As early as 1912, the farmers' union in Lincolnshire had approached the directors for advice about forming a mutual insurance company. They were advised to join the mutual in the Midlands that was already in existence.
There are around 900,000 members of the NFU Mutual. As NFU Mutual has no shareholders, it represents that a proportion of its profits, if any, are returned to policyholder members in the form of an adjustment on quoted premiums of renewing customers. A claimed discount of between 8.5% and 13.5% (2022/2023) is currently asserted by NFU Mutual (without any external adjudication), which the business brands "Mutual Bonus".
I am aware that NFU Mutual has continued to make such deductions. As stated in my letter, these grants are intended to provide emergency support to businesses at this time of crisis, and it is the Government's firm expectation that they are not to be deducted from business interruption insurance claims... The FCA [Financial Conduct Authority] has also made it clear that it may intervene and take further actions where firms do not appear to be meeting the FCA's expectations and treating their customers fairly
Hi Helen, I'm Rob Rosa, chief medical officer here at AIG Life. In my former occupation I was a full-time NHS general practitioner. I was a GP and senior partner in a very busy inner-city primary care facility in Salisbury for the last 18 years. Twelve months ago, I made the hop over to pure insurance-related medicine, which is where I've now been employed by AIG.
Game Licences - Licences for shooting game or dealing (selling) in game are required annually from DEFA. Game Order open season dates and application forms can be downloaded. For further information telephone +44 1624 801263 or email: firstname.lastname@example.org.
Gun licences - The Firearms Licensing Department of the Isle of Man Constabulary is responsible for all firearms licensing matters, including the vetting of applications, issue of certificates, and enforcement of firearms legislation. All farmers should be aware of restrictions on: Shooting game, shooting on Sundays, shooting close to roads, shooting wild geese, firearm security, insurance, dogs, night shooting of rabbits. For more information please email: FirearmsEnquiry.email@example.com or telephone +44 1624 631378 or click here.
Legal Searches - DEFA is able to provide legal searches in respect of Bovine Spongiform Encephalopathy ('BSE') burials, trees registered under the Tree Preservation Act 1993, Wildlife Act Designations, Protected Species and Management Agreements under the Wildlife Act 1990, Registered Heath under the Heath Burning and Destruction Act 2003, various Environment Directorate Notices and radioactive substances (caesium levels in soil). A legal search form can be obtained via email: firstname.lastname@example.org, telephone +44 1624 685835 or downloading the Search Request Form.
Watercourses - The Manx Watercourse Management Guide is a free information leaflet, which summarises the rights and responsibilities of riparian landowners, and provides a code of good practice and contact details for further advice and information. It can be downloaded here. Farmers wishing to apply for DEFA consent to remove material from riverbeds can also download a consent form from this page. For telephone enquiries call +44 1624 685857.
Tackling insurance fraud remains an industry strategic priority. In 2020, insurers detected 96,000 dishonest insurance claims valued at £1.1 billion. It is estimated that a similar amount of fraud goes undetected each year. This is why insurers invest at least £200 million each year to identify fraud.
Insurance fraud also impacts on society at large as valuable public resources, such as those in the NHS and courts, are spent on dealing with fraudulent cases. Consequently, honest policyholders pay higher insurance premiums as the costs of fraudulent claims are passed on to customers.
Insurance fraud is not a victimless crime. Fraudulent claims drive up prices for honest customers and make your insurance more expensive. By reporting fraud you can help us identify fraudsters and, with the support of regulators and police, bring them to justice. 2b1af7f3a8