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The Exeter

84.1Score

★★★★☆4.1

Customer satisfaction · 50K members

MyTribe: #3 Ranked (86.2%)(2026)Trustpilot: 4.1/5(2026)

The Exeter is a mutual/member-owned insurer with 135+ years of heritage, ranking #3 on MyTribe Insurance with an 86.2% score. It offers the most protective no-claims discount structure in the UK PMI market and is known for strong product clarity and transparency.

Overall Score

84.1/100

Founded

1888

Headquarters

Exeter, Devon

Type

private

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Key Metrics

Monthly Premium

From ~GBP 53/month (age 30)

My Tribe Score

86.2% (#3)

No Claims Discount

Most protective structure in UK PMI

Editorial Ratings

MyTribe: #3 Ranked (86.2%)(2026)

Rating: 86.2% — #3 ranked (max: 100%)

86.2MyTribe

Trustpilot: 4.1/5(2026)

Rating: 4.1/5 (1,357 reviews) (max: 5/5)

82Trustpilot

Coverage Highlights

✓Most protective no-claims discount structure in the UK PMI market
✓Mutual/member-owned structure (135+ years of heritage)
✓Strong product clarity and transparency
✓Competitive mid-market pricing

Pros

✓Best no-claims discount protection in the market
✓Mutual structure aligned with member interests
✓Strong product transparency
✓Competitive mid-market pricing

Cons

✗GP referral required for all claims (no direct-access pathways)
✗Smaller brand recognition
✗Limited mental health cover compared to Bupa

Frequently Asked Questions

What makes The Exeter's no-claims discount special?

The Exeter offers the most protective no-claims discount structure in the UK PMI market, meaning your premium increases less after a claim compared to other insurers.

Is The Exeter a mutual insurer?

Yes. The Exeter is a member-owned mutual society with over 135 years of history, meaning profits are used for member benefit rather than shareholder returns.

How much does The Exeter health insurance cost?

The Exeter PMI starts at approximately GBP 52.71/month for a 30-year-old and GBP 125.28/month for a 60-year-old (2026 estimates).

Quick Summary

InsurerThe Exeter

Country🇬🇧 United Kingdom

Overall Score84.1/100

Satisfaction4.1/5

Members50K

Typeprivate

Founded1888

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