MUTUALITY AND PROTECTION- A PERFECT COMBINATION Martin Shaw, July 2015.

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MUTUALITY AND PROTECTION- A PERFECT COMBINATION Martin Shaw, July 2015

UK financial mutuals (1) Mutuals are UK based, UK owned, and pay all their taxes here Around half the population are a member of one or more mutuals Mutuals employ 1 million people in the UK, and in 2013 generated income of £115 billion 7% of the insurance sector; 20% mortgage market

UK financial mutuals (2) Every day, mutual insurers and friendly societies pay out £20 million to policyholders If you converted the money invested in UK mutuals into £1 coins, the height of the pile of money would stretch beyond the moon. If the mutual insurance sector in the UK were a country, it would be ranked the 10 th largest insurance market in Europe.

Stewardship Financial inclusion VALUES OF MUTUALITY Customer- owned Supporting communities Caring

Insurance is a mutual concept A group of people coming together to solve a shared problem Mutuals grew up alongside the unions during the industrial revolution, to facilitate self-reliance in the absence of a welfare state Mutuals are owned by their customers, and therefore focus on pursuing their best interests

Mutual protection Innovative products Claims record Customer centric/ complaints Price Supporting advice

MUTUALITY AND PROTECTION- A PERFECT COMBINATION Martin Shaw, July 2015