Heritage and Mutuality

Cornish Mutual was established in 1903 by a group of local farmers.

For 96 years, the company grew, insuring farms in the South West. However, our Members also wanted family and friends to benefit from our unique approach… so since 1999 we have broadened our offering to cover people and businesses in wider rural communities, while still retaining our values and local outlook. 

Modern insurance; time-honoured values

Even today, we remain a Mutual company with no shareholders. We exist purely to provide an excellent service. 

This is important to us, because it means our Members' interests are at the heart of everything we do. We can offer an honest and open approach to insurance, fair claims process and local, personal service. 

We are under no pressure to provide quick returns for investors. Instead, we can take a long-term view and our Members share the benefits of our success. 

We're mutual, we only work for you

Cornish Mutual is a member of the Association of Financial Mutuals (AFM). Mutual insurers only work for their customers and not external shareholders, to find out why AFM believes mutual insurers could deliver greater potential value, better service and higher levels of customer trust go to www.financialmutuals.org or www.ownedbyyou.org.