The principle of mutuality is repeatedly called upon in doctrinal or jurisprudential material to justify the contractual bond in insurance. However, there is hardly nothing left anymore of mutuality in the field of insurance, and this, notwithstanding the fact that it is a plural notion. In general, jurists refer to a spectre of mutuality. Hence, so as to favour a better understanding of the insured in regard to the juridical content of the contract, the normative basis of the obligations of the parties should be redefined in a sense that is less loaded ideologically. This redefinition would allow to better address the technical, economic and actuarial characters of the service that insurers offer, thus establishing more precise markers to contractual obligations.