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Process
Applying to join Bar Mutual is a quick and simple process.
Barristers starting self-employed practice must submit an Application for Membership and Insurance Form which is available on the downloads page of this website. It can be completed electronically and returned by email or printed out, completed and returned by post or email to the Bar Mutual (info@barmutual.co.uk). The Managers will then process the application and send a debit note to the barrister. A Cover Note is issued after the premium has been paid.
All Members renew their cover on 1 April. Renewal of Cover Forms are issued to Members (via their practice manager/senior clerk) in February to ensure that all premiums are paid before the new Policy Year starts. Debit notes are issued for payment by 1 April.
If you have any queries about your application or renewal please contact one of our Administrators on 020 7621 0405.
Premium
Most self-employed barristers joining Bar Mutual before 1 October 2023 qualify for the minimum premium of £165 including IPT for a £500,000 limit of cover. Most joining from 1 October receive a £500,000 limit of cover for free and may purchase higher limits of cover.
Premiums are calculated by reference to gross fee income and to the areas of practice from which Members have received that fee income. A Rating Schedule which shows precisely how premiums are calculated is issued every year.
A basic premium is calculated which automatically provides a Member with a basic limit of cover. This premium and limit of cover cannot be reduced. If a Member requires a higher limit of cover, the additional premium payable will be shown on the debit note and the barrister may then decide whether to accept the quotation.