The Association of Mutual Insurers is the trade body that represents mutual insurers throughout the UK.

There are two types of insurance organisations in the UK

• the mutual organisation which is owned by the customers or members and
• the public limited company (plc) which is owned by shareholders

Both public limited company insurers and mutual insurers are registered, monitored and regulated by the Financial Services Authority (FSA).

Mutual Insurers offer an extensive range of savings, investments and insurance products and services to 19 million policyholders in the UK, bringing vital competition and consumer choice to the insurance market. As member-owned organisations, they exist for those they insure and are not accountable to shareholders but to their members.

While driven to generate maximum returns for the benefit of the people who have policies with them, mutual insurers have the interest of their members at heart and deliver products and services that extend beyond economic benefit into the communities and societies in which their members live.