Mutuality - giving something back

We’re very proud of our mutual status, it means that we have no shareholders and are wholly-owned by our policyholders. This allows us to be flexible in our approach, and ensures that every solution we provide is tailored to our members’ needs.

Why mutuality matters

Because we’re owned by our members, we're not driven by shareholder payouts. Instead we're committed to growing as an organisation and - above all else - delivering excellent service.

In practice?

Our members are rewarded for their loyalty through our Mutual Bonus scheme on our general insurance products. What’s more, our Agency model means we can invest more in our network, focussing on delivering first-class customer service.