NFU Mutual

The NFU (National Farmers Union) Mutual was founded over 100 years ago to help provide insurance for farmers.  

Today, it provides insurance and investments across the whole market - you don't have to be a farmer to apply for its products. But it specialises in covering those who live in rural areas. They are currently based in Stratford-upon-Avon.

It offers a range of financial products, from ISAs to insurance for horses, as well as car and home insurance.

NFU Mutual
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Gold ribbon: first place

Car insurance

Ranked 1st of 52 providers reviewed.

Customer happiness 80.45%
Customer trust 77.85%
Complaints performance 84.42%
Transparency rating 66.63%
Fairer Finance score
Reviewed Autumn 2022
77%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 2nd of 48 providers reviewed.

Customer happiness 73.86%
Customer trust 70.43%
Complaints performance 84.42%
Transparency rating 86.75%
Fairer Finance score
Reviewed Autumn 2022
79%
Gold ribbon: first place

Life insurance

Ranked 4th of 26 providers reviewed.

Claims score 90.00%
Complaints performance 84.45%
Transparency rating 70.03%
Fairer Finance score
Reviewed Autumn 2022
81%

Car insurance

NFU Mutual

Car Insurance

4 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £0.00
Windscreen replacement excess i £50.00
Repairs guarantee (years) i Lifetime
New car replacement i
Cover limit for stolen keys i Unlimited
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Home insurance (building and contents)

NFU Mutual

Home and Lifestyle

4 stars
Matching sets (Contents) i
Theft from outbuildings cover limit i £5,000.00
Escape of water excess i £250.00
Garden plants i Sum Insured
Alternative accommodation cover limit for contents i 25% of sum insured
Alternative accommodation cover limit for buildings i 20% of sum insured
Cover for keys if lost i £2,500.00
Money in the home i £2,500.00
Replace belongings new for old i
Buildings Cover limit i
Contents Cover limit i
24hr helpline i
Temporary freezer storage
Dual Contents i
Business Equipment
Personal possessions cover whilst living in a nursing home or residential care setting i
Medical Equipment Loan i
Theft from bogus officials i

NFU Mutual

Bespoke Home Insurance

3 stars
Matching sets (Contents) i
Theft from outbuildings cover limit i £20,000.00
Escape of water excess i £250.00
Garden plants i Sum Insured
Alternative accommodation cover limit for contents i Sum insured
Alternative accommodation cover limit for buildings i £1,750.00
Cover for keys if lost i £1,000.00
Money in the home i £10,000.00
Replace belongings new for old i
Buildings Cover limit i
Contents Cover limit i
24hr helpline i
Temporary freezer storage
Dual Contents i
Business Equipment
Personal possessions cover whilst living in a nursing home or residential care setting i
Medical Equipment Loan i
Theft from bogus officials i

Buildings insurance

NFU Mutual

Home and Lifestyle

3 stars
Trace and Access i £5,000.00
Cover for keys if lost i £1,000.00
Matching sets i
Rainfall (mm) i Not Defined
Alternative accommodation cover limit i 20% of sum insured
Cover for keys if stolen i Unlimited
Compulsory excess i £100.00
Escape of water excess i £250.00
24hr helpline i
Property owner liability i £2,500,000.00

NFU Mutual

Bespoke Home Insurance

2 stars
Trace and Access i Sum insured
Cover for keys if lost i £1,000.00
Matching sets i
Rainfall (mm) i Not Defined
Alternative accommodation cover limit i £1,750.00
Cover for keys if stolen i Sum insured
Compulsory excess i £500.00
Escape of water excess i £250.00
24hr helpline i
Property owner liability i £10,000,000.00

Contents insurance

NFU Mutual

Home and Lifestyle

5 stars
Matching sets i
Cover for keys if lost i £2,500.00
Theft from outbuildings cover limit i £5,000.00
Cycles included whilst in the home i Part of sum insured
Replace belongings new for old i
Cover for keys if stolen i £2,500.00
Money in the home i £2,500.00
Alternative accommodation cover limit i 25% of sum insured
24hr helpline i

NFU Mutual

Bespoke Home Insurance

4 stars
Matching sets i
Cover for keys if lost i £1,000.00
Theft from outbuildings cover limit i £20,000.00
Cycles included whilst in the home i Part of sum insured
Replace belongings new for old i
Cover for keys if stolen i £1,000.00
Money in the home i £10,000.00
Alternative accommodation cover limit i Sum insured
24hr helpline i

Pet insurance

Cat insurance

NFU Mutual

Bespoke Home Insurance £3,000

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £3,000.00
Medical excess i Variable
Annual policy limit i £3,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £3,000.00
Complementary treatment i £3,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £3,000.00
Euthanasia cover limit i £3,000.00
Cremation i £3,000.00
Holiday cancellation i £1,000.00
Holiday cover i £3,000.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £1,500.00
Emergency expenses abroad i £250.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

NFU Mutual

Bespoke Home Insurance £4,000

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £4,000.00
Medical excess i Variable
Annual policy limit i £4,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £4,000.00
Cruciate ligament damage i £4,000.00
CT scans i £4,000.00
MRI scans i £4,000.00
Prescription diet (treatment of bladder stones only) i £4,000.00
Complementary treatment i £4,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £4,000.00
Euthanasia cover limit i £4,000.00
Cremation i £4,000.00
Holiday cancellation i £1,000.00
Holiday cover i £4,000.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £1,500.00
Emergency expenses abroad i £250.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

NFU Mutual

Home and Lifestyle £3,000

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £3,000.00
Medical excess i Variable
Annual policy limit i £3,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £3,000.00
Complementary treatment i £3,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £3,000.00
Euthanasia cover limit i £500.00
Cremation i £500.00
Holiday cancellation i £1,000.00
Holiday cover i £3,000.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £1,500.00
Emergency expenses abroad i £250.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

NFU Mutual

Home and Lifestyle £4,000

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £4,000.00
Medical excess i Variable
Annual policy limit i £4,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £4,000.00
Cruciate ligament damage i £4,000.00
CT scans i £4,000.00
MRI scans i £4,000.00
Prescription diet (treatment of bladder stones only) i £4,000.00
Complementary treatment i £4,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £4,000.00
Euthanasia cover limit i £500.00
Cremation i £500.00
Holiday cancellation i £1,000.00
Holiday cover i £4,000.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £1,500.00
Emergency expenses abroad i £250.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

NFU Mutual

Bespoke Home Insurance £2,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,000.00
Medical excess i Variable
Annual policy limit i £2,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescription diet (treatment of bladder stones only) i £2,000.00
Complementary treatment i £2,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £2,000.00
Euthanasia cover limit i £2,000.00
Cremation i £2,000.00
Holiday cancellation i £1,000.00
Holiday cover i £2,000.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £1,500.00
Emergency expenses abroad i £250.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

NFU Mutual

Home and Lifestyle £2,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,000.00
Medical excess i Variable
Annual policy limit i £2,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescription diet (treatment of bladder stones only) i £2,000.00
Complementary treatment i £2,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £2,000.00
Euthanasia cover limit i £500.00
Cremation i £500.00
Holiday cancellation i £1,000.00
Holiday cover i £2,000.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £1,500.00
Emergency expenses abroad i £250.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Dog insurance

NFU Mutual

Bespoke Home Insurance £4,000

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £4,000.00
Medical excess i Variable
Annual policy limit i £4,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £4,000.00
Cruciate ligament damage i £4,000.00
CT scans i £4,000.00
MRI scans i £4,000.00
Prescription diet (treatment of bladder stones only) i £4,000.00
Complementary treatment i £4,000.00
Euthanasia cover limit i £4,000.00
Cremation i £4,000.00
Age when compulsory excess rises i
Amendment fee i £0.00
Holiday cancellation i £1,000.00
Holiday cover i £4,000.00
If renewed, are existing conditions covered? i

NFU Mutual

Home and Lifestyle £4,000

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £4,000.00
Medical excess i Variable
Annual policy limit i £4,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £4,000.00
Cruciate ligament damage i £4,000.00
CT scans i £4,000.00
MRI scans i £4,000.00
Prescription diet (treatment of bladder stones only) i £4,000.00
Complementary treatment i £4,000.00
Euthanasia cover limit i £500.00
Cremation i £500.00
Age when compulsory excess rises i
Amendment fee i £0.00
Holiday cancellation i £1,000.00
Holiday cover i £4,000.00
If renewed, are existing conditions covered? i

NFU Mutual

Bespoke Home Insurance £2,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,000.00
Medical excess i Variable
Annual policy limit i £2,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescription diet (treatment of bladder stones only) i £2,000.00
Complementary treatment i £2,000.00
Euthanasia cover limit i £2,000.00
Cremation i £2,000.00
Age when compulsory excess rises i
Amendment fee i £0.00
Holiday cancellation i £1,000.00
Holiday cover i £2,000.00
If renewed, are existing conditions covered? i

NFU Mutual

Bespoke Home Insurance £3,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £3,000.00
Medical excess i Variable
Annual policy limit i £3,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £3,000.00
Complementary treatment i £3,000.00
Euthanasia cover limit i £3,000.00
Cremation i £3,000.00
Age when compulsory excess rises i
Amendment fee i £0.00
Holiday cancellation i £1,000.00
Holiday cover i £3,000.00
If renewed, are existing conditions covered? i

NFU Mutual

Home and Lifestyle £2,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,000.00
Medical excess i Variable
Annual policy limit i £2,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescription diet (treatment of bladder stones only) i £2,000.00
Complementary treatment i £2,000.00
Euthanasia cover limit i £500.00
Cremation i £500.00
Age when compulsory excess rises i
Amendment fee i £0.00
Holiday cancellation i £1,000.00
Holiday cover i £2,000.00
If renewed, are existing conditions covered? i

NFU Mutual

Home and Lifestyle £3,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £3,000.00
Medical excess i Variable
Annual policy limit i £3,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £3,000.00
Complementary treatment i £3,000.00
Euthanasia cover limit i £500.00
Cremation i £500.00
Age when compulsory excess rises i
Amendment fee i £0.00
Holiday cancellation i £1,000.00
Holiday cover i £3,000.00
If renewed, are existing conditions covered? i