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On the other hand, since Mutual Associations rely on their members for funding, and can only meet their claims as long as members continue to pay, they may usually ask their members for supplementary calls during the year, so the final cost is not only uncertain but it also may go higher than the cost of the fixed premium cover.
Therefore it is usual for some clubs to offer attractive annual rates with minimum increases, however then to ask for higher supplementary calls during the year resulting in a higher total cost.
Each club has its own philosophy in regards with the reserves and the shipowners should evaluate and choose according to their preferences. Some shipowners seem to prefer clubs with high reserves in order to feel safe that all their risks will be covered, while others go with the clubs which keep lower reserves in order to avoid high supplementary calls during the year.