Affinity and schemes insurance

Affinity and schemes insurance is a type of insurance that organisations can offer to their customers, members or another group of people with a common interest.

It is typically used where the organisation purchasing the insurance has some duty of care to protect those individuals against the risks they may face, but it can also be a useful way for organisations to differentiate themselves and add value for their customers or members.

We work with partners such as consumer finance organisations, shared and gig economy platforms, large membership associations, travel and vehicle hire companies, other affinity groups, specialist brokers and Managing General Agents (MGAs).

Examples of affinity and schemes insurance:

• No-added charge (NAC) travel insurance offered to banking customers as part of a packaged bank account
• Group personal accident cover, as well as maternity and paternity benefit, for gig economy workers
• Cover for accident and sickness causing disability, incapacity, or financial loss to an organisation, for example, the cost of using locum doctors or supply teachers, or temporarily replacing essential professionals
• Personal accident and/or travel insurance for sports associations
• Products designed for membership schemes, for example, cover for gym fees or football club season ticket fees where a member is unable to use their membership or season ticket as a result of sickness or injury
• Education fees in the event of injury or sickness of a student or fee-payer

In addition to our standard covers such as personal accident and leisure travel, we can provide tailored accident, health and travel solutions for customers to include additional lines of cover. As at April 2026, our affinity and schemes solutions cover more than 300,000 people across a wide variety of organisations and encompass a wide range of benefits.

• We continually strive to deliver affinity and scheme solutions that provide fair value and meet the needs of our customers and the people they are looking to cover. This includes offering bespoke or niche insurance benefits tailored to the needs of specific groups and their members. See ‘More product information’ below for details about our fair value assessment methodology
• We embrace innovative working and distribution methods, while continuing to support sophisticated structures such as multi‑territory, reinsurance and captive arrangements
• We're always considering new ways to deliver great customer service, including embracing technological solutions, such as AI
• We strive to deliver the best possible digital user experience. Through collaborating closely with partners and customers, we have designed tailored customer journeys that aim to deliver value and enhance satisfaction throughout the policy lifecycle