Exclusive Offer for NFRN Members

The Retail Mutual has crafted this special offer for NFRN Members.

We have always worked closely with the NFRN throughout the years because we understand the ever changing high street and the impact it has on your business.

Simply ask us for a Business Cover quote and we will send you a £20 Love2Shop gift card, redeemable at thousands of outlets on the UK high street. There is no obligation to accept our quote but we are sure you’ll be pleased to discover what The Retail Mutual has to offer.

How to get your quote and claim your £20 Love2Shop gift card

If your Business Cover renewal is due in the next 30 days CALL NOW on 0333 2127 263 with reference NFRN20. This offer is valid for NFRN members from 1st March 2020 to 31st August 2020.

Not ready to renew? Just register your details here and we’ll get in touch to take you through your Business Cover quote when your renewal is due.

Your £20 Love2Shop gift card will be dispatched within a calendar month. There is no obligation to buy. Quotes are valid for 30 days. Click here for full Terms and Conditions.

Please contact me with a quote

Already a Member? Why not try our other products and services, designed with retailers in mind?

Click here to find out more or give us a call on 0333 2127 263.

Why choose The Retail Mutual?

The Retail Mutual specialises in providing Business Cover tailored to the needs of independent newsagent and convenience store owners. If you are planning to buy or renew your newsagent or convenience store insurance, be sure to ask The Retail Mutual for an alternative business cover quote. We aim to provide broad-ranging, cost-effective cover tailored to the individual needs of our Members. Our experienced staff are here to help, providing a dedicated service from our UK-based call centre.

The Retail Mutual cover benefits include:

  • Employer’s Liability Cover up to £10 Million
  • Public Liability Cover up to £5 Million
  • Buildings Cover up to £5 Million
  • Business Interruption Cover up to £500,000 with Higher Limits Available on Request
  • Stock and Contents Cover
  • Money and Personal Accident Cover
  • Accidental Damage and Fixed Glass Cover as Standard when you take out Buildings cover
  • Flexible Limits to Suit Your Needs
  • Legal Expenses Insurance
  • Flexible payment options
  • No Admin Fees or Cancellation Fees
  • Fast-and-Easy Claims Service
  • Dedicated UK-based Call Centre

We would definitely recommend the Mutual. We were given loss of earnings on three occasions when we asked, which kept the business solvent. Being closed for six weeks over the Christmas period, which is our peak trading time, could have been a financial disaster but the interim payments were a godsend.

Mr BailliePerth

We experienced excellent customer service from The Retail Mutual’s team. Our claim was handled very professionally. Excellence service and excellent advice.

Mr SheppardSwindon

The Retail Mutual is a brilliant company and I was very impressed with the level of service I have received. The renewal process and professional attention was perfect.

Mr ChandlerPortree

Popular cover choices available for NFRN members

  • Public Liability Cover – protects you against damage caused to your customers or their property, or loss of the same on your premises
  • Employers’ Liability Cover – if you employ any staff, even on a part-time or volunteer basis, you may need to have employers’ liability cover. It protects you against claims brought by staff members as a result of injury or damage suffered in the workplace. The Retail Mutual offers cover up to £10 million
  • Business Interruption Cover – in the event of an incident affecting your convenience store, business interruption cover helps to keep your business afloat. It may cover loss of profits, staff wages and even interim payments to tide you over until your claim is fully settled. The Retail Mutual offers cover up to £500k as standard with higher limits available on request
  • Buildings Cover – if you own your premises, you will need buildings cover to protect against risks such as flood or fire damage. You may also wish to include cover for your fixtures and fittings i.e. shelving and display cabinets. The Retail Mutual offers up to £5 million of cover
  • Stock and Contents Cover – whether you stock household essentials, newspapers or tobacco, your stock is one of your most valuable assets. Contents cover will protect it against theft as well as events such as fire and water damage
  • Money and Personal Accident Cover – if you suffer a serious injury or death caused by an accident, this can cover lost income, up to the limit of the policy, for hospitalisation and medical costs
  • Fixed Glass and Accidental Damage Cover – for those incidents that simply can’t be helped. The Retail Mutual’s commercial buildings cover includes fixed glass and accidental damage cover as standard

Call 0333 2127 263 to discuss any of the above with our team and quote NFRN20

Suit Case Logo

Business Cover

Stop Icon

Liability Cover

Home Cover Logo

Home Cover

Key In House

Landlord Cover

Mortgage Logo


Heart People Logo

Term Life Insurance

Critical Illness Logo

Critical Illness Insurance

Health Cash Plan Hire

Health Cash Plan

Hospital Treatment Logo

Access Surgery Health Cover

The Retail Mutual is dedicated to providing a specialist alternative to insurance for the independent retail community. Run by retailers for retailers, we exist to help give you peace of mind and are passionate about protecting the independent retail businesses on our high streets.

*Terms and Conditions

About the offer

Get a Business Cover quote with The Retail Mutual and you will receive a £20 Love2Shop Gift Card.
This offer is available to new Business Cover quotes only. Those who have been on cover or had a quote with the Mutual for the same premises within the last year are not eligible for this offer.

The Reward

Within a calendar month after quote date, the recipient will be sent a gift card for the reward value, which is non-negotiable and non-exchangeable. Only one £20 Love2Shop gift card will be issued per Business Cover quote.

Qualification for the offer

  • This offer is available to NFRN members only who get a new Business cover quote between 1st March 2020 and 31st August 2020
  • To obtain a quote and claim your gift card, call 0333 2127 263 quoting reference NFRN20. Alternatively, if your renewal is due between 1st March and 31st August 2020, register your details above and we will contact you when your renewal is due
  • Only one Love2Shop gift card per NFRN member and premise will be issued
  • This offer applies to the UK only
  • This offer is applicable to new quotes only. Quotes are valid for 30 days
  • Minimum contribution of £150 applies
  • No cash alternative will be offered
  • Cover is subject to normal underwriting acceptance criteria
  • This offer is not available in conjunction with any other offer
  • This offer is not open to employees or family members of Regis Mutual Management or The Retail Mutual
  • This offer is not open to existing Members of The Retail Mutual
  • In the event of any dispute regarding these Terms and Conditions, The Retail Mutual’s decision is final and no correspondence or discussion shall be entered into
  • If you have opted into receiving marketing information from The Retail Mutual, you can change your preference at any time by calling 0333 2121 006 or emailing info@theretailmutual.com

Amendments to the offer

The Retail Mutual reserves the right to withdraw or amend the reward and structure of this offer at any time.

The National Federation of Retail Newsagents is an Introducer Appointed Representative of the NFRN Mutual Ltd, which trades as The Retail Mutual.