--- title: "FEC Mutual: Tailored Protection & Community Support" description: Experience a sense of community, reduced costs, improved risk management, and the power to influence decisions. --- [![FEC logo](https://fecmutual.com/hubfs/FEC%20logo.png)](https://fecmutual.com) - [Cover](https://fecmutual.com/comprehensive-products-liability-insurance-coverage) - [What's FEC Mutual](https://fecmutual.com/fec-mutual-tailored-protection-community-support) - [About Us](https://fecmutual.com/innovative-insurance-solutions-for-activities) - [Insights & Advice](https://fecmutual.com/insights-and-advice) - Member Area - [Voting Member](https://fecmutual.com/voting-member) - [Become A Member](https://fecmutual.com/contact-us-fec-mutual) [Contact Us](https://fecmutual.com/contact-us-fec-mutual) # What is a Mutual? Our Mutual is an organisation which combines collectively pooled risk and insurance to establish a stable, long-term alternative to the unreliable conventional insurance market. Claims are considered against the Cover Wording, but members have the right to appeal to the (Member elected) board of directors in respect of claims that might fall outside the terms of that wording. Claimants can anticipate a considerate response from organisations owned by their members, managed from the perspective of what is right for those members.   Fairness is a founding principle, as the underwriting and claims handling process is not rigidly defined as in traditional insurance, allowing for a more individualised assessment of whether a claim aligns with the overall objectives of the mutual.   [Learn More What is a FEC Mutual](https://fecmutual.com/fec-mutual-tailored-protection-community-support#About-FEC) ![Assault Course](https://fecmutual.com/hubfs/Gravity-Active-Assault-Course.png "Assault Course") ## **What is a Hybrid Discretionary Mutual?** Traditionally, mutual insurers operated on this principle, with members pooling resources to provide effective and cost-efficient solutions. However, over the past two decades, the UK insurance landscape has witnessed demutualisations and mergers, reducing the number of active mutual insurers.  Unlike traditional insurance contracts, discretionary mutuals don't offer a strict contractual promise. Instead, they exercise discretion when providing coverage. When members seek support, the mutual assesses available resources and decides whether to provide assistance and at what level. Notably, discretionary cover isn't regulated under the Financial Services and Markets Act 2000, making it a cost-effective model for both the mutual and its members. Additionally, payments for discretionary protection aren't subject to Insurance Premium Tax. The hybrid discretionary mutual. In this evolution, the mutual still assumes risk for agreed-upon claims within a specified retention level. Simultaneously, it secures its own stop-loss insurance. However, the twist lies in arranging an insurance contract in the names of the members, complete with a substantial excess to cover claims beyond the retention. In essence, hybrid discretionary mutuals blend the benefits of discretion with the strengths of insurance, creating a unique approach to risk management and protection. ## **About FEC Mutual Limited?** FEC Mutual Limited is a hybrid-discretionary mutual created as a result of the failings of the conventional insurance market. The Mutual was created and is now managed by [Tower Insurance Brokers(TIB)](https://towerinsurancebrokers.co.uk/), who are experts in the mutual management and activities sector. We focus on providing protection for most activities, including trampolining, and long-term benefits for organisations within the activities sector. In addition to FEC Mutual, TIB also manage The NACFB Mutual and The Masonic Mutual. This means that FEC Mutual operates within a stable framework of expertise and experience, enhancing its ability to provide tailored and reliable coverage for its Members. [Read More About FEC Mutual](https://fecmutual.com/innovative-insurance-solutions-for-activities) [![Family Entertainment Centre Mutual Limited](https://fecmutual.com/hs-fs/hubfs/FEC%20logo.png?width=423&height=205&name=FEC%20logo.png "Family Entertainment Centre Mutual Limited")](https://fecmutual.com/) ## **The Benefits of Mutual Membership** Discover the exclusive advantages of becoming a Mutual Member, where a well-established and effectively managed mutual can offer you unique benefits.  #### **Members for Members** We are offering a unique sense of community. FEC Mutual is a creative and sustainable alternative to the broken insurance market. It's a group of like-minded businesses all facing similar issues with insurance and risk management. #### **Reduced Frictional Costs** Our operating model ensures transparency in earnings, eliminating the opaque mechanism used by some insurance brokers for generating undisclosed fees and commissions. #### **Risk Management Focused** As a member, you benefit from improved risk management practices, leading to a potential reduction in the total cost of risk across the sector. #### **Members Own the Mutual** Unlike traditional insurance structures, FEC Mutual is owned by its members. Your involvement directly influences the decisions and directions of the mutual, ensuring alignment with members' interests. #### **Consideration of Member Claims** While claims are paid at the discretion of the Board, being a member-owned organisation means your claims are considered with a sympathetic understanding of the challenges unique to your industry. Expect a responsive and considerate approach to your claims. #### **Sustainable Competitiveness** We are committed to providing sustainable competitiveness for our members. We may not always be the cheapest, but we will be here when you need us. By being a member of our mutual, you access stability, expertise and an understanding of the ever-changing landscape of the activities sector. ### **Our mission is to create more than just a policy – we're building a mutually beneficial partnership that eclipses traditional insurance models.** Join our community-driven mutual and unlock unique advantages. Together, we redefine protection and create a shared future of security and support.  [Get a Quote](https://fecmutual.com/contact-us-fec-mutual) [![FEC logo](https://fecmutual.com/hs-fs/hubfs/FEC%20logo.png?width=200&height=97&name=FEC%20logo.png)](https://fecmutual.com) **F**amily **E**ntertaiment **C**entre **M**utual Managed by Tower Insurance Brokers ### Resources - Member Area - [Insights & Advice](https://fecmutual.com/insights-and-advice) - [Subscribe to our Newsletter](https://fecmutual.com/#subscribe-to-newsletter) ### Company - [What's FEC Mutual](https://fecmutual.com/fec-mutual-tailored-protection-community-support) - [About Us](https://fecmutual.com/innovative-insurance-solutions-for-activities) - [Contact Us](https://fecmutual.com/contact-us-fec-mutual) ### Policies - [Privacy Policy](https://fecmutual.com/privacy-policy) - [Cookie Policy](https://fecmutual.com/cookie-policy) - [Terms and Conditions](https://fecmutual.com/terms-and-conditions) FEC Mutual Limited are a company registered in England and Wales (Registration No: 13422679), Registered Office: 7-9 Church Road, Lytham, Lancashire FY8 5LH FEC Mutual Limited are an Appointed Representative (FRN:958319) of, and are managed by, Tower Insurance Brokers Limited, a company authorised and regulated by the Financial Conduct Authority (FRN: 805562). Tower Insurance Brokers Limited are a company registered in England and Wales (Registration No. 10691863); whose Registered Office is located at 7-9 Church Road, Lytham, Lancashire FY8 5LH. © Copyright 2026 FEC Mutual Limited, All Rights Reserved