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Tees Mutual is a community-based friendly society providing a range of tax-efficient policies for all ages

Quality, caring service
Quality, caring service
Affordable products
Affordable products
Flexible payment terms
Flexible payment terms
Trusted
We’ve been looking after the needs of local families as part of the North East community since our foundation back in 1904
Fair
With no shareholders to answer to, our members are our sole priority and all our profits are given back to them in the form of bonuses
Mutual
We are owned by you and work for you – members even have a say in how the society is run and can attend our annual general meeting
Service
We pay out claims speedily and efficiently – we don’t use call centres, so you can always contact us by phone or speak to your agent
Flexible
We offer a range of affordable plans and you choose how to pay – we’ll even understand if you have to miss payments during difficult times
Tax efficient
Under current legislation, all of our products are tax free (except those plans costing more than £25 per month)
It's all about mutual trust

Helping deliver financial security to our members throughout the North East

Latest From The Blog

Please find an article below from the FCA.

If you have any concerns about Tees Mutual products and services please contact your agent, the office on 01642 850022, via the contact form on the website or email info@teesmutual.co.uk

On 31 July, new rules came into force for financial services firms.

The new rules, known as the Consumer Duty, set a higher standard of consumer protection in financial services.

The Duty means you should get: 

  • the support you need, when you need it 
  • communications you understand 
  • products and services that meet your needs and offer fair value 

We’re closely monitoring how firms are putting our new rules in place and will take action against those that aren’t following them.

What the Duty means for you 

Under the Duty, firms should be open and honest, avoid harm, and support you to pursue your financial goals. You should expect: 

  • helpful and accessible customer support, so it's as easy to sort out a problem, switch or cancel your product, as it was to buy it in the first place
  • timely and clear information you can understand, so you can make good financial decisions. This means important information shouldn’t be buried in lengthy terms and conditions
  • providers to offer products and services that are right for you, rather than pushing products and services you don’t need
  • products and services to provide fair value. This should mean you won’t be ripped off or have to pay costs you didn’t expect. But while your provider should offer you a fair price, it doesn't mean it will be the best deal for you, so you should still shop around
  • firms to consider if you’re in a vulnerable situation when dealing with you. This could be due to poor health or financial troubles, for instance 

These rules apply to all new and existing products and services that are currently on sale. For older products that are no longer on sale, the rules will apply from 31 July 2024.

What to do if you have a problem with your provider

If you have a problem with your provider, or you don’t feel they’re meeting the Duty's standards, you should complain to them. If you're unhappy with their response, then you should contact the Financial Ombudsman Service.

If you don’t think you are getting good service or value for money you should shop around and consider switching.

Read post  

New transparency rules are helping keep down the spiralling cost of funerals, according to a review by the Competition and Markets Authority (CMA).

Read post  

Two more promising young footballers have joined the next generation of talented players from Bruce Rioch’s iconic Middlesbrough FC team of the late 1990s, after being snapped up by Tees-Mutual-sponsored Cleveland Schools FA.

Read post  

Please find an article below from the FCA.

If you have any concerns about Tees Mutual products and services please contact your agent, the office on 01642 850022, via the contact form on the website or email info@teesmutual.co.uk

On 31 July, new rules came into force for financial services firms.

The new rules, known as the Consumer Duty, set a higher standard of consumer protection in financial services.

The Duty means you should get: 

  • the support you need, when you need it 
  • communications you understand 
  • products and services that meet your needs and offer fair value 

We’re closely monitoring how firms are putting our new rules in place and will take action against those that aren’t following them.

What the Duty means for you 

Under the Duty, firms should be open and honest, avoid harm, and support you to pursue your financial goals. You should expect: 

  • helpful and accessible customer support, so it's as easy to sort out a problem, switch or cancel your product, as it was to buy it in the first place
  • timely and clear information you can understand, so you can make good financial decisions. This means important information shouldn’t be buried in lengthy terms and conditions
  • providers to offer products and services that are right for you, rather than pushing products and services you don’t need
  • products and services to provide fair value. This should mean you won’t be ripped off or have to pay costs you didn’t expect. But while your provider should offer you a fair price, it doesn't mean it will be the best deal for you, so you should still shop around
  • firms to consider if you’re in a vulnerable situation when dealing with you. This could be due to poor health or financial troubles, for instance 

These rules apply to all new and existing products and services that are currently on sale. For older products that are no longer on sale, the rules will apply from 31 July 2024.

What to do if you have a problem with your provider

If you have a problem with your provider, or you don’t feel they’re meeting the Duty's standards, you should complain to them. If you're unhappy with their response, then you should contact the Financial Ombudsman Service.

If you don’t think you are getting good service or value for money you should shop around and consider switching.

Read post  

New transparency rules are helping keep down the spiralling cost of funerals, according to a review by the Competition and Markets Authority (CMA).

Read post  



Tees Mutual, 1-3 Kensington Road, Middlesbrough SE16 3QT +441642850022 enquiries@teesmutual.co.uk