Membership

Strength in Numbers

Typically, a discretionary mutual will retain a portion of the risk which is effectively shared through risk pooling amongst the combined strength of the membership.

Unimutual is a discretionary mutual wherein a member's entitlements are subject to the discretion of the Board of Directors, who have a close working knowledge of members' needs and the risks they face. In exercising its discretion, the Board is guided by principles of fairness and natural justice, governed by the constitution, rules and protection wordings, and the balance between individual members' interests and those of the group as a whole. This means that Unimutual has the ability to consider claims in circumstances where they would be declined in the commercial market.

Unimutual members receive customised protections designed to meet their specific needs.

Unimutual also offers a range of risk management services to members at no additional cost.