduction... 86 Distribution through key partner organisations... 86 Summary of organisations researched... 86 Provision rates... 87 Road assistance is available from almost 95% of actual and potential distributors investigated... 87 Operating models... 89 and a diverse range of operating models is employed in this context... 89 including use of hybrid arrangements combining different types of service provider... 89 Partnerships with car manufacturer brands... 91 The top two assistance providers jointly account for more than half of all distribution deals... 91 Partnerships with motor insurance brands... 92 The supply structure for road assistance intermediated by motor insurers is a fragmented one... 92 with ADAC and Assistance Partner most prominent in this respect... 92 followed by Deutsche Assistance and ROLAND Schutzbrief... 93 and a long tail of other competitors... 93 Partnerships with independent warranty providers... 94 Most independent warranty providers embed road assistance in their core products... 94 Partnerships with automotive clubs... 94 In addition to ADAC, there are many smaller automotive clubs in Germany... 94 New competitors, such as JimDrive and Mobil in Deutschland, are seeking to disrupt the status quo... 95 Other distribution channels... 95 Direct distribution... 95 A significant number of assistance firms sell directly to consumers in Germany... 95 Other online brands... 95 Payment cards and bank accounts... 95 Packaging with banking products is not an especially significant distribution channel... 95 Online aggregators and brokers... 95 Several specialised online comparison sites have been set up with a focus on road assistance... 95 Other types of distributor... 96 Market size, segmentation and forecast... 96 The German market for road assistance is mature but growing steadily... 96 and dominated in terms of its value by direct sales... 96 but in volume terms by bundling and cross-selling with motor insurance... 96 Leading competitors... 99 ADAC remains dominant in spite of the diverse array of challenger assistance firms... 99 The AvD is the second-largest automotive club in Germany... 100 followed by ACE and KS/AUXILIA... 100 7.0 ITALY... 103 Introduction... 103 Distribution through key partner organisations... 103 Summary of organisations researched... 103 Provision rates... 104 Road assistance is available from all car manufacturer brands investigated... 104 and as an optional extra from most motor insurance brands... 104 Operating models... 105 FINACCORD (12/2017) IV
Use of a single, external partner for road assistance is preferred by most distributors... 105 Partnerships with car manufacturer brands... 107 ACI and Europ Assistance account for the vast majority of partnerships with car manufacturer brands... 107 Partnerships with motor insurance brands... 108 Partnerships for road assistance with motor insurance brands are spread more evenly... 108 Gruppo Unipol took a 50% stake in IMA Italia Assistance in 2012... 108 Partnerships with independent warranty providers... 109 Both ACI and IMA Italia Assistance are active in this segment... 109 Partnerships with automotive clubs... 110 ACI is the provider used by the Confederazione Italiana Campeggiatori... 110 Other distribution channels... 110 Direct distribution... 110 Other online brands... 110 Payment cards and bank accounts... 110 Online aggregators and brokers... 110 Other types of distributor... 110 Market size, segmentation and forecast... 111 Cover provided with motor insurance makes up the majority of the market in terms of its value... 111 although significantly less when measured by volume... 111 Leading competitors... 114 Due to its extensive distribution network, Europ Assistance is likely to be the market leader by revenues... 114 although three other competitors could have a market share in excess of 10%... 114 8.0 NETHERLANDS... 117 Introduction... 117 Distribution through key partner organisations... 117 Summary of organisations researched... 117 Provision rates... 118 Road assistance is available from all car manufacturer brands investigated... 118 and as an optional extra from most motor insurance brands... 118 Operating models... 119 Use of a single, external partner for road assistance is preferred by most distributors... 119 Partnerships with car manufacturer brands... 121 Allianz Global Assistance and ANWB account for the vast majority of manufacturer brands partnerships... 121 Partnerships with motor insurance brands... 122 SOS International holds the most relationships, including several via Route Mobiel... 122 followed by Allianz Global Assistance and Eurocross Assistance... 122 Partnerships with independent warranty providers... 123 All five independent warranty providers researched act as distributors of road assistance... 123 Partnerships with automotive clubs... 124 The ANWB has around 4.4 million members in total of whom around 2.8 million are direct members... 124 Other distribution channels... 124 Direct distribution... 124 Other online brands... 124 RoadGuard was first to market with an app for on-demand post-paid road assistance... 124 Payment cards and bank accounts... 125 Online aggregators and brokers... 125 The Netherlands hosts several dedicated aggregators for road assistance... 125 and a few brokers also act as tied agents for it... 125 Other types of distributor... 125 FINACCORD (12/2017) V
Two major repair shop networks distribute road assistance branded under their own names... 125 Some travel insurers have integrated road assistance into their travel insurance policies... 125 Market size, segmentation and forecast... 126 Over 80% of the market value is attributable to one distribution channel category... 126 which also generates almost 60% of the volume of prepaid contracts acquired by consumers... 126 In spite of multiple distribution points, there is still a significant minority of drivers that lack road assistance... 126 Leading competitors... 129 The ANWB remains dominant but is being challenged by a long and diverse tail of smaller competitors... 129 9.0 POLAND... 132 Introduction... 132 Distribution through key partner organisations... 132 Summary of organisations researched... 132 Provision rates... 133 Road assistance is available from all of the car manufacturer brands investigated... 133 Operating models... 134 Use of a single external provider of road assistance is the preferred operating model of most distributors... 134 Partnerships with car manufacturer brands... 136 Mondial Assistance dominates partnerships for road assistance with car manufacturer brands... 136 although at least five other competitors have direct involvement in this sphere... 136 Partnerships with motor insurance brands... 137 The supply structure for road assistance distributed by motor insurers is more fragmented... 137 with SOS PZMOT leading the field in this sphere by a narrow margin... 137 Partnerships with independent warranty providers... 138 Road assistance is available from a majority of independent warranty providers... 138 Partnerships with automotive clubs... 138 Other distribution channels... 139 Direct distribution... 139 Road assistance can be acquired directly from a variety of assistance firms... 139 Other online brands... 139 An on-demand road assistance app is available from Hollo... 139 Payment cards and bank accounts... 139 Bundling of road assistance with banking products is comparatively important in Poland... 139 Online aggregators and brokers... 139 Other types of distributor... 140 Market size, segmentation and forecast... 140 Over 60% of the market value is likely to be due to one distribution channel... 140 There is scope to grow the household penetration rate for prepaid road assistance... 142 Leading competitors... 143 PZM (including SOS PZMOT) is the clear market leader in Poland... 143 10.0 RUSSIA... 146 Introduction... 146 Distribution through key partner organisations... 146 Summary of organisations researched... 146 Provision rates... 147 Road assistance is available from the vast majority of car manufacturer brands... 147 but relatively few motor insurers... 147 Operating models... 148 and is organised through a variety of operating models... 148 Partnerships with car manufacturer brands... 150 RAF holds the most ties for road assistance with car manufacturers... 150 FINACCORD (12/2017) VI
followed by RAMC... 150 Partnerships with motor insurance brands... 151 Those motor insurers that offer road assistance ten to work with a network of multiple local providers... 151 which is a consequence of the need to cover the vast Russian land mass... 151 Partnerships with automotive clubs... 152 RAF, RAMC and Ring all operate on a nationwide basis... 152 Other competitors have a more localised focus... 152 Other distribution channels... 153 Direct distribution... 153 Other online brands... 153 Autodona has developed a road assistance proposition specifically for women... 153 Payment cards and bank accounts... 153 Online aggregators and brokers... 153 Other types of distributor... 153 Market size, segmentation and forecast... 154 The market value is forecast to expand quite rapidly, even once inflation has been discounted... 154... as more individual drivers in Russia elect to prepay for road assistance cover... 156 Leading competitors... 157 Since its launch in 2006, RAF has established a leading position in the Russian market... 157 but is being challenged by both indigenous and international competitors... 157 11.0 SPAIN... 160 Introduction... 160 Distribution through key partner organisations... 160 Summary of organisations researched... 160 Provision rates... 161 Road assistance is available from all motor insurance brands and almost all car manufacturer brands... 161 and most motor insurance policies include road assistance by default... 161 Operating models... 162 Distributors of road assistance in Spain adhere to a relatively broad variety of operating models... 162 with usage of captive and joint venture entities quite widespread... 162 Partnerships with car manufacturer brands... 164 Partnerships with car manufacturer brands are mainly concentrated with two assistance firms... 164 Partnerships with motor insurance brands... 165 but the supply structure is more fragmented among motor insurance brands... 165 Partnerships with independent warranty providers... 166 A few independent warranty providers bundle road assistance automatically with extended warranties... 166 Partnerships with automotive clubs... 167 Other distribution channels... 167 Direct distribution... 167 A number of assistance firms sell directly to consumers in Spain... 167 Other online brands... 167 Payment cards and bank accounts... 167 Automatic packaging of road assistance with bank accounts is a relatively minor channel in Spain... 167 Online aggregators and brokers... 167 Other types of distributor... 167 Market size, segmentation and forecast... 168 A majority of the value of the Spanish market is due to cover bundled with motor insurance... 168 Leading competitors... 171 RACC is the likely leader in a comparatively fragmented market for road assistance... 171 with nine competitors accounting for around 90% of its value acquired by consumers... 172 FINACCORD (12/2017) VII
12.0 SWITZERLAND... 175 Introduction... 175 Distribution through key partner organisations... 175 Summary of organisations researched... 175 Provision rates... 176 Road assistance is available from all but one of the distributors surveyed... 176 Operating models... 177 Around a half of arrangements involve a single, external partner... 177 Vaudoise Assurances has acquired a stake in the Swiss branch of Europ Assistance... 177 Partnerships with car manufacturer brands... 179 Allianz Global Assistance and TCS together hold more than a half of the car manufacturer partnerships... 179 Totalmobil! serves car manufacturer brands imported by the AMAG Group... 179 Partnerships with motor insurance brands... 180 Six providers work with motor insurance brands for road assistance in Switzerland... 180 Partnerships with independent warranty providers... 181 Four out of five independent warranty providers have an arrangement for road assistance... 181 Partnerships with automobile clubs... 182 The ACS (Automobile Club de Suisse) is switching its contract to Allianz Global Assistance... 182 Other distribution channels... 182 Direct distribution... 182 Other online brands... 182 Payment cards and bank accounts... 182 Online aggregators and brokers... 182 Other types of distributor... 183 Market size, segmentation and forecast... 183 The Swiss market for prepaid road assistance for consumers continues to grow at a steady rate... 183 with over 4 million policies of different types in force in total... 183 Leading competitors... 186 TCS is being challenged by a long and diverse tail of smaller competitors... 186 13.0 TURKEY... 189 Introduction... 189 Distribution through key partner organisations... 189 Summary of organisations researched... 189 Provision rates... 190 Road assistance is available from all car manufacturer and motor insurance brands investigated... 190 Operating models... 191 Most schemes are set up in conjunction with a single external provider of road assistance... 191 Partnerships with car manufacturer brands... 193 Turassist accounts for almost a half of car manufacturer partnerships... 193 although at least five other competitors have direct involvement in this sphere... 193 Partnerships with motor insurance brands... 194 Turassist is even more dominant when it comes to partnerships with motor insurance brands... 194 with Assist Line and Europ Assistance ranked second and third, respectively, in this arena... 194 Partnerships with independent warranty providers... 195 Both Car Care Plan and Dssa Warranty Danışmanlık embed road assistance in their core products... 195 Partnerships with automotive clubs... 195 Other distribution channels... 196 Direct distribution... 196 Other online brands... 196 FINACCORD (12/2017) VIII
Payment cards and bank accounts... 196 Bundling with payment cards is an important distribution channel for road assistance in Turkey... 196 Online aggregators and brokers... 196 but aggregators and brokers have little involvement in this field... 196 Other types of distributor... 196 Market size, segmentation and forecast... 196 A real compound annual growth rate of 6.5% (discounting inflation) is forecast up to 2020... 196 Road assistance bundled with payment cards is often rather narrow in the scope of the cover offered... 197 although its presence causes a reasonably high penetration rate among car-owning households... 198 Leading competitors... 200 The market share of Turassist is likely to be two to three times that of its closest competitor... 200 although a number of other specialised assistance providers are seeking to grow in this sector... 200 14.0 UK... 203 Introduction... 203 Distribution through key partner organisations... 203 Summary of organisations researched... 203 Provision rates... 204 Road assistance is available from all car manufacturer brands and individual warranty providers... 204 and from most motor insurance brands, some of whom provide road assistance for free... 204 Operating models... 205 In the UK, distributors tend to partner directly with a single road assistance provider... 205 Several large insurance groups have established captive assistance firms in this area... 205 Partnerships with car manufacturer brands... 207 Only three competitors hold direct mandates in this very concentrated market... 207 Partnerships with motor insurance brands... 208 The RAC has boosted its share of partnerships by gaining the esure group account in May 2017... 208 Call Assist and AXA Assistance rank second and third, respectively, by share of partnerships... 208 Partnerships with independent warranty providers... 209 At least five providers of road assistance hold relationships with independent warranty providers... 209 Partnerships with automotive clubs... 210 In addition to the AA and RAC, there are also several smaller, niche automotive clubs in the UK... 210 Other distribution channels... 210 Direct distribution... 210 A significant number of assistance firms sell directly to consumers in the UK...... 210 Other online brands... 210... and some dedicated online brands do so too... 210 Payment cards and bank accounts... 210 Road assistance has long been a staple element of added-value accounts offered by banks... 210 Online aggregators and brokers... 211 Comparisons of road assistance policies are available from both multi-line and specialist aggregators... 211 Numerous personal lines brokers are also distributors of road assistance in one form or another... 211 Other types of distributor... 211 Autohome Assistance and First Call are significant competitors in the affinity market... 211 Market size, segmentation and forecast... 212 Direct sales make up the majority of the market in terms of its value... 212 although significantly less measured by volume... 212 Leading competitors... 215 The AA and RAC are the dominant competitors in the UK market... 215... albeit international assistance firms and numerous smaller competitors are also present... 216 FINACCORD (12/2017) IX
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, 2016... 2 1.0 INTRODUCTION... 3 Number of distributors of road assistance covered by the research, segmented by country and by type of organisation 2017... 5 2.0 EUROPEAN OVERVIEW... 9 Provision rates for road assistance in Europe, segmented by country, 2017: car manufacturer brands... 10 Provision rates for road assistance in Europe, segmented by country, 2017: motor insurance brands... 11 Provision rates for road assistance in Europe, segmented by country, 2017: independent warranty providers... 12 Provision rates for road assistance in Europe, segmented by country, 2017: automotive clubs... 13 Operating models used by key partner organisations for road assistance in Europe, segmented by country, 2017... 15 Operating models used by key partner organisations for road assistance in Europe, segmented by country, 2017 (table)... 16 Competitor share of partnerships for providers of road assistance used by key partner organisations in Europe, segmented by country, 2017... 17 Competitor share of partnerships for providers of road assistance used by key partner organisations in Europe, segmented by country, 2017 (table)... 18 Competitor share of partnerships for providers of road assistance used by key partner organisations in Europe, 2017... 19 Provision rates for road assistance linked to credit cards in Europe, segmented by country, 2016... 20 Provision rates for road assistance linked to packaged bank accounts in Europe, segmented by country, 2016... 21 Number of privately-owned passenger cars in Europe, segmented by country, 2016... 22 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, 2016... 24 Number of policies in force for road assistance for consumers in Europe, segmented by country and distribution channel, 2016 (table)... 25 Gross written premiums and other revenues from road assistance for consumers in Europe, segmented by country, 2016... 26 Gross written premiums and other revenues from road assistance for consumers in Europe, segmented by country and distribution channel, 2016... 27 Gross written premiums and other revenues from road assistance for consumers in Europe, segmented by country and distribution channel, 2016 (table)... 28 Average gross written premiums and other revenues from road assistance for consumers per privatelyowned passenger car in Europe, segmented by country, 2016... 29 Gross written premiums and other revenues from road assistance for consumers as a percentage of total prepaid road assistance in Europe, segmented by country, 2016... 31 Estimated percentage of households with at least one passenger car with access to prepaid road assistance in Europe, segmented by country, 2016... 33 Growth in gross written premiums and other revenues from road assistance for consumers in Europe, segmented by country, 2016 to 2020 (forecast)... 35 Gross written premiums and other revenues from road assistance for consumers in Europe, segmented by country, 2016 to 2020 (forecast) (table)... 36 for consumers in Europe, 2016... 38 FINACCORD (12/2017) X
for consumers in Europe, 2016 (table)... 39 for consumers in Europe (counting members of ARC Europe as a single entity), 2016... 40 for consumers in Europe (counting members of ARC Europe as a single entity), 2016 (table)... 41 3.0 AUSTRIA... 42 Summary of actual and potential distributor organisations researched in Austria, segmented by type, 2017... 43 Provision rates for road assistance in Austria, segmented by type of organisation, 2017... 44 Operating models used for road assistance in Austria, segmented by type of organisation, 2017... 45 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... 47 Competitor share of partnerships for road assistance in Austria, 2017: motor insurance brands... 48 Gross written premiums and other revenues from road assistance for consumers in Austria, 2016, plus forecast to 2020... 50 Gross written premiums and other revenues from road assistance for consumers in Austria, segmented by distribution channel, 2016... 51 in Austria, segmented by distribution channel, 2016, plus forecast to 2020... 52 for consumers in Austria, 2016... 53 for consumers in Austria, 2016 (table)... 54 4.0 BELGIUM... 55 Summary of actual and potential distributor organisations researched in Belgium, segmented by type, 2017... 56 Provision rates for road assistance in Belgium, segmented by type of organisation, 2017... 57 Operating models used for road assistance in Belgium, segmented by type of organisation, 2017... 58 Operating models used for road assistance in Belgium, segmented by type of organisation, 2017 (table)... 59 Competitor share of partnerships for road assistance in Belgium, 2017: car manufacturer brands... 60 Competitor share of partnerships for road assistance in Belgium, 2017: motor insurance brands... 61 Gross written premiums and other revenues from road assistance for consumers in Belgium, 2016, plus forecast to 2020... 64 Gross written premiums and other revenues from road assistance for consumers in Belgium, segmented by distribution channel, 2016... 65 in Belgium, segmented by distribution channel, 2016, plus forecast to 2020... 66 for consumers in Belgium, 2016... 68 for consumers in Belgium, 2016 (table)... 69 5.0 FRANCE... 70 Summary of actual and potential distributor organisations researched in France, segmented by type, 2017... 71 Provision rates for road assistance in France, segmented by type of organisation, 2017... 72 Operating models used for road assistance in France, segmented by type of organisation, 2017... 73 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... 75 Competitor share of partnerships for road assistance in France, 2017: motor insurance brands... 77 Gross written premiums and other revenues from road assistance for consumers in France, 2016, plus forecast to 2020... 80 FINACCORD (12/2017) XI
Gross written premiums and other revenues from road assistance for consumers in France, segmented by distribution channel, 2016... 81 in France, segmented by distribution channel, 2016, plus forecast to 2020... 82 for consumers in France, 2016... 84 for consumers in France, 2016 (table)... 85 6.0 GERMANY... 86 Summary of actual and potential distributor organisations researched in Germany, segmented by type, 2017 Key market data for road assistance for consumers in Germany... 87 Provision rates for road assistance in Germany, segmented by type of organisation, 2017... 88 Operating models used for road assistance in Germany, segmented by type of organisation, 2017... 90 Operating models used for road assistance in Germany, segmented by type of organisation, 2017 (table)... 91 Competitor share of partnerships for road assistance in Germany, 2017: car manufacturer brands... 92 Competitor share of partnerships for road assistance in Germany, 2017: motor insurance brands... 94 Gross written premiums and other revenues from road assistance for consumers in Germany, 2016, plus forecast to 2020... 97 Gross written premiums and other revenues from road assistance for consumers in Germany, segmented by distribution channel, 2016... 98 in Germany, segmented by distribution channel, 2016, plus forecast to 2020... 99 for consumers in Germany, 2016... 101 for consumers in Germany, 2016 (table)... 102 7.0 ITALY... 103 Summary of actual and potential distributor organisations researched in Italy, segmented by type, 2017... 104 Provision rates for road assistance in Italy, segmented by type of organisation, 2017... 105 Operating models used for road assistance in Italy, segmented by type of organisation, 2017... 106 Operating models used for road assistance in Italy, segmented by type of organisation, 2017 (table)... 107 Competitor share of partnerships for road assistance in Italy, 2017: car manufacturer brands... 108 Competitor share of partnerships for road assistance in Italy, 2017: motor insurance brands... 109 Gross written premiums and other revenues from road assistance for consumers in Italy, 2016, plus forecast to 2020... 112 Gross written premiums and other revenues from road assistance for consumers in Italy, segmented by distribution channel, 2016... 113 in Italy, segmented by distribution channel, 2016, plus forecast to 2020... 114 for consumers in Italy, 2016... 115 for consumers in Italy, 2016 (table)... 116 8.0 NETHERLANDS... 117 Summary of actual and potential distributor organisations researched in the Netherlands, segmented by type, 2017... 118 Provision rates for road assistance in the Netherlands, segmented by type of organisation, 2017... 119 Operating models used for road assistance in the Netherlands, segmented by type of organisation, 2017... 120 Operating models used for road assistance in the Netherlands, segmented by type of organisation, 2017 (table)... 121 FINACCORD (12/2017) XII
Competitor share of partnerships for road assistance in the Netherlands, 2017: car manufacturer brands... 122 Competitor share of partnerships for road assistance in the Netherlands, 2017: motor insurance brands... 123 Gross written premiums and other revenues from road assistance for consumers in the Netherlands, 2016, plus forecast to 2020... 127 Gross written premiums and other revenues from road assistance for consumers in the Netherlands, segmented by distribution channel, 2016... 128 in the Netherlands, segmented by distribution channel, 2016, plus forecast to 2020... 129 for consumers in the Netherlands, 2016... 130 for consumers in the Netherlands, 2016 (table)... 131 9.0 POLAND... 132 Summary of actual and potential distributor organisations researched in Poland, segmented by type, 2017... 133 Provision rates for road assistance in Poland, segmented by type of organisation, 2017... 134 Operating models used for road assistance in Poland, segmented by type of organisation, 2017... 135 Operating models used for road assistance in Poland, segmented by type of organisation, 2017 (table)... 136 Competitor share of partnerships for road assistance in Poland, 2017: car manufacturer brands... 137 Competitor share of partnerships for road assistance in Poland, 2017: insurance brands... 138 Gross written premiums and other revenues from road assistance for consumers in Poland, 2016, plus forecast to 2020... 141 Gross written premiums and other revenues from road assistance for consumers in Poland, segmented by distribution channel, 2016... 142 in Poland, segmented by distribution channel, 2016, plus forecast to 2020... 143 for consumers in Poland, 2016... 144 for consumers in Poland, 2016 (table)... 145 10.0 RUSSIA... 146 Summary of actual and potential distributor organisations researched in Russia, segmented by type, 2017... 147 Provision rates for road assistance in Russia, segmented by type of organisation, 2017... 148 Operating models used for road assistance in Russia, segmented by type of organisation, 2017... 149 Operating models used for road assistance in Russia, segmented by type of organisation, 2017 (table)... 150 Competitor share of partnerships for road assistance in Russia, 2017: car manufacturer brands... 151 Competitor share of partnerships for road assistance in Russia, 2017: motor insurance brands... 152 Gross written premiums and other revenues from road assistance for consumers in Russia, 2016, plus forecast to 2020... 154 Gross written premiums and other revenues from road assistance for consumers in Russia, segmented by distribution channel, 2016... 155 in Russia, segmented by distribution channel, 2016, plus forecast to 2020... 156 for consumers in Russia, 2016... 158 for consumers in Russia, 2016 (table)... 159 11.0 SPAIN... 160 FINACCORD (12/2017) XIII
Summary of actual and potential distributor organisations researched in Spain, segmented by type, 2017... 161 Provision rates for road assistance in Spain, segmented by type of organisation, 2017... 162 Operating models used for road assistance in Spain, segmented by type of organisation, 2017... 163 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... 165 Competitor share of partnerships for road assistance in Spain, 2017: motor insurance brands... 166 Gross written premiums and other revenues from road assistance for consumers in Spain, 2016, plus forecast to 2020... 169 Gross written premiums and other revenues from road assistance for consumers in Spain, segmented by distribution channel, 2016... 170 in Spain, segmented by distribution channel, 2016, plus forecast to 2020... 171 for consumers in Spain, 2016... 173 for consumers in Spain, 2016 (table)... 174 12.0 SWITZERLAND... 175 Summary of actual and potential distributor organisations researched in Switzerland, segmented by type, 2017... 176 Provision rates for road assistance in Switzerland, segmented by type of organisation, 2017... 177 Operating models used for road assistance in Switzerland, segmented by type of organisation, 2017... 178 Operating models used for road assistance in Switzerland, segmented by type of organisation, 2017 (table)... 179 Competitor share of partnerships for road assistance in Switzerland, 2017: car manufacturer brands... 180 Competitor share of partnerships for road assistance in Switzerland, 2017: motor insurance brands... 181 Gross written premiums and other revenues from road assistance for consumers in Switzerland, 2016, plus forecast to 2020... 184 Gross written premiums and other revenues from road assistance for consumers in Switzerland, segmented by distribution channel, 2016... 185 in Switzerland, segmented by distribution channel, 2016, plus forecast to 2020... 186 for consumers in Switzerland, 2016... 187 for consumers in Switzerland, 2016 (table)... 188 13.0 TURKEY... 189 Summary of actual and potential distributor organisations researched in Turkey, segmented by type, 2017... 190 Provision rates for road assistance in Turkey, segmented by type of organisation, 2017... 191 Operating models used for road assistance in Turkey, segmented by type of organisation, 2017... 192 Operating models used for road assistance in Turkey, segmented by type of organisation, 2017 (table)... 193 Competitor share of partnerships for road assistance in Turkey, 2017: car manufacturer brands... 194 Competitor share of partnerships for road assistance in Turkey, 2017: insurance brands... 195 Gross written premiums and other revenues from road assistance for consumers in Turkey, 2016, plus forecast to 2020... 197 Gross written premiums and other revenues from road assistance for consumers in Turkey, segmented by distribution channel, 2016... 199 in Turkey, segmented by distribution channel, 2016, plus forecast to 2020... 200 for consumers in Turkey, 2016... 201 FINACCORD (12/2017) XIV
for consumers in Turkey, 2016 (table)... 202 14.0 UK... 203 Summary of actual and potential distributor organisations researched in the UK, segmented by type, 2017... 204 Provision rates for road assistance in the UK, segmented by type of organisation, 2017... 205 Operating models used for road assistance in the UK, segmented by type of organisation, 2017... 206 Operating models used for road assistance in the UK, segmented by type of organisation, 2017 (table)... 207 Competitor share of partnerships for road assistance in the UK, 2017: car manufacturer brands... 208 Competitor share of partnerships for road assistance in the UK, 2017: motor insurance brands... 209 Gross written premiums and other revenues from road assistance for consumers in the UK, 2016, plus forecast to 2020... 213 Gross written premiums and other revenues from road assistance for consumers in the UK, segmented by distribution channel, 2016... 214 in the UK, segmented by distribution channel, 2016, plus forecast to 2020... 215 for consumers in the UK, 2016... 217 for consumers in the UK, 2016 (table)... 218 FINACCORD (12/2017) XV