Payment Protection
Insurance (PPI)
Provisional findings report
Published: 05.06.08
Provisional
findings report
Appendices
Appendix
1.1: Terms of reference
Appendix
1.2: The Citizens Advice super-complaint
Appendix
1.3: Conduct of the CC investigation
Appendix
2.1: PPI policies—characteristics
Appendix
2.2: Characteristics of PPI for different credit products
Appendix 2.3: Short-term income protection—is it a form of PPI?
Appendix
2.4: PPI and its alternatives
Appendix
2.5: PPI and regulation
Appendix
2.6: Characteristics of consumers of PPI
Appendix
2.7: Company synopses
Appendix
2.8: Parties that have provided evidence during the course of our investigation
Appendix
2.9: PPI value chain
Appendix
2.10: Advantages of single-premium PPI policies
Appendix
3.1: Evidence for market definition
Appendix
3.2: Analysis of PPI price increases for MPPI, PLPPI and CCPPI
Appendix
3.3: Analysis of PPI price increases—methodology and results
Appendix
3.4: Evidence on the extent of PPI search
Appendix
3.5: The role of intermediaries in the sale of MPPI
Appendix
3.6: The extent of competitive constraint placed on PPI by alternative types of insurance products
Appendix
3.7: Complementary goods and market definition
Appendix
3.8: Use of price comparison websites
Appendix
3.9: Implications of CC GfK NOP 2008 in-home survey results for downstream market definition
Appendix
4.1: Evidence from the parties regarding the variation in PPI prices from 2002 to 2006
Appendix
4.2: PPI price dispersion
Appendix
4.3: Evidence of switching of PPI-credit combinations and stand-alone PPI
Appendix
4.4: The profitability of PPI distribution
Appendix
4.5: Profitability of PPI and credit combined and the influence of PPI income on lending policy
Appendix
5.1: Barriers and benefits to search
Appendix
5.2: Switching costs for single-premium policies
Appendix
5.3: Barriers to entry and expansion
Appendix
6.1: Competition in the underwriting market
Appendix
7.1: Vertical integration
Glossary and Glossary of company names
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