Based on a survey of over 1,000 consumers, Creditor Metrics: Consumer Approaches to Loan and Bill Protection Insurance in Germany offers detailed and unique insights into the behaviour of consumers in the context of different types of creditor or payment protection insurance.
Comprising both an analytical report and a convenient data annexe in Excel format, the research covers four types of creditor policy: insurance cross-sold in conjunction with mortgages; policies cross-sold with consumer finance and personal loans; cover linked to credit cards; and bill payment protection insurance. It measures take-up rates against the relevant audience (i.e. those with the underlying lending products in the first three cases and all respondents in the fourth) and also shows the distribution channels and interfaces used by respondents in Germany to take out creditor policies. Distribution channels vary by type of creditor insurance but can include the bank or other institution making the underlying loan plus a variety of other options; distribution interfaces include face-to-face, online, inbound phone, outbound phone and postal sales. Finally, the report analyses claims frequency across all types of creditor insurance in Germany combined broken out by reason for claim.
Key features of this report include:
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Finaccord is a market research, publishing and consulting company specialising in insurance and other financial services. Finaccord is part of Aon Global Operations, Singapore Branch.