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The Retail Mutual is a trading name of the NFRN Mutual Limited, a company registered in England and Wales, number 3810528, registered office Barrington House, Heyes Lane, Alderley Edge, Cheshire, SK9 7LA. The NFRN Mutual Limited is authorised and regulated by the Financial Conduct Authority, FRN: 312391. The NFRN Mutual Limited is managed by InShare Insurance Services Limited, a company registered in England and Wales, number 12598390, registered office Barrington House, Heyes Lane, Alderley Edge, Cheshire, SK9 7LA. InShare Insurance Services Limited is authorised by the Financial Conduct Authority, FRN: 965006. You can check this on the Financial Services Register by visiting the FCA's website

The Retail Mutual is now offering enhanced specialist Mutual Business Cover tailored specifically to meet the needs of our Members and former Members.

We pride ourselves in looking after our Members’ interests by offering the most competitively priced Comprehensive Cover for their business.

If you’re already a Member (and are covered by TRM):

The Mutual will freeze the cost of your Cover to match the price of the insurance premium you paid between July 2023 and July 2024.*

If you’re not a Member but Received a Renewal Quote from us:

The Mutual will match the Price we quoted you in 2024*

If you’re not and have never been a Member:

If you operate one of the following Trades:

Newsagent, Roundsperson, Convenience Store, Off License, Post Office, General Store, Super/Mini Market, Grocer, Gift Shop, Barber, Hairdresser, Clothing Retailer / Fancy Dress Hire;
Property Owners

Call us on 0333 2121 006

*Price Freeze/Roll back Conditions: This offer is available to those who: 1) Requested a Business Cover quote, or Renewed with us, between March 19th 2024 and July 15th 2024; 2) Operate within the Trades covered by the Mutual; 3) have a total Sums Covered of less than £750k; 4) have had no known or reported claims in the past 12 months. The Price Freeze / Roll Back, will be calculated on Cover amounts declared to us in 2024 plus a 0% inflationary provision.

The Retail Mutual is now offering enhanced specialist Mutual Business Cover tailored specifically to meet the needs of our Members and former Members.

We pride ourselves in looking after our Members’ interests by offering the most competitively priced Comprehensive Cover for their business.

If you’re already a Member (and are covered by TRM):

The Mutual will freeze the cost of your Cover to match the price of the insurance premium you paid between April 2022 and July 2023.*
At no additional cost, your Covered Property Limits will increase by 6%.

If you’re not a Member but Received a Renewal Quote from us:

The Mutual will match the Price we quoted you in 2022*
At no additional cost, your Covered Property Limits will increase by 6%.

If you’re not and have never been a Member:

If you operate one of the following Trades:

Newsagent, Roundsperson, Convenience Store, Off Licence, Post Office, General Store, Super/Mini Market, Grocer, Gift Shop, Barber, Hairdresser, Clothing Retailer / Fancy Dress Hire;

Call us on 0333 2121 006

If you are a Property Owner seeking Landlord Insurance:

Call our dedicated Landlord team on 0333 2121 0XX

If you are looking to insure your Home:

Call us on 0333 2121 006

If your Business is not one of the trades listed above:

Please contact our specialist Broking Colleagues on [email protected]

*Price Freeze/Roll back Conditions: This offer is available to those who:

1) Requested a Business Cover quote, or Renewed with us, between April 10th 2022 and July 15th 2023;

2) Operate within the Trades covered by the Mutual;

3) have a total Sums Covered of less than £700k;

4) have had no known or reported claims in the past 12 months.

The Price Freeze / Roll Back, will be calculated on Cover amounts declared to us in 2022 plus a 6% inflationary provision.

Non-Standard Cover

The Retail Mutual has partnered with a specialist insurance intermediary who will engage with you directly to source the most competitive insurance solution for:

Catering and other (Non-Standard) Retail Trades

To Find Out More Contact our Partner on: [email protected]

Insurance Documents

The Retail Mutual has sourced competitive options for:

-> Catering and other Retail Trades Insurance.
-> Household Insurance, and
-> Landlord’s and Property Owner’s Insurance.

Due to the breadth of our Insurer Panel documents will often be tailored to your specific needs and can be sourced from our Customer Services team.

Get In Touch

Home or Landlord Cover

To make a Household or Landlord claim, please call 0333 2121 008.

(Call lines are open 9am – 5.30pm Mon-Thurs, 9am-5pm Friday. For emergency assistance out of hours or Bank Holidays, please call 01424 850 333).

Unsure

Please call our General Enquiries on 01892 888 319 and a member of our team will be able to assist you.

(Call lines are open 9am – 5pm Mon-Fri, closed Weekends and Bank Holidays).

Choice Insurance

To make a claim under any Section other than Commercial Legal Expenses, please call 0333 0107 190 or email [email protected]

TL Dallas / MI Commercial Risk

Please refer to your cover documents receieved when your cover was taken out to find the relevant contact information on how to claim. If you do not have a copy of your documents, please call 01892 888 319 (9am-5pm Mon-Fri, Closed Weekends and Bank Holidays).

Download your FREE
Risk Assessment guide

The Retail Mutual has created an in-depth Risk Assessment guide to help you be more aware of everyday risks that can impact you, your customers, your stand and your business.

Download Now

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Get a £20 gift card every time you
recommend us*

(Plus, your friend will get one too)

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