Claim up to £80 in gift cards by recommending a friend

As an independent retailer you are essential to your local community but also you are part of the wider retail community. Through trade organisations, your local business group or even the shop next door you will know at least one other retailer. With our Recommend a Retailer offer you could receive £80 in gift cards if your fellow shop owners become a Member of The Retail Mutual.

This offer is available to current Members of The Retail Mutual only as part of our continued commitment to providing a great value service to the very people who have helped to build our unique community.

Terms and conditions apply*

What you need to do:

  • Step 1 – Fill in your Membership number. This should be on your letter in your Membership pack. Alternatively, call the team on 0333 2121 280
  • Step 2 – Cut out the vouchers
  • Step 3 – Give one of the vouchers to a fellow shop owner
  • Step 4 – When they call the number, we will give them a quote for their business cover. If they accept it they will become a Member of The Retail Mutual and, you will both receive a £20 gift card
  • Step 5 – 30 days after they become a Member, you and your friend will each be sent a £20 gift card so you can treat yourself and go shopping

Benefits of being a Member of The Retail Mutual:

  • No admin fees, no cancellation fees, no broker fees
  • Dedicated UK-based call centre
  • Discretionary – payments for non-valid claims
  • Flexible payment options
  • Become part of The Retail Mutual community with over 5,000 Members

What makes The Retail Mutual different?

When you pay for your cover, you don’t become another customer, you become a Member of The Retail Mutual community of retailers, food businesses and other service providers on the high street. Your Membership contributions are held in a fund which is used to pay any valid claims that our Members (including you) may have.

We are different to a shareholder-owned insurance company. As a mutual we are owned by and operate solely for our Members – our customers. Our Board of Directors have experience running their own businesses in retail and are highly committed to the welfare of our Members. If you are unhappy or disagree with a decision made regarding a claim, you can appeal to the Board, who have the discretion to pay claims that may fall outside a Member’s cover wording.

What our Members say:

“When I arranged my business cover with The Retail Mutual, the team were fantastic with a friendly, informative and professional service. Thank you especially to Laz and Gary for your assistance, I couldn’t have asked for more.”
– Laura Fisher, Gifts and Homeware Shop Owner Basingstoke

“During the most stressful time of having been evacuated and our business shut due to the Whaley Bridge Dam incident, the Retail Mutual provided the most excellent service. Our claim was handled promptly and professionally and with great communication.  I have no hesitation, after seeing how other business have fared with other insurers who are still delaying in their claims, in recommending the Retail Mutual.”
– Mrs Warrington, Post Office Owner, High Peak

*Terms and Conditions

About the offer

Receive up to £80 in gift cards when you refer a friend to The Retail Mutual and they take out business cover with us.

The referrer must be a current Member of The Retail Mutual. The new Member must be able to confirm the Membership number of the person who referred them at the time of taking out business cover and meet The Retail Mutual’s criteria for Membership. Each referrer can refer up to 4 friends before the promotion ends on 30 April 2021.

The Reward

A £20 gift card will be sent to the referrer and the new Member 30 days after the start date. If the offer is cancelled within 30 days of the cover start date, the offer is invalid and neither party will receive a voucher.

Qualification for the offer

  • This offer is available to existing business cover Members of The Retail Mutual only who refer The Retail Mutual to a friend who takes out business cover with us between 1 May 2020 and 30 April 2021. Each referrer can refer up to 4 friends before the promotion ends
  • To qualify, the referrer must fill in their Membership number on the front of the voucher and give it to a fellow shop owner who should then call 0333 2121 280 for a quote, stating the referrer’s Membership number
  • This offer applies to the UK only
  • Minimum contributions apply
  • This offer is applicable to new quotes only. Quotes are valid for 30 days
  • Cover is subject to normal underwriting acceptance criteria
  • No cash alternative will be offered
  • This offer is not available in conjunction with any other offer
  • 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 prefer not to receive marketing information from The Retail Mutual, you can change your preference at any time by calling 0333 2121 006 or emailing

Amendments to the offer

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