Process

Applying to join Bar Mutual is a quick and simple process. 

Barristers starting self-employed practice must complete and return an Application for Membership and Insurance Form. The Form can be printed out from the downloads page of this website and can be posted or emailed 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 barristers renew their cover on 1 April. Renewal of Cover Forms are issued to Members (via their practice manager/senior clerk) in January to ensure that all premiums are paid before the new Policy Year starts. Debit notes are then 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 qualify for the minimum premium of £123 for a £500,000 limit of cover. Most joining from 1 October receive a £500,000 limit of cover for free. New Members may purchase higher limits of cover.

Premiums are calculated by reference to fee income and to the areas of practice in which Members work. 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.