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 49 providers reviewed.

Customer happiness score 78.78%
Customer trust score 77.15%
Complaints performance 76.64%
Transparency rating 67.89%
Fairer Finance score
Reviewed Autumn 2023
75%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 2nd of 46 providers reviewed.

Customer happiness score 69.26%
Customer trust score 68.03%
Complaints performance 76.64%
Transparency rating 76.82%
Fairer Finance score
Reviewed Autumn 2023
73%
Gold ribbon: first place

Life insurance

Ranked 11th of 24 providers reviewed.

Claims score 90.00%
Complaints performance 76.65%
Transparency rating 62.56%
Fairer Finance score
Reviewed Autumn 2023
76%

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

Commercial Vehicle Insurance

NFU Mutual

Van Insurance

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

Home emergency cover

NFU Mutual

NFU Mutual Bespoke Home Emergency

5 stars
Home Security Cover i
Home Emergency Cover limit i £1,500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-ON
Alternative Accommodation Cover i £1,750.00
Unoccupied period i 60
Claims limit i Unlimited

NFU Mutual

Home Emergency

4 stars
Home Security Cover i
Home Emergency Cover limit i £1,000.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-ON
Alternative Accommodation Cover i £1,750.00
Unoccupied period i 60
Claims limit i Unlimited

Home insurance (building and contents)

NFU Mutual

Home and Lifestyle

3 stars
Theft from outbuildings i £5,000.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i 20% of the sum insured
Escape of water excess i £450.00
Additional escape of water excess i £0.00
Flood excess i £250.00
Cover away from home offered for: jewellery Not covered
Keys/locks if lost or stolen (Buildings) i £1,000.00
Trace and access i £5,000.00
Buildings cover limit i
Money in the home i £2,500.00
Contents sum insured i
Visitor's possessions i £5,000.00
Office equipment i £15,000.00
Alternative accommodation cover limit for contents i 20% of the sum insured
Escape of water excess (minimum) i £450.00
Cancellation fee after 14 days i £0.00
Cancellation fee within 14 days i £0.00
Contents compulsory excess i £50.00
Property owner liability i £2,500,000.00
Liability to domestic employees i £2,500,000.00
Liability as a tenant i £2,500,000.00
Replace belongings new for old i

Buildings insurance

NFU Mutual

Home and Lifestyle

2 stars
Matching sets (Buildings) i
Escape of water excess (minimum) i £450.00
Buildings compulsory excess i £100.00
Escape of water excess i £450.00
Unoccupied period i 60.00
24hr helpline i
Cancellation fee after 14 days (buildings) i £0.00
Amendment fee (telephone) i £0.00
Property owner liability i £2,500,000.00

Contents insurance

NFU Mutual

Home and Lifestyle

5 stars
Matching sets (contents) i
Theft from outbuildings i £5,000.00
Windspeed (mph) i Not Defined
Property owner liability i £2,500,000.00

Motorbike Insurance

NFU Mutual

Motorcycle Insurance

2 stars
Accessories cover i Unlimited
Storage costs pre-repair i
Uninsured driver promise i
Vandalism cover i
Vermin cover i
Accident recovery i
Is motor legal protection optional i As Standard
Personal accident cover limit i £0.00
Repair Guarantee i Lifetime

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
Is there an option to cover pre-existing conditions? 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
Is there an option to cover pre-existing conditions? 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
Is there an option to cover pre-existing conditions? 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
Is there an option to cover pre-existing conditions? i

NFU Mutual

Bespoke Home Insurance £2,000

3 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
Is there an option to cover pre-existing conditions? i

NFU Mutual

Home and Lifestyle £2,000

3 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
Is there an option to cover pre-existing conditions? 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
Is there an option to cover pre-existing conditions? 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
Is there an option to cover pre-existing conditions? 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
Is there an option to cover pre-existing conditions? 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
Is there an option to cover pre-existing conditions? i

NFU Mutual

Bespoke Home Insurance £2,000

3 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
Is there an option to cover pre-existing conditions? i

NFU Mutual

Home and Lifestyle £2,000

3 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
Is there an option to cover pre-existing conditions? i