AFFINITY & SPECIAL RISKS
Overview
Newline Group boasts a wealth of expertise across various specialized insurance sectors, delivering tailor-made solutions that align with the unique needs and expectations of clients and regulators. A recognized market leader in Affinity & Special Risks, our highly skilled and experienced teams work closely with clients to provide solid security and customized coverage on a direct and facultative basis, meeting the challenging demands of a wide range of insureds, both large and small. Backed by strong financial ratings and unmatched underwriting and claims expertise, Newline Group is committed to offering flexible, comprehensive insurance solutions that support our trading partners’ brands and customer ethos.

Newline Group offers Affinity & Special Risks insurance solutions tailored for specific groups or organizations, addressing a broad scope of unique risks and needs.

We focus on delivering fair value through products designed to drive positive customer outcomes at sustainable pricing. Our approach is rooted in long-term, transparent partnerships, where cultural alignment and shared goals ensure mutual success. By leveraging data and deep product knowledge, we structure and price solutions tailored to the needs of our partners and their policyholders, with risk control and management at the heart of our underwriting.

Newline Group works with manufacturers, distributors, reinsurers and brokers to implement optimal solutions that respect regulatory frameworks and system environments. We support partners with targeted insurance programs that enhance brand offerings and provide protection to customers. Our expertise in high-frequency, low-cost claim profiles, combined with strong claims administration, ensures fair outcomes and management of claims costs.

As the only specialist Affinity Team offering off-the-shelf monthly client reporting and acting as business consultants, we provide a unique analytics package that evolves through regular reviews and strategic planning. This includes three- to five-year growth and profitability strategies based on a deep understanding of each client’s business. We are especially committed to supporting clients who may be underserved by larger insurers, offering personalized attention and innovative solutions that align with their specific challenges and goals.
Our risk appetite and high level of professional service will deliver tailored solutions including:
Motor Products
We underwrite a global portfolio of motor associated products and are able to support these through a variety of distribution methods.
  • Warranties
  • Physical Damage Insurance
  • Tyre and Wheel
  • SMART Repair
  • Roadside Assistance
Electronic Goods
We underwrite products that protect a full range of electrical household appliances. These are typically sold at time of product purchase but can be offered as a separate sale online or as part of a package. Repair processes are important in containing costs.
  • Mobile Phone
  • Gadget
  • Extended Warranty
  • Televisions
  • White Goods
Excess Protection
We can support a number of excess or deductible protection products for a variety of underlying core products i.e., car hire, motor, home, travel, etc. The product can be sold either as a standalone sale or as an embedded insurance sold alongside the original rental booking or insurance policy purchase.

Claims administration on these products does not involve any repair provision so is a relatively straight forward process of recognising the excess has been settled by the customer and processing of payments.
  • Car Rental Excess
  • Motor/Home Excess Protection
  • Collision Damage Waiver
Bancassurance
Newline can support a variety of additional bank and credit card benefits that are often included within the account holders benefits. The products are often designed to be straightforward from an administration perspective and offer customers benefits that can help differentiate bank offerings to customers.
  • Ticket & Travel Protection
  • Purchase Protection
  • Price Protection
  • Car Rental Excess/Collision Damage Waiver
  • Miscellaneous
Heavy Equipment
We have worked with a number of large manufacturers on these products, with the warranty products being primarily transacted through CLIPs. Cover levels can be adjusted dependent upon requirements and good claims administration is vital.
  • Construction Equipment Warranty
  • Agricultural Equipment Warranty
  • Physical Damage Insurance
Miscellaneous
We underwrite a variety of additional niche products and the list here is far from exhaustive. We look at new products and are able to support these where they meet the key product principles defined earlier in the presentation.
  • Ticket Cancellation
  • Hidden Defects
  • Spectacles Insurance
  • Pet Insurance
  • Travel Delay
Coverage
  • Worldwide
  • Primary, Excess and Reinsurance
COMMON QUESTIONS

We believe in long-term, culturally aligned relationships built on transparency and shared goals. Investing time in our partners is key to mutual success.

We focus on clients with high claim frequency and low average cost profiles, especially those underserved by larger insurers, and who would benefit from targeted insurance products.

We are the only specialist team offering off-the-shelf monthly reporting and the expertise to act as strategic advisors, helping clients enhance distribution and brand value.

Lloyd’s Hours
Lloyd’s of London
Gallery 2, Boxes 252 & 253

Hours Daily
11:00 am to 1:00 pm | 2:30 pm to 4:30 pm
Your Local Contact
  • Phil Pearce
    Head of Affinity &
    Special Risks
    London
Contact Us
If you have any questions or comments regarding our products, services or company, please fill out this brief form and one of our representatives will respond.
Explore Newline’s Global Reach
Asia
Newline Group operates through various service companies in Asia, including Newline Asia Services Pte. Ltd., Newline Malaysia Limited and Newline Hong Kong Services Limited, offering localized and customized insurance services across the region.

Newline Asia Services Pte. Ltd, based in Singapore, opened for business on 1st May 2007 and acts as a service company for Newline Syndicate 1218, with authority to underwrite the full range of products offered. Newline Hong Kong Services Limited was established in December 2024, offering the full range of products offered by Newline Asia.

Our business platform includes Newline Malaysia Limited, a service company located in Labuan, a marketing office in Kuala Lumpur, and we also have a presence at Lloyd’s in Shanghai. To view these offerings, visit the Newline Underwriting Division page at Lloyd’s Insurance Company (China) Ltd.

We have the ability to issue direct insurance policies in Singapore and Hong Kong and facultative reinsurance across the Asian region.
Rachel Flynn
Chief Executive Officer
Australia
Headquartered in Melbourne with an additional office in Sydney, Newline Australia Insurance Pty Ltd was established in 2006 as a service company for Newline Syndicate 1218, with authority to underwrite the full range of products offered. It is wholly owned by Newline Holdings UK Limited and delivers tailored insurance solutions and local service to clients in Australia.
Stephen Mullay
Underwriting Manager
Canada
Newline Canada Insurance Limited was established in March 2018 and acts as a service company for Newline Syndicate 1218 at Lloyd’s, providing localized and customized insurance services as part of Newline Group’s global network, ensuring solid security and tailored coverage for clients in Canada.
Jim Benson
Chief Underwriting Officer
Germany
Newline Europe Versicherung AG, based in Cologne, was established in March 2019 and serves as Newline Group’s EEA insurance hub, providing specialized insurance products and sustainable solutions to the German-speaking market with a focus on local and individual customer support.

Prior to the establishment of Newline Europe, Newline opened a branch office of Newline Insurance Company Limited in Cologne in 2017 to give the German speaking market direct access to the specialized products and capabilities of Newline Group.
Markus Schäfer
Head of Underwriting
Germany
Mexico
The Latin America Division of Newline Group, headquartered in Mexico, was established in July 2019 and caters to clients throughout Latin America and the Caribbean, offering a range of insurance services and solutions.
Gerardo Mendoza
Senior Underwriter
United Kingdom
As the headquarters of Newline Group, London serves as the central hub for our operations, providing strong financial backing and regulatory oversight through Newline Syndicate 1218 at Lloyd’s, Newline Insurance Company Limited.
Philip Pearce
Head of Affinity & Special Risks