How is the pricing of general insurance products different between a proprietory and a mutual in terms of... Data issues - will mutuals not have access to as much data? Methods - how will methods differ between them? Is proprietory more likely to use experience rating than mutual? Loadings - will mutuals still have profit loadings? Other factors - how do mutuals obtain their business via brokers?
I wouldn't expect there to necessarily be any difference in the pricing, except that mutuals would not have a profit loading, and so should offer cheaper premiums than a proprietory, all other things being equal. There may be different tax allowances as they are taxed differently.
