Here to protect you and your business

We live and work across the South West and are actively involved in the farming community.  Whether it’s local agricultural events, charities, young farmers or our boots on the ground, the Field Force team visiting our Members, we strive to gain a better understanding of our Members and potential sector challenges.

Working in your local area makes us easily accessible and better placed to provide an excellent service compared to other remote insurance companies.  Our Members are at the heart of everything we do and we strive to ensure they always know where they stand with us.

We have no shareholders and are owned by our Members. So any money that would otherwise be spent on dividend payments to shareholders is retained in the business, helping us continually improve our services.

That’s why we really can put our Members first at all times. This means a better service for you, based on our principles of fairness, honesty and transparency.

Corporate ‘Chartered Status’ is the gold standard for excellence and integrity for companies in the insurance industry. We are proud of our Chartered Status as it helps us demonstrate our commitment to best professional practice, quality customer service and working in an ethical manner.

We are the first mutual insurance company in the UK and first insurer in the South West to achieve this recognition from the Chartered Insurance Institute.

We are conscious that when a claim arises our members are often financially affected. We aim to deal with all correspondence within 5 days of receipt and when a claim is agreed we aim to make the payment within 24 hours. Receiving payment is usually determined by the method of payment and so payment may not actually be received for a few days if by cheque or 24 hours if by BACS.

Cornish Mutual is an independent Mutual Insurance Company. We are not a broker or an agent and underwrite our own insurance policies, therefore we provide a direct insurance service to our Members.

Cornish Mutual is committed to keeping premium rates as consistent as possible from year to year reflecting individual exposures and claims experience.