Creditor metrics : consumer approaches to loan and bill protection insurance in Spain

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      <subfield code="a">Based on a survey of over 1,000 consumers, Creditor Metrics: Consumer Approaches to Payment Protection Insurance in Spain offers detailed and unique insights into the behaviour of consumers in the context of 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 Spain 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 telephone, outbound telephone and postal sales. Finally, the report analyses claims frequency across all types of creditor insurance in Spain combined broken out by reason for claim.</subfield>
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