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Strengthen the value proposition to your members and customers with tailored insurance designed to meet their needs.

Howden Norway have more than 40 years of experience developing and operating affinity insurance programs for professional interest groups, unions, associations, and companies.

We provide personalised advisory services and develop bespoke insurance solutions adapted to a larger group of members, associations, and businesses with many customers.

Our Affinity team is ready to analyse needs and create an innovative and cost-effective programme, providing greater value to members and customers while increasing member satisfaction and loyalty.

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Our services include:

  • Strengthen member/customer benefits offers with insurance.
  • Developing, customized insurance programs including policy design with tailored wordings
  • Developing insurance strategies in line with client's overall strategy for Affinity
  • Marketing and communication strategies
  • Communications (branding, marketing to your members etc.)
  • Claims advocacy, analytics, and monitoring


A well-thought-out and tailored program of economic membership benefits can strengthen an organization's trust and reputation amongst members. By adapting the concept to the organization's other strategies and membership offers, you can create increased perceived relevance both around the organization and the membership offer.

We at Howden have worked with our clients for many years to create attractive and unique products and services. We help to create something unique that fits with the company's strategies and values. Good loyalty programs or additional products/services appear as a natural extension of the core business and give customers a feeling of quality, relevance, and, most importantly, affordability.

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Purchasing cooperatives

At Howden, we are committed to offering services that create profitability for both businesses, customers, and employees. With our broad experience and knowledge at hand, we have developed several purchasing cooperatives over the years, where our market knowledge and volume are important factors in developing purchasing cooperatives that increase purchasing power and give us the opportunity to negotiate highly attractive and competitive terms and conditions for our customers.


A good purchasing cooperative is especially cost-effective for small and medium-sized businesses that are not large enough to obtain the best deals in the market on their own.

Our purchasing cooperatives include everything from personal and commercial insurance for businesses to larger concepts for our organizational customers. As pension experts, we have developed and negotiated a market-leading offer on Individual Pension Accounts for one of our largest organizational clients.

As experts in developing customer and loyalty programs, we may have something useful to offer your business

Please contact us for a non-binding conversation

Let's talk...

+47 40 00 63 12

We'll put you in touch with the person best equipped to help.

Call us on + 47 40 00 63 12 or drop us a quick message and we'll get back to you as soon as possible.

Visit us at Munkedamsveien 35, 0250 Oslo, Norway

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