STORM CLAIMS: If your property has been damaged as a result of the recent weather conditions and you don't need us to take urgent action you can notify us online of your claim. 

If you do require urgent action to be taken by us, call: 0800282652

STORM CLAIMS: If your property has been damaged as a result of the recent weather conditions and you don't need us to take urgent action you can notify us online of your claim. 

If you do require urgent action to be taken by us, call: 0800282652

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Mutual Bonus

Our way of saying thank you

Unlike many other insurers, we pride ourselves in rewarding our loyal General Insurance (GI) customers for renewing their policies with us.

We do this through a Mutual Bonus, which for 25 years has provided our customers with a saving on the renewal premium of their GI policy.

Over 870,000 policyholders insure their farms, businesses, homes and cars with us. Mutual Bonus is a very important way of showing our appreciation to our loyal customers.

In 2023 we rewarded this loyalty by awarding £244m through Mutual Bonus. 

Mutual Bonus at a glance

  • Mutual Bonus is calculated as a percentage of each individual policy renewal premium
  • It provides a saving 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 saving
  • Mutual Bonus saving rates may change.

Mutual Bonus rates for renewals between 1st July 2024 and 30th June 2025:

Renewal Year (1st July 2024 to 30th June 2025)

1st year of renewal

2nd year of renewal

3rd year of renewal

4th year of renewal

5th year or more of renewal

Mutual Bonus saving

5.5%

6.5%

7.5%

8.5%

10.5%

Mutual Bonus rates are not guaranteed and may fluctuate.