Cornish Mutual

Discover Cornish Mutual - an insurance company that’s refreshingly different

We offer you a totally personal service and a fair-minded, straightforward approach to insurance. You’ll find we are clear, open and honest in all our dealings with you, so you know where you stand.

With our head office in Truro and representatives throughout the South West, we offer insurance for farms, homes and landlords, as well as other types of business insurance, in Cornwall, Devon, Somerset and Dorset.

Because we’re a ‘mutual organisation’ we don’t have shareholders – we are owned by our customers.  So we really can put our customers first at all times. This means a better service for you, based on our principles of fairness, honesty and transparency. It’s a fresh approach to insurance and one our customers love.

Expert advice with a personal touch

The people who work at Cornish Mutual are guardians of a very special insurance company. We're here to look after the company for the next generation of customers, who we call Members. As a mutual organisation we are owned by our Members and are answerable to them, not shareholders.

More than 110 years at the forefront of insurance in the South West

Cornish Mutual has a unique history, which explains why our customers really are at the heart of everything we do.

In 1903, a group of visionary Cornish farmers got together and decided to come up with a better way of insuring their farms. They decided that by taking a co-operative approach, they could pool their money and provide effective insurance for each other at a lower cost, as there was no need to create any profit for anyone. The mutual organisation they set up went from strength to strength, attracting more and more Cornish farmers to their fold.

Today, Cornish Mutual is still a mutual organisation. Our customers automatically become Members.  As we have no shareholders, any profits are re-invested in the business, for the benefit of all our Members, rather than being paid out as dividends.