What is mutual insurance?

    A mutual insurer is an insurer that is controlled and owned by its members = customers
  It follows the principles of solidarity and sustainability.

A mutual insurer is an insurance undertaking which is collectively owned by its members who are at the same time its clients (policyholders). As member-policyholders, the members of a mutual insurance company directly or indirectly determine corporate policy through many different points of interaction. The congruence of ownership/control and being a customer makes it possible and necessary for the mutual undertaking to establish a balance between maximising profits (generally an interest of owners) and delivering optimal high-quality services (an interest of clients).

Read more on mutuality




Mutuals in Europe: who they are, what they do and why they matter
AMICE & AIM, 2015

European Mutual Insurance Manifesto 2014
AMICE, 2014

EC Study on the current situation and prospects of mutuals  & Annex  
European Commission study
12 November 2012

Presentations from the EP conference "Mutuals add value to Europe" 
European Parliament, 26 September 2012

Facts & Figures - mutual and cooperative insurance in Europe 
AMICE study 2012

The role of mutual societies in the 21st century
European Parliament study 2011

The market share of mutual and cooperative insurance in Europe 2008 
ICMIF study 2008

Mutual Insurance Companies 
The regulatory, financial and fiscal aspects
 AMICE 2010/AISAM 2007

Mutual Insurance in Figures 
AISAM study 2007

Governance of mutual insurance companies  FR
AISAM study 2006

What is mutuality?   DE ES FR
AISAM leaflet 2004

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