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.
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| 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% |
| 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% |
| Claims score | 90.00% |
|---|---|
| Complaints performance | 76.65% |
| Transparency rating | 62.56% |
| Fairer Finance score Reviewed Autumn 2023 |
76% |
| 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 |
| 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 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 |
| 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 |
| 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 |
| 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 |
| Matching sets (contents) i | |
|---|---|
| Theft from outbuildings i | £5,000.00 |
| Windspeed (mph) i | Not Defined |
| Property owner liability i | £2,500,000.00 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |