Insurance with heart

Share in the profits and have your say at an insurer that's owned by you

What makes Picnic's motor, home and contents insurance different

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Owned by you

Picnic is creating insurance mutuals with no shareholders. You're our Owners, so you come first every time.

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Have your say

Have your say on tricky claims and get rewarded for your engagement.

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You share profits

All surplus profits are shared with you, lowering your premiums.

How does Picnic work

01

POOL PREMIUMS

When you join Picnic as an Owner, your premium is added to the collective pool.

02

HAVE YOUR SAY

As an owner of Picnic you get to voice your opinion on paying tricky claims.

03

PAY CLAIMS

The pool pays for claims and costs, protecting the collective.

04

SHARE PROFITS

Remaining profits are returned to you through lower premiums.

Simple, fair and transparent insurance

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YOU COME FIRST

Our policyholders are Owners, so we pursue fair outcomes that benefit you in the collective.

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SIMPLE & FAIR POLICIES

We fight against fine print and loopholes that complicate claims. Our insurance is designed to be simple, with fewer exclusions and clearer coverage. Picnic’s peer-reviewed claims encourage fairness to prevail.

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TRANSPARENCY

You’ll know what condition the collective is in, with access to information like claim payout rates, satisfaction levels and Owner volumes.

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MOTOR, HOME & CONTENTS

We plan to insure your most important assets, starting with motor, home and contents insurance. And as we grow we'll be extending Picnic's savings to new insurance products too.

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EFFICIENCY

Picnic is built as a lean, digital business so we operate more efficiently than a traditional insurer, lowering premiums.

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STRONG & STABLE

To protect Owners, Picnic will be a regulated insurance mutual and will reserve sufficient capital to cover claims big and small.

Picnic is delivered by a team with insurtech expertise

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Mark Arnold

Founder & Chair

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Charles Pollack

Chief Executive Officer

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John Connor

Chief Actuary

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Gina Lednyak

Social Media Management

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Reece Frazier

Chief Experience Officer

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Lindsay Rogers

Brand Development

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Martin Wells

Chief Technology Officer

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Cédric Waldburger

Advisor

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Shane Herft

UX & Design

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Chris Overs

Legal & Compliance

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