WORK DONE OR PROJECTED 245 



Detailed statistics are available in respect only to 31 out 

 of the 33 registered. Of these 31 clubs, 16 are in Lincolnshire 

 and five in Gloucestershire. The remainder are in seven 

 different counties. One of the clubs, the Langworth, 

 Lincolnshire, dates from 1859, and there are eight others 

 which have been at work for over 40 years. At the end of 

 1910 the 31 clubs had 1,598 members, an average of 52 

 members, and insured altogether 3,118 pigs, an average of 

 101 pigs per club and of two pigs per member. The net 

 result of the working for the year was that the members, by 

 making payments amounting in all to an average of 2s. 4^. 

 per pig insured, obtained payment of compensation averaging 

 2 ios., and in some cases amounting to 5 or over, in respect 

 to each pig that died from disease or accident during the 

 year ; though some of the societies have, by good manage- 

 ment and the building up of a substantial reserve fund, 

 attained a much more satisfactory position. Two clubs, 

 one at Kemerton (Gloucestershire) and the other at Bredon 

 (Worcestershire) have such large reserve funds that their 

 members of four years' standing now pay only Sd. a year 

 each, in return for which nominal subscription they are 

 guaranteed payment of the full value of any pigs that may 

 die from disease or accident. Contrasting the operation of 

 the pig clubs with that of ordinary large insurance companies 

 which deal with the insurance of live stock, the writer of 

 the article from which these facts are taken says : 



If, instead of insuring co-operatively, the members were to 

 insure their pigs individually with one of these companies for a 

 sum which might in any case amount to 5, they would have to 

 pay a premium of at least 55. a year, which would not cover so 

 many risks as are now covered by their average payments of 

 2s. 4^. per annum. It seems safe to say that no insurance 

 company would, for less than 8s. per pig, per annum, undertake 

 the risks successfully undertaken by the Kemerton and Bredon 

 clubs at a cost to old members of 8^. a year. Such are the 

 wonderful results of co-operation and care and fair dealing 

 among neighbours. 



Many of the societies, it is further stated, consist largely 

 of working men, who insure only one pig each. 



