At United Risk Partners, we develop and distribute bespoke insurance enhancements that add measurable value to consumer-facing products, memberships, and services. Our team structures coverage for affinity groups, financial institutions, auto service providers, tech platforms, and more—using the flexibility of the Lloyd’s market to deliver tailored, competitively priced solutions at scale.
Our Offering Includes:
- Credit Card Protection & Embedded Benefits
Purchase protection, extended warranty, price drop protection, and travel-related benefits designed to drive cardholder loyalty and usage. - Ancillary Auto & Vehicle Protection
GAP coverage, tire & wheel, key fob, windscreen, cosmetic repair, and extended mechanical breakdown cover—delivered as stand-alone offerings or enhancements to core auto products. - Bolt-On Enhancements to Existing Policies
Seamlessly integrate additional benefits into existing life, health, travel, auto, or property policies—improving retention and perceived value. - Personal Device & Gadget Protection
Worldwide accidental damage, theft, loss, and mechanical failure cover for mobile phones, tablets, laptops, and wearable tech—available through embedded, opt-in, or retail models. - Bespoke Coverage for Memberships & Associations
Tailored group schemes for clubs, trade associations, subscription platforms, or alumni
Distribution Support & Customisation
We offer full flexibility across distribution models:
- White-label programs
- API-based policy issuance
- Embedded product configurations
- Multi-country rollouts
- Usage-based and subscription pricing
All solutions are supported by streamlined claims processes, robust compliance frameworks, and access
to A-rated Lloyd’s and international insurers.
Why United Risk Partners?
We bring a technical underwriting mindset and a consumer-focused delivery model—ensuring your clients benefit from relevant, revenue-enhancing protections that are simple to distribute and scale.
Trusted Advisor for Affinity Coverage
With extensive experience across commercial and residential property risks, I’m available to assist with placements that require a thoughtful, detail-oriented approach. My background combines technical, wording, and claims expertise with decades of broking in the London Market. If you have a property-related insurance matter that could benefit from practical insight and steady execution, I’d be happy to connect.
Neil Bagwell
- Head of Property
Let’s Build It Together
If you’re designing a new product, enhancing an existing one, or looking to create lasting member value, our affinity specialists are ready to help.
