annexe a research into payment protection insurance in the uk non confidential version prepared for office of fair trading oft by london economics october 2006 oft869a page i contents executive summary iii 1 introduction background 2 terms reference study 3 structure report relevant market definition 4 principles practical aspects 6 and overview ppi 8 5 organisation sector 11 secondary products 15 7 consumer credit 16 size growth 29 9 analysis product 42 10 geographical extent 81 83 characteristics 84 rivalry 108 performance 141 ii identification additional data required 148
