title: Catholic Church Insurance Association
text: # Catholic Church Insurance Association
  
  Catholic Church Insurance Association (CCIA) was established in 1975 by the Bishops’ Conferences of England and Wales, and Scotland, to provide insurance for Roman Catholic dioceses; religious orders; schools; care homes and other Catholic organisations. CCIA is accountable to the Bishops’ Conferences and endeavours to maintain business practices consistent with the ethos of the Church.
  
  Through CCIA, Catholic organisations access Catholic National Mutual Ltd.(CNM), the Catholic Church's own insurance company and primary insurer within the CCIA scheme. CNM, based in Guernsey, is a mutual wholly owned by its clients with any profit used for the benefit of its members.
  
  In 1996 CCIA and CNM received criticism from BBC Radio Scotland for their part in the Church's handling of abuse compensation claims.
  
  Following the hearings into the Archdiocese of Birmingham at IICSA, the Independent Inquiry into Child Sexual Abuse, Stephen Parsons wrote on an influential blog
  
     The Catholic Church uses a company based in Guernsey which apparently is so secretive that it does not have a web-site. This combination of secrecy, traditional Catholic reticence and the financial advantages of being based in a tax haven raises eye-brows. I can go no farther than that. All I can say is that if we want to know who may be calling the shots in the shabbily ineffective conduct of child protection among Catholics in Birmingham over the past fifty years, we might start, not with the Vatican or even the beleaguered successive Archbishops of Birmingham, but with a secretive insurance group based in Guernsey.
  
  Had Stephen Parsons bothered to check, however, he would have discovered that the Archdiocese of Birmingham is not now nor has it ever been insured through the Catholic National Mutual. He would also have discovered that, far from secretive, the Catholic National Mutual is an insurance company wholly owned by many of the dioceses of Scotland, England and Wales and several religious orders, regulated by the Guernsey Financial Services Commission, with its details listed on the GFSC's website. Full details are also available on the website at https://catholicinsuranceservice.co.uk/about-us/. Furthermore, he would be aware that since the Company is wholly owned by elements of the Church that are registered charities, the so-called tax haven status of Guernsey (where, in any event, the applicable tax rate is no lower than in the UK) would make no difference since the company would not be liable to tax on its underwriting profits in the UK in any event. It is based in Guernsey for historic reasons and, indeed, Guernsey is part of territory of one of the English Dioceses (Portsmouth). Finally, he should be aware that, so far as the Public Liability insurances are concerned, these are underwritten (and therefore the strings are pulled) by Zurich and not by the CNM which merely acts as a backstop to the Zurich cover. Nevertheless, rather than check, do some research and write accurately, Stephen Parsons would rather write poorly researched and misleading blog posts which are little more than false insinuations constructed on the "throw enough mud and some of it will stick" principle.
  
  