Insurance provides important protection, yet often clients do not experience any immediate benefit. If they do not claim they may feel that it not worth buying insurance again. Value-added services offer one solution. They are tangible, non-insurance benefits provided alongside an insurance product. Some value-added services (e.g. hygiene campaigns) aim to reduce the probability of claims. Such services can be valuable for both clients and insurers. A number of insurance schemes find that value-added services can improve demand, renewals, and viability.