Mutual Bonus

Your loyalty recognised

Our way of saying thank you

We run our business in the long-term interest of our members and because we're a mutual company we share our financial success with our members. This is what sets us apart from many other UK insurers.

When you renew a general insurance policy with us, we apply a Mutual Bonus discount, which gives you money off your premium each year. It’s a very important way of showing our appreciation to our loyal customers.

Over 850,000 policyholders insure their farms, businesses, homes and cars with us, and Mutual Bonus is our way of making sure that our customers share in our success. 

Mutual Bonus at a glance

    • Mutual Bonus is calculated as a percentage of each customer’s individual renewal premium
    • It provides a discount on your general insurance premium when your policy has been active for one full year and is renewed
    • Renew for a fifth year or more and benefit from the maximum discount
    • Mutual Bonus discount rates may change.

Mutual Bonus discounts for renewals between 1st July 2019 and 30th June 2020

Renewal Year (1st July 2019 to 30th June 2020)

1st year of renewal

2nd year of renewal

3rd year of renewal

4th year of renewal

5th year or more of renewal

Mutual Bonus discount

12.5%

13.5%

13.5%

14.5%

17.5%