NFRN Mutual

NFRN Mutual logo

The NFRN Mutual offers a comprehensive mix of cover for your business.

Who we are

The NFRN Mutual has been around since 1999. We are a mutual, which means we are owned by our Members – our customers – the businesses and people who take out cover with us. We have over 4,000 Members in or connected with the retail trade.

All our Directors are Members and have retail experience.

What we offer

We offer cover for business and liability, home and residential landlord cover.

What is a mutual all about?

Mutuals are all about trust, openness, putting members first, and not putting profit above everything else.

Our priority is our Members and the service we give them. We do not have shareholders expecting us to make a profit for them.

As a Member, you can come to our Annual General Meetings, ask questions and meet the Directors and other Members. All Members can vote on important matters such as who sits on our Board.

The money our Members pay us for their cover is used to pay claims and our running costs. Because we are a mutual, if any of that money is left over it belongs to our Members. Our Directors decide how to use the money in the best interests of the Mutual and all its Members – they might keep it for future claims or give some of it back to Members in cash or by lower payments for cover.

We are not just a mutual – we are a discretionary mutual. That means our Board of Directors has the final say on whether a claim will be paid or not, but all Members should expect that valid claims will be paid. The Board can also agree a claim which is outside the terms of a Member’s cover.

We are not an insurance company and the covers we offer are not insurance, but there is insurance in place to back up the cover we offer and to make sure we don’t run into problems if there are a lot of claims.

Our services

Our UK-based Member service and claims team understand the retail business and always try to give our Members the best possible service.

For more information please visit or call 0800 0664 988

The National Federation of Retail Newsagents is an Introducer Appointed Representative of The NFRN Mutual Limited

The NFRN Mutual Limited is authorised and regulated by the Financial Conduct Authority, FRN 312391



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