Bharat Book Bureau

Scientists are reporting evidence that certain ingredients in shampoo, detergents and other household cleaning agents may be a source of precursor materials for formation of a suspected cancer-causing contaminant in water supplies that receive water from sewage treatment plants. The study sheds new light on possible environmental sources of this poorly understood water contaminant, called NDMA, which is of ongoing concern to health officials.

Their study is in the American Chemical Society’s Environmental Science & Technology, a semi-monthly journal.
BritishWW button Wastewater Containing Household Detergents & Shampoos May Form Harmful Substance

William Mitch and colleagues note that scientists have known that NDMA and other nitrosamines can form in small amounts during the disinfection of wastewater and water with chloramine. Although nitrosamines are found in a wide variety of sources — including processed meats and tobacco smoke — scientists know little about their precursors in water. Past studies with cosmetics have found that substances called quaternary amines, which are also ingredients in household cleaning agents, may play a role in the formation of nitrosamines.

Their laboratory research showed that when mixed with chloramine, some household cleaning products — including shampoo, dishwashing detergent and laundry detergent — formed NDMA. The report notes that sewage treatment plants may remove some of quaternary amines that form NDMA. However, quaternary amines are used in such large quantities that some still may persist and have a potentially harmful effect in the effluents from sewage treatment plants.

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Affinity and Partnership Marketing in UK Accident and Health Insurance

Finaccord’s report titled Affinity and Partnership Marketing in UK Accident and Health Insurance represents the most detailed research ever undertaken on this sector and is one of seven studies in a new series of publications. Drawing on the results of a survey of 2,500 organisations, the report analyses the penetration, operating models and partner market shares of affinity and partnership marketing schemes for accident and health insurance across a range of distributor categories. These include banks, building societies, charities, friendly societies, Internet, media and telecoms entities, on-line aggregators and brokers, professional associations, retailers, trade associations and trade unions. Moreover, the PartnerBASE™ database that accompanies the report provides the granular detail behind the analysis, detailing each of the more than 300 affinity and partnership marketing initiatives traced by Finaccord in this sector. In the context of this report, accident insurance embraces all types of policy usually encompassed by the definition, including personal accident insurance, accidental death insurance, accident cash plans and serious injury plans, but with the exception of creditor or payment protection insurance. In a similar vein, health insurance refers to dental expenses policies, health cash plans and private medical insurance but, again, omits creditor or payment protection insurance. You may be able to use this report and associated PartnerBASE™ database in one or more of the following ways: - drill down into the detail lying behind affinity and partnership marketing schemes for accident and health insurance in the UK; - gain access to research that chronicles the vast majority of affinity marketing opportunities in accident and health insurance; - benchmark the competitive position of your own organisation in affinity and partnership marketing of accident and health insurance and spot opportunities for displacing rivals; - gain a wider perspective from learning about recent innovations in partnership marketing of insurance in continental Europe and Ireland; - plan your future affinity and partnership marketing strategy for accident and health insurance armed with the best market and competitor intelligence available on this subject. Together, the report and PartnerBASE™ database will provide you with the definitive guide to current and potential affinity and partnership marketing opportunities in UK accident and health insurance.

TABLE OF CONTENTS

0.0 EXECUTIVE SUMMARY2
Research background and structure 2
Accident and health insurance embraces a variety of different types of protection policy 2
A majority of affinity marketing schemes for accident insurance are organised through brokers2
although AIG and HMCA are identifiable as the leading specialist providers in this field3
Over a quarter of organisations surveyed in 18 sub-categories offer health insurance3
with BUPA emerging as the provider with the highest outright number of exclusive partnerships 4
Key success factors for affinity marketing in accident and health insurance vary by type of policy 4
and there is scope for comparing developments in the UK with those in continental Europe4

1.0 INTRODUCTION6
Finaccord6
UK affinity and partnership marketing publications6
Other UK consumer research publications 6
PartnerBASE™ 7
Definitions7
Rationale 8
The channels used to distribute financial products and services in the UK continue to proliferate8
with on-line affinity and partnership marketing having growing rapidly in importance of late 8
Methodology10
Errors, omissions and limit of liability 11

2.0 MARKET OVERVIEW13
Affinities and partnerships in UK accident and health insurance13
Over 10% of organisations surveyed in nine sub-categories promote accident insurance13
with most schemes organised through brokers rather than placed directly with underwriters15
Affinity programs for health insurance are more widespread than those for accident insurance17
with BUPA having established the highest outright number of deals with partner organisations 19

3.0 NOT-FOR-PROFIT AFFINITY GROUPS21
31 Charities21
Introduction21
Analysis of partnerships 21
Three charities are engaged in marketing accident and health insurance policies to supporters21
intune’s main target market is the affluent over-50 age group served by Saga23
and the company is interested in working with suppliers that fulfil a variety of criteria23
intune is employing a multi-channel distribution strategy including the charity’s high street outlets 23
as it seeks to reach an operating profit of £15 million per annum by 2012 23
33 Professional associations 24
Introduction24
Over 50 professional associations possess in excess of 5,000 individual members 24
Analysis of partnerships 27
The vast majority of professional associations offering motor insurance do so through a broker27
with Parliament Hill having expanded its roster of member benefits clients to 11 associations27
A further three brokers each claim to more than one deal in the professional association segment27
Almost a half of associations have organised health insurance schemes for their members29
BUPA and HMCA rank among the foremost providers to the professional association sector29
although other protagonists including Benenden Healthcare and WPA are also active 29
34 Sports organisations 31
Introduction31
Analysis of partnerships 31
Perkins Slade has carved out a strong position for itself in the sports organisation sector31
having been appointed as the approved insurance broker to the CCPR31
although at least a dozen other firms are also active as affinity providers in this market 31
HMCA has begun to establish schemes for health insurance with sports organisations 33
35 Trade associations34
Introduction34
Analysis of partnerships 36
Over 5% of trade associations have organised the provision of stand-alone accident insurance36
although the provision rate for health insurance is nearly three times higher 37
BUPA and Private Health Partnership are most commonly used by trade associations 37
Private Health Partnership has built up a portfolio of around 8,000 mainly corporate clients 37
36 Trade unions 39
Introduction39
Analysis of partnerships 41
AIG has established several distribution deals for accident insurance with trade unions 41
A number of trade unions have organised propositions in the area of health insurance43
with both BUPA and Simplyhealth’s HSA each claiming more than one affinity partnership43
37 Other not-for-profit affinity groups45
Introduction45
Lifestyle organisations 45
The Countryside Alliance collaborates with RK Harrison for specialist accident insurance45

4.0 FINANCIAL PARTNERS 47
41 Banks47
Introduction47
Analysis of partnerships 48
Only a handful of retail banks in the UK offer accident insurance on a stand-alone basis48
although a significant amount of behind-the-scenes tele-marketing is also taking place49
which also extends to lower cost health policies in addition to private medical insurance 49
42 Building societies51
Introduction51
Analysis of partnerships 52
Building societies display limited visible interest in non-creditor accident and health insurance52
43 Credit cards and premium accounts53
Introduction53
Analysis of partnerships 53
Accident and health insurance coverages are rarely packaged with banking products53
although Alliance & Leicester’s Premier 50 Health Benefits concept is an innovative service53
44 Credit unions55
Introduction55
Analysis of partnerships 56
Norwich Union accesses the credit union market as the approved supplier of CUNA Mutual56
although the Scottish Police Credit Union has also established an affinity link with BUPA56
45 Friendly societies 58
Introduction58
Analysis of partnerships 59
Friendly society involvement in accident and health insurance remains almost entirely internal59
46 Insurance companies 60
Introduction60
Analysis of partnerships 61
PruHealth is aiming for an overall market share of 10% in private medical insurance by 201161
47 On-line aggregators and brokers 62
Introduction62
Analysis of partnerships 63
Chase Templeton’s Preferred Medical is the partner of both Confusedcom and The Motley Fool 63
48 Specialised lenders64
Introduction64
Analysis of partnerships 65
American Express has linked with Aetna’s Goodhealth Worldwide for an expatriate health policy65

5.0 COMMERCIAL ENTITIES67
51 Automotive associations 67
Introduction67
Analysis of partnerships 68
Through First Assist, RAC is marketing a travel-related accident insurance policy68
52 Cricket and rugby clubs69
Introduction69
Analysis of partnerships 69
Cricket and rugby clubs have no involvement in either accident or health insurance69
albeit both cricket and rugby attract sponsors from the financial services sector 69
53 Football clubs 70
Introduction70
Analysis of partnerships 70
Football clubs display little appetite for affinity marketing of either accident or health insurance70
54 Internet, media and telecoms entities72
Introduction72
Analysis of partnerships 73
ACE European Group maintains a link with Candis for personal accident insurance73
Moneysupermarketcom and Insurancewidecom account for a majority of media affinities74
55 On-line price comparison providers 75
Introduction75
Analysis of partnerships 76
Only PriceRunner has established a searching facility for health insurance under its own brand76
56 Retailers77
Introduction77
Analysis of partnerships 78
Retailers appear to remain wary about acting as partners for accident or health insurance78
although PruHealth’s alliance with Boots could be a key turning point in the affinity market 78
The Boots web site is the most frequently visited health and wellness site in the UK78
and the initial results from the partnership have been encouraging in a variety of ways78
Greenbee will allow the John Lewis Partnership to expand its share of total client expenditure 79
Fit with the values of the John Lewis Partnership has been key to selection of affinity partners80
57 Other commercial entities81
Introduction81
Branded conglomerates81
Saga and Virgin leverage their brands across the full consumer financial services spectrum81
Loyalty schemes82
The loyalty schemes category extends to a range of diverse travel and other reward programs82
with several offering members the chance points through purchase of health insurance82
AIRMILES reconfigures its affinity strategy by forging a new link with Lloyds TSB83
Delivering memorable experiences continues to be key to the AIRMILES proposition83
Lloyds TSB hopes to leverage the relationship across a range of financial services 83
AIRMILES has bolstered its range of family-oriented redemption options84
and is also in the process of rolling out a policy asserting its ‘green’ credentials84
The Post Office84
The Post Office is seeking to grow its total portfolio of insurance policies to two million by 201084

6.0 EUROPEAN INNOVATIONS87
Introduction87
Events in affinity and partnership marketing in Europe, 2006 and 200787
Winter 200687
AEGON expands bancassurance reach in Spain through link with local savings bank87
Fondiaria SAI firms up link with Banca Popolare di Milano for bancassurance venture 87
Elvia reinforces position in travel insurance sector through new distribution deals 88
Estonian bank diversifies into non-life bancassurance by establishing captive company88
AIB and Aviva finalise Irish bancassurance deal by combining life insurance firms88
AXA and Adeslas co-operate for health insurance distribution in Spain 89
Cattolica and Banca Lombarda extend life insurance distribution tie to 201089
French banking and insurance partners pilot Séréna personal assistance platform89
Spring 200689
Spanish arm of CIGNA launches health insurance through Travel Club loyalty program89
Fortis health insurance  and An Post confirm Irish financial services joint venture 90
MACIF and MNRA create affinity programs for small businesses in France90
Mapfre and Caja de Madrid extend scope of co-operation to automotive finance 90
Proteq ties with leading Dutch pharmacy chain for affinity insurance venture 90
ESFG and Crédit Agricole strengthen Portuguese bancassurance ties 90
Aon and Delta Lloyd join forces for affinity insurance venture in the Netherlands91
Summer 2006 91
Fondiaria and Capitalia link for non-life bancassurance joint venture in Italy91
Mondial Assistance renews international assistance contract with Chrysler Jeep 91
Cattolica strengthens strategic bancassurance tie with BPVN in Italy91
CNP launches new permanent disability and long-term care contract with ASAC-FAPES91
BBVA and Sanitas combine in Spanish health insurance distribution deal92
AXA seals affinity insurance tie with Bertelsmann media club in Germany 92
CNP extends major bancassurance deals in France through to end 201592
Winterthur and Sanitas agree tie for health insurance distribution in Switzerland 92
Europäische expands card-related travel insurance deals in Germany92
Autumn 200692
Aon Italia rolls out new propositions for professional affinity partner 92
AXA buys major Greek bancassurance protagonist for €255 million 93
French mutuals tie for retirement savings cross-selling initiative 93
BBVA and Willis link for high net worth property insurance venture in Spain 93
Uniqa commences bancassurance joint venture in Ukraine with Credo-Classic93
German catalogue retailer commences insurance marketing venture94
AXA replaces Talanx as SEB’s new bancassurance partner in Germany94
CNP’s life assistance arm forges tie with Chèque Domicile in France94
Santander Consumer Bank improves motor insurance offer for German car buyers 94
Winter 200795
Zurich seals new manufacturer motor insurance deal with Suzuki in Germany 95
AEGON forges new bancassurance link with Banca Transilvania in Romania95
a distribution strategy also pursued by Aviva in the same country with Finansbank 95
CIGNA targets marine sports club members with health insurance proposition in Spain95
Innovative distribution deals assist Spanish insurer Mapfre at home and abroad95
French affinity broker launches new insurance policy through AOL link 96
AEGON and ERGO tie for pensions cross-selling agreement in Poland96
Mapfre takes 50% stake in Spanish savings bank insurance unit96
Cattolica finalises bancassurance agreement with Banca Popolare di Vicenza96
Mondial Assistance establishes distribution agreement with Sanyres in Spain97
VIVAS Health secures distribution link with Hibernian Direct in Ireland 97
Tie with statutory health insurer in Germany pays dividends for HUK Coburg97
Caisses d’Épargne and MACIF roll out individual health insurance contracts in France 98
Generali acquires bancassurance companies in Austria from BAWAG PSK98
Spring 200798
ADAC and Zurich disclose launch joint venture insurance company in Germany98
Mapfre seals major bancassurance deals with Bankinter and BBVA in Spain98
Folksam and Swedbank initiate new bancassurance collaboration in Sweden99
AXA acquires stakes in Monte dei Paschi di Siena bancassurance firms 99
Allianz links with Ferrari for car insurance policies in Germany 99
Groupe Caisse d’Épargne and HSBC assume control of French bancassurance firms99
AIB kicks off on-line motor insurance venture with Hibernian in Ireland99
Fondiaria SAI forges Italian bancassurance joint venture with Banca Italease99
Summer 2007 100
Generali and leading fuel retailer link for affinity tie in German insurance 100
Aviva rolls out a trio of new bancassurance deals in Italy, Poland and Spain 100
AEGON and Mapfre finalise bancassurance agreements with Spanish savings banks 101
Vienna Insurance Group links with OMV in ten countries in Central Europe 101
La Caixa buys 50% stake held by Fortis health insurance in long-standing Spanish joint venture 101
Deutsche Postbank and Talanx extend German bancassurance link for 15 years 101
ACE European Group sets up life company for continental affinity insurance initiatives 102
National Suisse and Coop Bank agree insurance co-marketing initiative 102
Sogecap commences bancassurance operations in Bulgaria and Greece 102
Groupama initiates link with integrated Internet and telecoms provider in France 102
Intesa Sanpaolo rolls out new approach to bancassurance in domestic market 102
Citroën entrusts own-brand road assistance service to Mondial Assistance 103
ING takes control of Greek bancassurance joint venture as a part of ten year deal 103
Royal & SunAlliance targets Eastern Europe and Russia through GDII joint venture 103
Crédit Agricole buys 60% stake in non-life bancassurance entity from AGF 104
Generali and PPF Group commence joint venture deal in Central and Eastern Europe 104
Banco Popolare and Fondiaria SAI finalise new bancassurance joint venture in Italy 104
Autumn 2007 104
Zurich links with TomTom for Europe-wide motor insurance distribution venture 104
Mondial Assistance secures international travel insurance ties with Eurostar and KLM 104
Genertel signs affinity insurance agreement with low-cost airline in Italy 105
Groupama forges joint venture with software house for co-marketing in France and abroad 105
If P&C plans tie with Finnish retailer’s loyalty program from June 2008 onwards 105
Allianz Suisse initiates manufacturer-branded insurance co-operation with Volkswagen 105
Deutsche Postbank secures non-life bancassurance agreement with HUK-Coburg 106

GRAPHICS / TABLES

The affinity and partnership marketing universe 9
Entities contacted for the research, segmented by broad category 10
Affinity and partnership marketing schemes for accident insurance in the UK: penetration by type of partner 14
Affinity and partnership marketing schemes for accident ins in the UK: segmentation by op model and comp 16
Affinity and partnership marketing schemes for health insurance in the UK: penetration by type of partner 18
Affinity and partnership marketing schemes for health ins in the UK: segment by op model and competitor 20
Charities offering accident and health insurance through partnerships 22
Ranking of professional associations in the UK by actual or approximate number of members 25
Ranking of professional associations in the UK by actual or approximate number of members (continued) 26
Professional associations offering accident insurance: penetration, operating models and partner market shares 28
Professional associations offering health insurance: penetration, operating models and partner market shares 30
Sports organisations offering accident insurance: penetration, operating models and partner market shares 32
Sports organisations offering health insurance: penetration, operating models and partner market shares 33
Ranking of the top 50 trade associations in the UK by actual or approximate number of members 35
Trade associations offering accident insurance: penetration, operating models and partner market shares 36
Trade associations offering health insurance: penetration, operating models and partner market shares 38
Ranking of trade unions in the UK by actual or approximate number of members 40
Trade unions offering accident insurance: penetration, operating models and partner market shares 42
Trade unions offering health insurance: penetration, operating models and partner market shares 44
Lifestyle organisations offering accident insurance through partnerships 45
Banks offering accident insurance: penetration, operating models and partner market shares 48
Banks offering health insurance: penetration, operating models and partner market shares 50
Building societies offering accident and health insurance through partnerships 52
Credit cards and premium accounts offering accident and health insurance through partnerships 54
Credit unions offering health insurance: penetration, operating models and partner market shares 57
Friendly societies offering accident insurance through partnerships 59
Insurance companies offering health insurance through partnerships 61
On-line aggregators and brokers offering health ins: penetration, operating models and partner market shares 63
Specialised lenders offering accident and health insurance through partnerships 65
Automotive associations offering accident insurance through partnerships 68
Football clubs offering accident and health insurance through partnerships 71
Internet, media and telecoms entities offering accident insurance through partnerships 73
Internet, media and telecoms entities offering accident ins: penetration, op models and partner market shares 74
On-line price comparison providers offering health insurance through partnerships 76
Retailers offering accident and health insurance through partnerships 79
Branded conglomerates offering accident and health insurance through partnerships 82
Loyalty schemes offering health insurance through partnerships 83

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The Freight industry has become a major part of the UK economy, due to a continuous increase in domestic consumption of food products, pharma and healthcare products. Refrigeration Road Transport includes transportation of food products (fresh, frozen or chilled), pharmaceutical products, and plants/flowers. The type of vehicles used for such refrigerated transportations are refrigerated trailers, refrigerated trucks that include heavy & small trucks and refrigerated vans. In the last five years, there has been an increase in the usage of semi-trailers, compared to the usage of normal trailers. The main characteristics of a Refrigeration Road Transport are its ability to deliver products in best quality. There has been a lot of change in the equipment used and technology adopted in the vehicles. The main aim of the advancements is to reduce carbon emissions, noise pollution etc., and to create an environmental-friendly transport, with low fuel consumption, thus helping in environmental management and environmental protection.

This report provides an insight into the global industry and a detailed analysis of the UK Refrigerated Road Transport industry. It provides forecasts for the UK Refrigerated Road Transport industry from 2008-2012. The segmentation of the Refrigerated Road Transport market on the basis of Rental/Hired and Owned vehicles and capacities of the vehicles can be conferred from the report. It analyses the trends in the pricing of rental/hired, contracted, or purchased Refrigerated Road Transport vehicles. In addition, the percentage of rental/hired and owned vehicles as well as the growth drivers and inhibitors of the industry are discussed. This report also profiles the major players in the UK Refrigerated Road Transport industry.

TechNavio Insights is a set of reports based on TechNavio – a market intelligence platform for the IT industry. It builds on the intelligence available within TechNavio, and leverages on the custom research experience of the ”Technology Navigators”. TechNavio is built on years of experience of Infiniti Research in deep dive custom research and consulting for over 30 Fortune 500 companies and numerous large and mid-sized companies.

Table of Contents:

1. Refrigerated Road Transport Vehicles
Scope of the report
2. Market Overview
2.1 Global Scenario – Refrigerated Road Transport
3. UK Present Scenario - Refrigerated Road Transport
3.1 Forecasts
4. Segmentation
4.1 Segmentation: Rental/Hired vs. Owned
4.2 Segmentation: Capacities of the vehicles
5. Trends
6. Growth Drivers & Inhibitors
6.1 Growth Drivers
6.2 Inhibitors
7. Price Points and Trends
7.1 Hiring
7.2 Purchase
8. Major Players
8.1 Petit Forestier
8.2 Northgate plc
8.3 Fraikin
8.4 Other players

List of Exhibits
Exhibit 3.1: UK Refrigerated Transport Market Overview - Number of Vehicles
Exhibit 3.2: UK Refrigerated Transport- Forecasts of number of vehicles till 2012
Exhibit 4.1: UK Refrigerated Transport- Percentage of rental/hired vehicles vs. owned vehicles
Exhibit 4.2: UK Refrigerated Transport- Segmentation based on capacities of the vehicles
Exhibit 7.1: Capacities of the vehicle vs. Rental charges per day
Exhibit 7.2: Capacities of the vehicles vs. purchasing price

For more information kindly visit
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UK Refrigerated Road Transport Market

The Freight industry has become a major part of the UK economy, due to a continuous increase in domestic consumption of food products, pharma and healthcare products. Refrigeration Road Transport includes transportation of food products (fresh, frozen or chilled), pharmaceutical products, and plants/flowers. The type of vehicles used for such refrigerated transportations are refrigerated trailers, refrigerated trucks that include heavy & small trucks and refrigerated vans. In the last five years, there has been an increase in the usage of semi-trailers, compared to the usage of normal trailers. The main characteristics of a Refrigeration Road Transport are its ability to deliver products in best quality. There has been a lot of change in the equipment used and technology adopted in the vehicles. The main aim of the advancements is to reduce carbon emissions, noise pollution etc., and to create an environmental-friendly transport, with low fuel consumption, thus helping in environmental management and environmental protection.

This report provides an insight into the global industry and a detailed analysis of the UK Refrigerated Road Transport industry. It provides forecasts for the UK Refrigerated Road Transport industry from 2008-2012. The segmentation of the Refrigerated Road Transport market on the basis of Rental/Hired and Owned vehicles and capacities of the vehicles can be conferred from the report. It analyses the trends in the pricing of rental/hired, contracted, or purchased Refrigerated Road Transport vehicles. In addition, the percentage of rental/hired and owned vehicles as well as the growth drivers and inhibitors of the industry are discussed. This report also profiles the major players in the UK Refrigerated Road Transport industry.

TechNavio Insights is a set of reports based on TechNavio – a market intelligence platform for the IT industry. It builds on the intelligence available within TechNavio, and leverages on the custom research experience of the ”Technology Navigators”. TechNavio is built on years of experience of Infiniti Research in deep dive custom research and consulting for over 30 Fortune 500 companies and numerous large and mid-sized companies.

Table of Contents:

1. Refrigerated Road Transport Vehicles
Scope of the report
2. Market Overview
2.1 Global Scenario – Refrigerated Road Transport
3. UK Present Scenario - Refrigerated Road Transport
3.1 Forecasts
4. Segmentation
4.1 Segmentation: Rental/Hired vs. Owned
4.2 Segmentation: Capacities of the vehicles
5. Trends
6. Growth Drivers & Inhibitors
6.1 Growth Drivers
6.2 Inhibitors
7. Price Points and Trends
7.1 Hiring
7.2 Purchase
8. Major Players
8.1 Petit Forestier
8.2 Northgate plc
8.3 Fraikin
8.4 Other players

List of Exhibits
Exhibit 3.1: UK Refrigerated Transport Market Overview - Number of Vehicles
Exhibit 3.2: UK Refrigerated Transport- Forecasts of number of vehicles till 2012
Exhibit 4.1: UK Refrigerated Transport- Percentage of rental/hired vehicles vs. owned vehicles
Exhibit 4.2: UK Refrigerated Transport- Segmentation based on capacities of the vehicles
Exhibit 7.1: Capacities of the vehicle vs. Rental charges per day
Exhibit 7.2: Capacities of the vehicles vs. purchasing price

For more information kindly visit
http://www.bharatbook.com/Market-Research-Reports/UK-Refrigerated-Road-Transport-Market.html

This report is an invaluable source of information on the UK travel insurance market. It provides unique market size information and discusses the main challenges and trends facing travel insurance providers. It also analyses which underwriters are leading the way in this market and forecasts what the future holds for the sector over the next four years.
Scope of this research

GWP forecasts to 2013, based on Datamonitor’s in-house expertise and proprietary model.
Insight into the main competitive developments taking place in the UK travel insurance market.
A detailed analysis of the marketing spend of the top 10 UK travel insurance advertisers.

Research and analysis highlights

The number of visits abroad by UK residents decreased by 16.6% between Q1 2008 and Q1 2009, from 18.2 million to 15.2 million. This is considerably different to trends in previous years, which have witnessed consistent growth in the first quarter of each year.

In 2008, advertising expenditure continued to increase in the travel insurance market to £7.7m, which can be attributed to competitors increasing their spending on outdoor advertising. Spending on outdoor advertising displayed significant growth in 2008, with spending on this type of media increasing by 307.3% to £1.3m.

The travel insurance market witnessed a small improvement in its gross loss ratio, which reduced by 0.7 percentage points from 65.4% to 64.7%. Growth in premium income was the main driver of this improvement, which grew by a larger proportion than claims incurred.
Key reasons to purchase this research

Plan your future travel insurance strategy using Datamonitor’s market size forecasts.
Gain an understanding of changing consumer attitudes and behaviors amid the downturn in order to determine appropriate recessionary strategies.
Benchmark your travel insurance business against the competition.

Table of Contents :

OVERVIEW
Catalyst
Summary

EXECUTIVE SUMMARY
The recession has changed consumer attitudes towards travel, resulting in a negative impact on premiums
The travel insurance market grew to £763m in 2008
Consumers have reduced their number of trips abroad due to a tougher economic climate
The level of detected fraud has increased in the UK travel insurance market
Travel insurance providers spent £3m on advertising in the first half of 2009
Marketing and advertising increased to £7.7m in 2008 but fell in the first half of 2009
Direct mail continued to be the dominant form of advertising in H1 2009
The overall number of visits abroad has fallen but consumers have increased their travel to non-European destinations
The number of visits abroad fell to 69 million in 2008
The number of visits abroad fell by 16.6% from Q1 2008 to Q1 2009
A decrease in annual policy sales and strong competition will lead to slower growth in GWP
Sales of annual policies are forecast to fall in 2009, constraining premium income growth
Rates are expected to rise in the market, though strong competition will limit the level of growth achieved

MARKET CONTEXT
Introduction
The recession has changed consumer attitudes towards travel, placing an impact on premiums
Consumers have reduced their number of trips abroad due to a tougher economic climate
Recessionary product innovation and marketing is evident in the travel insurance market
Aggregators are driving price competition in the market but have lost their appeal among insurers
The level of detected fraud has increased in the UK travel insurance market
Travel insurance GWP is estimated to have grown in 2008 despite the recession
The travel insurance market grew to £763m in 2008
The proportion of premium income generated from annual policies grew in 2008
Annual travel insurance premium rates fell significantly in 2008, while single trip prices rose
The number of travel insurance policies sold increased by 10.6% in 2008
The market was profitable in 2008, though claims inflation continued to grow claims costs
The gross loss ratio in the travel insurance market improved in 2008
Claims costs increased despite improving claims frequency
The average cost of a travel insurance claim increased significantly in 2008
Medical expenses continued to constitute the largest cost to the industry
The FSA began regulating travel agencies and airlines selling travel insurance alongside bookings
Five authorized firms have been created since January 2009
The FSA has begun scrutinizing the practice of pre-ticked travel insurance by travel firms and airlines
Insurers have voiced concern over the Equality Bill

CUSTOMER FOCUS
Introduction
The overall number of visits abroad has fallen but consumers have increased their travel to non-European destinations
The number of visits abroad fell to 69 million in 2008
The number of visits abroad fell by 16.6% from Q1 2008 to Q1 2009
More consumers are visiting Asian, Latin American and African countries
Business related travel abroad declined by 1.1% in 2008
The number of holidays taken abroad by UK residents only rose by 0.2% in 2008
Travel insurance providers spent £3m on advertising in the first half of 2009
Marketing and advertising increased by 2% to £7.7m in 2008 but fell in the first half of 2009
Direct mail continued to be the dominant form of advertising in H1 2009
The top 10 travel advertisers collectively spent £2.5m on advertising their products in H1 2009
The Post Office significantly increased its advertising spend on travel insurance products in 2008

COMPETITIVE DYNAMICS
Introduction
Corporate partnerships remain a key element of travel insurance distribution in 2009
AXA secured two travel related partnerships in 2009
Mondial Assistance secured a partnership with Expedia.com
FirstAssist partnered with Confused.com
Liverpool Victoria and the Nationwide Building Society entered a new partnership in 2008
Product innovation continues to be a key competitive strategy among travel insurance providers
Equity has launched travel insurance products tailored to travelers diagnosed with cancer
LV= launched a new travel insurance policy in May 2008
Groupama launched a new travel insurance policy for SMEs in January 2008
Insure and Go has launched a green insurance policy that includes carbon offsets
AXA, Aviva, RBS, Fortis and AIG are the top 5 players in the UK travel insurance market
AXA is the clear market leader in UK travel insurance
Aviva and RBS have a strong hold over the number 2 and 3 positions in the market
Munich Re, AIG, Groupama, and BUPA reported growth in their premium income in 2008

FUTURE DECODED
A decrease in annual policy sales and strong competition will lead to slower growth in GWP
Sales of annual policies are forecast to fall in 2009, constraining premium income growth
Rates are expected to rise in the market, though strong competition will limit the level of growth achieved
The UK travel insurance market is forecast to reach £847m in GWP by 2013
GWP is forecast to contract to £747m in 2009 due to the recession reducing the number of trips abroad
The market will grow to £847m in GWP by 2013

APPENDIX
Supplementary data
Competitive Dynamics
Definitions
Brokers
Bancassurers
Brandassurers
Gross written premiums
Geographical areas
Research methodology
Primary research
Market context
Customer focus
Further reading
Ask the analyst
Datamonitor consulting
Disclaimer

TABLES
Table: Travel insurance repudiation rates by volume and value, 2006–08 (%)
Table: GWP in the travel insurance market, 2004–08 (£000s)
Table: UK travel insurance GWP split by policy type, 2004–08 (%)
Table: UK travel insurance premium rates, 2004–08 (£)
Table: Number of travel insurance policies written, 2004–08 (000s)
Table: Gross loss ratios by line of business, 2004–08 (%)
Table: UK travel insurance claims volume, costs and frequency 2004–08
Table: UK travel insurance claims by peril 2004–08
Table: Number of visits abroad by UK residents, 2004–08 (000s)
Table: Number of visits abroad by UK residents by quarter, 2006–Q1 09 (000s)
Table: UK residents’ visits abroad by destination, 2004–08 (000s)
Table: UK residents’ visits abroad by reason for travel, 2004–08 (000s)
Table: Total number of holidays by UK residents, 2004–08 (000s)
Table: UK travel insurance advertising spend, 2004–H1 2009 (£)
Table: Top 10 UK travel insurance advertisers by medium, H1 2009 (£)
Table: Top 10 UK travel insurance advertisers, 2006–H1 2009 (£)
Table: Top 10 UK travel insurers by GWP, 2008 (£000s)
Table: Top 10 UK travel insurers by market share, 2008 (%)
Table: Key variables affecting travel insurance GWP, 2009–13
Table: UK travel insurance GWP, 2004–13f, (£000s)
Table: UK travel insurance competitors by premium income, 2005–08 (£000s)
Table: Relationships between travel underwriters and major tour operators, 2009
Table: Relationships between travel underwriters and online travel agents, 2009
Table: Relationships between travel underwriters and low cost airlines, 2009
Table: Relationships between travel underwriters and banks and building societies, 2009
Table: Relationships between travel underwriters and selected brandassurers, 2009

FIGURES
Figure: The number of visits abroad by UK residents has been falling steadily since 2006
Figure: Financial failure cover will be appealing to consumers travelling in a recession
Figure: Travel insurance repudiation rates have increased by value significantly in 2008
Figure: GWP reached £763m in the UK travel insurance market in 2008
Figure: The proportion of GWP derived from annual travel policies grew in 2008
Figure: Travel insurance premium rates have decreased significantly over the last five years
Figure: The number of travel insurance policies sold in 2008 increased to 23.2m
Figure: The gross loss ratio in the travel insurance market improved in 2008
Figure: Claims inflation drove claims costs up in 2008
Figure: Medical expenses constituted the largest cost to the travel insurance industry in 2008
Figure: The number of visits abroad by UK residents has been falling steadily since 2006
Figure: The number of visits abroad declined significantly between Q1 2008 and Q1 2009
Figure: Visits to Australia by UK residents declined in 2008
Figure: Business related visits abroad have decreased among UK residents in 2008
Figure: Visits abroad remained relatively static in 2008
Figure: Spending on outdoor advertising has increased significantly since 2007
Figure: Direct mail accounted for more than half the total advertising spend on travel insurance products in H1 2009
Figure: Saga spent the most on advertising in the travel insurance market in H1 2009
Figure: Equity launched Insureblue which offers tailored travel products to consumers in the UK who have been diagnosed with testicular and prostate cancers
Figure: AXA held the largest share in the UK travel insurance market
Figure: Travel insurance GWP is forecast to contract in 2009 before growing again thereafter

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Future of UK Protection 2009

Introduction

The current economic turmoil, characterized by plummeting share prices and a troubled housing market, is in some areas having a positive impact on the protection market. In spite of current challenges, providers can capitalize on consumers’ realization of the value of term, income protection and critical illness insurance through simplification of products and expansion of distribution channels.

Scope of this research

Examines the current shape of the protection industry and explore factors that are currently limiting new business.

Assesses strategies to combat barriers to consumer engagement with term, critical illness insurance and income protection.

Identifies key competitors and examines their differing strategies in the UK protection market.

Research and analysis highlights
The need to focus on customer education from all industry parties has never been more urgent. In particular, advisors are well placed to sell protection and educate customers to its importance.

Key reasons to purchase this research

Gain valuable insight into how to react to the latest innovations and developments in the protection market.

Understand the protection market, the distribution trends and the key drivers of new business for term, CII and IP.

Access Datamonitor’s forecasts for the market and valuable knowledge of how the sector is set to develop.

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This report provides a collection of statistical data and forecasts on the UK Market for Beds and Bedding. It contains information on the value of manufacturers’ deliveries for all sectors of this market. The report also covers distribution channels, advertising and trade exhibitions. Major important manufacturers are profiled.

Growth in the UK domestic furniture industry continued in 2004, with sales increasing by 3.1% (or £145m in value terms), reaching a value of £5000m.  However, 2005 proved to be an extremely poor year for the industry, with sales declining by around 4% and several major companies going into liquidation. Preliminary estimates for 2006 suggest that sales reached £4950m. This is up from £4870m in 2005, an increase of only £80m or 1.6%. Producer prices advanced by around 1-2% during the year.

Few manufacturers improved sales in 2005 or 2006 and margins were again under pressure, although the major retailers such as Ikea, DFS, Argos and John Lewis improved their positions in the market.   To some extent they had been helped by the previous demise of competitors such as Uno, World of Leather, Kingsway, Landmark and more recently Courts Allders, and Furnitureland.

Sales of beds reached £605m in 2006, compared to £600m in 2005 and £620m in 2004, accounting for 12% of the total market in 2006. This is marginally less than the 13% market share that this product group held in 1990.

In value terms sales of divan sets reached £235m in 2006, accounting for 39% of the total market, whereas sales of bedsteads with mattress reached £135m in that year, accounting for 22% of the market.

In volume terms sales of divan sets reached 1.14m in 2006, accounting for 30% of the total market, whereas sales of bedsteads with mattress reached 0.85m in 2005, accounting for 22% of the market.

It is estimated that 60% of double divans and 55% of single divans consist of storage products, with the majority of the former containing 4 drawers and the majority of the latter having 2 drawers.

The leading retailers of beds in 2005 were Bensons for Beds (15.2%), Argos (11.0%), Dreams (9.0%) and Ikea (7.6%).

The leading manufacturers of beds are Soundersleep Ltd, previously known as Silentnight (with the Silentnight, Sealy, Perfecta, Pocket Spring, Rest Assured brands and so on),  Steinhoff UK Beds Ltd (Relyon and Sprung Slumber), Hilding Anders UK plc (Slumberland and Dunlopillo and Simmons Bedding Group plc (Sleepeezee,Nestledown and Cumfilux).

Imports of beds reached £81.4m (at Manufacturers’ Selling Prices) in 2005, compared to £75.3m in 2004. Imports currently account for 15% of the total beds market.

The market for beds is forecast to reach £620m in 2007 and £635m in 2008, indicating an annual increase of 2.5% in 2007 and a further increase of 2.4% in 2008.   By the end of the period beds are expected to account for 12.3% of the total domestic furniture market.

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This report of the UK Kitchen Furniture and Kitchen Cabinet Market by Business & Research Associates provides a collection of statistical data and forecasts on the kitchen furniture industry in Britain. It contains information on the value of manufacturers’ deliveries for all sectors of this market. The report also covers distribution channels, advertising and trade exhibitions. Major important manufacturers are profiled.

This report covers the domestic sector of the kitchen furniture market and embraces products supplied for houses or flats whether public or privately owned or rented. We have excluded, therefore, such furniture installed in hotels, offices, government buildings and so on.

After the poor performance of the domestic furniture industry in 1999, results in the following years up to 2004 showed healthy improvements. Total sales increased by almost 5% (or £210m) in 2002, with producer prices being fairly static or even declining within certain sectors. Sales in 2003 have grown by 4.1% (or £190m) and by about 3.0% in 2004, before declining by 2.6% in 2005, the first fall in the market for many years. Estimates show that sales reached £4990m in 2006, an increase of £120m or 2.5%.

As far as kitchen furniture is concerned there have been modest increases in both volume and value terms in the period since 1999, even increasing sales in 2005 against the trend for domestic furniture generally. Nevertheless, competition has remained fierce throughout the industry, and several companies have gone into receivership.

Total sales of kitchen furniture reached £1155m in 2006, compared to £1100m in 2005 and £1070m in 2004; this product group currently accounts for 23% of the total domestic furniture market.

In volume terms the total number of fitted kitchen furniture installations has increased slowly in recent years, reaching 1,050,000 units in 2006, compared to 1,023,000 units in 2005 and 974,000 units in 2004. Sales of built-in units, mainly base and sink units, moved from £520m in 2004 to £560m in 2006, whilst sales of storage furniture, mainly wall units increased from £465m to £505m in the same period.

The emphasis within the furniture industry has moved consistently from manufacturing to retailing over the last decade, although within the kitchen furniture sector, companies such as MFI (Hygena and Schreiber), Magnet, Moben, Smallbone and so on have combined both functions.

The established major kitchen furniture manufacturers are accounting for a growing share of the market. Despite this there have been new manufacturers and retail groups keen to enter the market, a fact which only serves to fuel the competitive nature of the market.

Kitchen specialist stores account for 19% of the total market in volume terms, but 42% of the market in value terms, with independent specialists claiming 14% in volume terms and 35% in value terms. Builders’ and plumbers’ merchants have a 23% share in volume terms, but a reduced 16% in value terms. DIY outlets account for 22% of sales volume, but 13% of sales value, whilst the direct contract sector accounts for 17% of volume sales and 13% of sales value.

The private sector of the market accounts for the majority of sales of kitchen furniture with 92% of the total market in value terms. Existing dwellings in the private sector continue to provide the main source of demand with 73% of the total market, with the new build sector accounting for 19% of the total.

Imports of kitchen furniture totalled £115.1m in 2006, compared to £106.3m in 2005 and £92.8m in 2004. The penetration rate for such products within the UK market is currently 10.0% in value terms. Alno (UK) Ltd dominates this sector of the market.

Total sales of kitchen furniture are expected to reach £1175m in 2007 and £1215m in 2008, compared to the level of £1155m achieved in 2006. This product group will account for around 23% of the total domestic furniture market in value terms during the period under review. Total kitchen furniture installations are expected to reach 1,055,000 units in 2007 and 1,075,000 units in 2008; this compares with the level of 1,050,000 units achieved in 2006.

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Retail banking market report

The effects of the financial crisis will leave a permanent scar on the face of the UK retail banking landscape. This will lead to the introduction of a series of regulatory measures that could potentially lead to wholesale changes in the UK retail banking market. The crisis will also have a large effect on consumer attitudes to financial services.

Scope of this research

Assesses and scores the likelihood of different regulatory proposals to be put into practice.
Uses Datamonitor’s Consumer Trends Survey to understand the recent change in consumer attitudes and how this is likely to impact the market.
Discuss future scenarios that look at how the retail banking market will cope under two contrasting regulatory regimes.

Research and analysis highlights
Datamonitor predicts the UK banking environment will remain risk averse and conservative over the next five to ten years. The market is set to be presented with more stringent rules, meaning that financial institutions will be faced with curbs on their undertakings.

Online price comparison sites, which are generally subjected to less regulation than banks and building societies, are currently the most trusted financial institutions. Banks and building societies can learn from how online price comparison sites focus on the speed, convenience and transparency aspects of their service.

Datamonitor interviewees recognized macro-prudential measures as a key factor in the future of regulation in the UK. A macro-prudential framework essentially looks to restrain the build up of imbalances in the financial system. One of the key ways in which this is done is through a closer relationship between the regulators and the central bank.

Key reasons to purchase this research

Gain an insight into which new regulatory measures are most likely to be introduced.
Prepare for the impact these measures will have on the future of retail banking in the UK.
Delve into the mindset of consumers as they adapt to the new retail banking environment.

TABLE OF CONTENTS :

CATALYST
SUMMARY

ANALYSIS
Datamonitor predicts the UK banking environment will remain risk-averse and conservative over the next five to ten years
Lessons can be learned from past mistakes in retail banking
The current crisis is likely to result in a significant increase in the amount of regulatory intervention
Regulators are set to impose strong and potentially cumbersome regulation on financial institutions
Each proposed regulatory reform has been scored on its likelihood of implementation
The regulatory authorities are set to bring in a raft of macro-prudential measures
Macro-prudential policy will be pushed to the forefront of new regulatory principles
Micro-prudential measures for individual institutions are high on the agenda for regulatory reforms
An overhaul of mandatory capital and liquidity ratios will restrict lending
The current regulatory reform will lead to more international cooperation on regulation
Increased regulation of cross-border activity will limit the number of foreign-based competitors in the UK
Overzealous regulation could have a damaging impact on London as a major financial center
Individual product regulation is generally seen as too distortive to be beneficial
Individual product regulation is too distortive for it to be introduced effectively
Regulators look set to come down hard on hedge funds and short sellers in an attempt to curb risk taking
The current crisis has been blamed on excessively risky activities and hedge funds look set to bear the brunt of regulation
More intrusive regulation and increased communication with consumers are other measures that regulators are keen to enforce
Intrusive, direct regulation is an important change that will have a significant impact on banks
Consumer attitudes show a fundamental change in their views towards financial services providers
Consumers are reducing the amount of credit they use
Consumers are looking to save more and cut down on their credit card spending
Consumers are aware of what they should be doing during the recession although it remains to be seen how many will reach their goals
Consumers trust online price comparison sites more than banks and building societies
The future banking environment could vary significantly depending on the extent of the new regulation that is introduced
Under a conservative scenario tight regulation makes life difficult for banks and consumers
Under a liberal scenario banks will enjoy slightly more regulatory freedom, which should be beneficial for the economy

APPENDIX
Supplementary data
Definitions
Credit default swap (CDS)
Glass-Steagall Act
Macro-prudential regulation
Micro-prudential regulation
Methodology
Further reading
Ask the analyst
Datamonitor consulting
Disclaimer

TABLES
Table: Impact of potential macro-prudential regulatory measures
Table: Impact of potential micro-prudential regulatory measures
Table: The impact of cross-border regulatory measures
Table: GFCI index of top financial centers, 2007–2009
Table: The impact of individual product regulation
Table: The impact of measures to curb excessive risk-taking activities
Table: The impact of other regulatory measures
Table: Lending to individuals, Q1 1988–Q4 1996
Table: Lending to individuals, Q1 1997–Q4 2005
Table: Lending to individuals, Q1 2006–Q3 2008
Table: Household debt as a proportion of income, 1987–2007
Table: GFCI index of top financial centers, 2007–2009

FIGURES
Figure: Total lending experienced strong growth between 1992 and 2004
Figure: Household debt as a proportion of income fell away after the recession of the early 90s
Figure: The majority of consumers do not intend to use credit to fund their lifestyle
Figure: The majority of respondents said they plan to save more in the future
Figure: The majority of respondents had saved more over the last six months
Figure: Banks and building societies rank among the most trusted financial institutions

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 This report is an essential source for in-depth information and data relating to United Kingdom nephrology & urology devices market. It also offers detailed and comprehensive coverage of market revenue, volume, distribution and company share information; and latest news, financial deals and pipeline products information of each of the key sub-segments of the nephrology & urology devices in United Kingdom.

Scope

• The report provides nephrology and urology devices information broken down into detailed categories and segments in United Kingdom.

• Total revenues, products sold, end users, and average pricing.

• Market shares of all the key competitors.

• Key pipeline products that are set to shape the market, broken down by sector.

• Information on the top medical equipment companies in the sector in the country covering business description, strategic analysis, and financial information.

• Healthcare structure, regulatory environment, approval process, pricing trends and reimbursement.

• Product and brand updates, strategy changes, R&D projects, corporate expansions and contractions and regulatory changes.

• Key mergers and acquisitions, partnerships, private equity investments and IPOs.

• Customer, hospitals and physicians data.

Reasons to buy

• Gain a strong understanding of the nephrology and urology devices market in United Kingdom.

• Evaluate and compare the attractiveness of the market in the country.

• Identify growth segments and opportunities in each industry sector within the country.

• Evaluate the pipeline of key products that will change the sector, and identify threats and opportunities before the products are launched in the country.

• Analyze the competitiveness of the market in the country and identify hotspots.

• Develop strategies based on the latest product, brand, expansion and research and development news in the country.

• Do deals with an understanding of how competitors are financed, and the mergers and partnerships that have shaped the market in the country.

• Identify and analyze the strengths and weaknesses of the industry incumbents in the country.

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