Investigations
Current inquiries
Payment Protection Insurance (PPI)
Provisional findings report
Published: 05.06.08
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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