Sometimes, your toughest challenges are your greatest growth opportunities. Are you battling to keep customers and grow your revenue? Are competitors tempting new clients away?
Affinity insurance solutions
Sometimes, your toughest challenges are your greatest growth opportunities.
Are you battling to keep customers and grow your revenue? Are competitors tempting new clients away?
Traditional insurance often falls short. But what if you could offer your customers specialist insurance solutions at the point of sale? They get the protection they need for their purchase. And you strengthen client relationships while creating a new income stream.
Using technology and expertise, we complement your products with the specialist protection your customers need. They get more with their purchase. And you get stronger relationships – and a new income stream. Smart thinking, right?
What sets Lockton affinity insurance apart?
We don't just sell insurance and walk away. We work with you to build something that truly fits the needs of your business – and customers. Whether you're running a bank, selling electronics, or supporting a professional group, our insurance options add the value your customers need.

Driving results: a client story
Take one of our automotive clients. A leading Swedish car dealership network now offers customers specialised insurance at the point of sale. The cover is built around a specific car brand and complements the manufacturer's warranty, giving drivers protection that suits how they use their vehicle. The dealership has strengthened customer relationships beyond the initial sale while creating a valuable additional revenue stream.

We partner with:

Financial institutions
Banks, credit card companies, leasing companies and mortgage aggregators

Retail businesses
Electronics retailers, white goods sellers, and mobile network operators

The motor industry
Car manufacturers, dealers, and construction/agriculture machinery providers

Professional organisations
Member associations and industry groups

Utilities & travel industry
Travel agencies, airlines, and hotel chains
How we work
Designing your programme
We design a tailored affinity programme that meets your and your end customers specific needs
Implementing infrastructure
We implement the technical and operational infrastructure required
Supporting your launch
You launch with comprehensive marketing and sales support
Optimising for growth
Together, we optimise through ongoing refinement based on analysis
The Lockton difference
Advisory
Industry intelligence that spots opportunities your competitors miss. Custom-built programme designs that maximise both value, protection, revenues and profit. Compliance navigation that turns regulatory hurdles into competitive advantages.
Broking
Products engineered specifically for your customers, not off-the-shelf solutions. Tendering that drives down costs while enhancing coverage quality. Self-insurance strategies that put you in control of your risk and reward.
Technology
Digital platforms that feel like extensions of your brand. Customer journeys to boost satisfaction, retention and conversion rates. API connections that integrate seamlessly with your existing systems.
Sales and marketing
Performance tracking that turns good programmes into exceptional ones. Marketing strategies that speak directly to your customers' needs. Training tools that transform your team into affinity Insurance experts, from a product and compliance perspective.
Programme administration
Claims handling that turns moments of crisis into opportunities for loyalty. Digital journeys backed by human expertise when customers need it most. End-to-end management that frees you to focus on your core business.
Data and analytics
Performance insights on all aspects of portfolio KPIs that reveal hidden opportunities. Data that tells the story behind your customers' insurance behaviours. Continuous refinement that keeps your programme ahead of the market.
Let’s talk
Patrick Rönnqvist
Head of Affinity, Senior Vice President
patrick.ronnqvist@lockton.com
+46 70 600 83 73
Affinity insurance solutions FAQs
What makes Lockton a trusted affinity insurance partner in Stockholm and across the Nordics?
With deep local expertise and a presence in Stockholm, we design and manage Scandinavian group insurance solutions that align with your business goals. From end-to-end insurance solutions to scalable insurance distribution platforms, Lockton delivers measurable value for our clients across the Nordics.
How do value-added insurance programmes improve customer loyalty?
By offering solutions with protection and services that feel relevant and easy to access, customers are more likely to stay loyal to your brand. Our customer loyalty insurance programmes are built around your products and services, helping you increase retention and deliver added value that sets you apart. Clients spends lots of money on marketing and sales campaigns to attract and retain customers. By using Lockton tailored affinity solutions, clients gets the same outcome with less expenses.
Can affinity insurance help increase profit margins?
Yes. Lockton’s revenue-enhancing insurance partnerships are designed to create new income streams for your organisation without adding operational burden. We help you offer tailored affinity policies that generate profit while supporting customer satisfaction.
Do you offer insurance solutions for financial institutions in Sweden?
Absolutely. Our insurance solutions for credit card companies, banks, and leasing providers in Sweden are fully integrated with digital platforms, enabling seamless policy distribution and management. These affinity insurance programmes enhance customer loyalty and improve retention rates.
What kinds of retail businesses can benefit from affinity insurance?
Electronics retailers, white goods sellers, mobile operators, and more can all benefit from retail affinity insurance solutions. We tailor programmes that align with your product lifecycle, offering customers protection at the point of sale while creating recurring income for your business.
How does affinity insurance work for the motor industry in Sweden?
Our value-added insurance programmes for motor dealers in Sweden are designed to integrate with the vehicle purchase experience. We create bespoke coverage options that complement warranties and provide dealers with a competitive revenue boost.
Is affinity insurance suitable for professional member organisations?
Yes. We offer affinity insurance for professional member organisations across Sweden and the Nordics. These tailored policies support member engagement and help associations offer real, ongoing value, often with no additional cost to their operations.
Can utility companies and travel businesses use affinity insurance?
They can, and many already do. We create insurance partnerships for utility providers, travel agencies, airlines, and hotel chains. These solutions are seamlessly integrated into existing customer journeys, enhancing brand loyalty and creating new profit opportunities.
What kind of support do you offer in managing these insurance programs?
Lockton delivers fully managed, end-to-end insurance solutions. This includes everything from programme design and regulatory guidance to digital distribution platforms, marketing support, and real-time performance analytics. You get a complete affinity insurance ecosystem tailored to your business.
What industries do you specialise in for affinity insurance?
Our industry focus spans financial institutions, retail, the motor industry, professional organisations, and utilities. With years of experience in Sweden and the wider Nordic region, we build affinity programmes that are industry-specific and results-driven.
Can affinity schemes be globalised?
For multinationals operating in Sweden, affinity insurance can be easily expanded to other European countries by taking advantage of the EU’s Insurance Distribution Directive (IDD), which enables freedom of service across the region.
Can affinity insurance help in competitive markets?
Definitely. Our insurance solutions for competitive industries are designed to help businesses stand out. Whether you’re facing price pressure, low customer retention, or thin margins, our solutions help you regain your edge by offering customers meaningful, brand-aligned protection.