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]

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Customer Service and General Enquiries

Claims Team

Non-Standard Cover

Insurance Documents

Useful Links

Connect With Us

Newsletter

Members’ Area

Opening times

Customer Service and General Enquiries

Claims Team

Take out business cover with us and receive a £20 gift card*