As the name implies, we're a mutual organisation, which means we have no shareholders and are wholly-owned by our policyholders. As a result, we're not driven by shareholder payouts. Instead we're committed to grow as an organisation and, above all, deliver excellent service to our customers. To ensure our customers benefit from our success we reward them via discounts on their general insurance premium renewals. Although these discounts are not guaranteed they demonstrate our commitment to them.