An Oxford University farm just outside Chedzoy, Somerset, Three Oaks has been the family home for a quarter of a century. Its 650 acres are home to 200 dairy and 400 beef cattle, with a large area devoted to cereal crops.
Simon, who has already worked on the farm for some 16 years, is the fourth generation of Triggol to take on the family business and insure with Cornish Mutual, with policies for its animals, buildings, vehicles, machinery, liability and more.
After many years without a single claim, the 100-year relationship came into its own recently, when the family endured a run of horrific luck.
Tuesday 23rd August 2005 saw a major barn fire, consuming not only the structure, but the machinery within. To make matters worse, the farm’s diesel tank was caught in the blaze, causing a serious pollution risk that required a costly environmental cleanup.
Then, in 2007, the farm had two vehicles stolen in the space of three months: a tractor, followed by a Land Rover.
On each occasion, Cornish Mutual rose to the challenge.
Ray, who now lives next door to the farm, explains: “It was all sorted out fairly quickly: there were no real problems. Cornish Mutual give a good service, and they insure everything we need.”
His wife, Amanda, agrees: “Cornish Mutual were brilliant.”
Now he’s in charge, Simon sees no reason to change a winning formula.
“We know Cornish Mutual well, and they know us,” he observes. “In all this time, we’ve had very few Local Insurance Inspectors. They tend to stay for years, so we can build a good relationship, and if there’s ever a problem, we call, and they come and sort it out.”
After nearly 10 years the family’s Insurance Inspector Philip Wilson has been promoted but they are quite comfortable with Philip’s replacement as it turns out he is family friend Nick Howe.





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Cornish Mutual is a trading name of The Cornish Mutual Assurance Co. Ltd. We are Authorised and Regulated by the Financial Services Authority. The products featured on this site are available to UK residents only and, unless otherwise stated, are provided by The Cornish Mutual Assurance Co. Ltd. No advice on investments has been given. If you are in any doubt as to the suitability of a product you should seek independent advice. Please note all calls may be recorded for security and training purposes.