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 2nd of 52 providers reviewed.

Customer happiness 82.48%
Customer trust 78.86%
Complaints performance 79.72%
Transparency rating 65.45%
Fairer Finance score
Reviewed Autumn 2020
77%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 2nd of 51 providers reviewed.

Customer happiness 76.95%
Customer trust 71.11%
Complaints performance 79.6%
Transparency rating 61.51%
Fairer Finance score
Reviewed Autumn 2020
72%
Gold ribbon: first place

Life insurance

Ranked 8th of 24 providers reviewed.

Claims score 100.00%
Complaints performance 80.14%
Transparency rating 51.13%
Fairer Finance score
Reviewed Autumn 2020
77%

Car insurance

NFU Mutual

Car Insurance

3 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £0
New car replacement
24hr helpline available i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i £0
Windscreen replacement excess i £50
Cover limit for stolen keys i Unlimited
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i Lifetime

Home insurance (building and contents)

NFU Mutual

Home and Lifestyle

4 stars
Escape of water excess i £250
Matching sets i
Theft from outbuildings cover limit i £5,000
24hr helpline i
Alternative accommodation cover limit i £75,000
Cover for keys if lost i £1,000
Money in the home i £2,500
Replace belongings new for old i

NFU Mutual

Bespoke Home Insurance

4 stars
Escape of water excess i £250
Matching sets i
Theft from outbuildings cover limit i £20,000
24hr helpline i
Alternative accommodation cover limit i Unlimited
Cover for keys if lost i Sum insured
Money in the home i £10,000
Replace belongings new for old i

Buildings insurance

NFU Mutual

Home and Lifestyle

4 stars
Finding & repairing a leak cover limit i £10,000
Cover for keys if lost i £1,000
Matching sets i
Alternative accommodation cover limit i £75,000
Cover for keys if stolen i Unlimited
Compulsory excess i £50
Escape of water excess i £250
Property owner liability i £2,500,000
24hr helpline i

NFU Mutual

Bespoke Home Insurance

4 stars
Finding & repairing a leak cover limit i Unlimited
Cover for keys if lost i Sum insured
Matching sets i
Alternative accommodation cover limit i Unlimited
Cover for keys if stolen i Sum insured
Compulsory excess i £250
Escape of water excess i £250
Property owner liability i £10,000,000
24hr helpline i

Contents insurance

NFU Mutual

Home and Lifestyle

5 stars
Theft from outbuildings cover limit i £5,000
Matching sets i
Cover for keys if lost i £1,000
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i 25% of sum insured
Money in the home cover limit i £2,500
Cover for keys if stolen i Unlimited
24hr helpline i

NFU Mutual

Bespoke Home Insurance

4 stars
Theft from outbuildings cover limit i £20,000
Matching sets i
Cover for keys if lost i Sum insured
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i Sum insured
Money in the home cover limit i £10,000
Cover for keys if stolen i Sum insured
24hr helpline i

Pet insurance

Cat insurance

NFU Mutual

Bespoke Home Insurance £3,000

5 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £3,000
Euthanasia cover limit i £3,000
Cremation i £3,000
Complementary treatment i £3,000
Age when compulsory excess rises i Doesn't change
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £3,000

NFU Mutual

Bespoke Home Insurance £4,000

5 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £4,000
Cruciate ligament damage i £4,000
CT scans i £4,000
MRI scans i £4,000
Prescription diet (treatment of bladder stones only) i £4,000
Euthanasia cover limit i £4,000
Cremation i £4,000
Complementary treatment i £4,000
Age when compulsory excess rises i Doesn't change
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £4,000

NFU Mutual

Home and Lifestyle £3,000

5 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £3,000
Euthanasia cover limit i £500
Cremation i £500
Complementary treatment i £3,000
Age when compulsory excess rises i Doesn't change
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £3,000

NFU Mutual

Home and Lifestyle £4,000

5 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £4,000
Cruciate ligament damage i £4,000
CT scans i £4,000
MRI scans i £4,000
Prescription diet (treatment of bladder stones only) i £4,000
Euthanasia cover limit i £500
Cremation i £500
Complementary treatment i £4,000
Age when compulsory excess rises i Doesn't change
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £4,000

NFU Mutual

Bespoke Home Insurance £2,000

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £2,000
Dental cover (if due to an accident) i £2,000
Cruciate ligament damage i £2,000
CT scans i £2,000
MRI scans i £2,000
Prescription diet (treatment of bladder stones only) i £2,000
Euthanasia cover limit i £2,000
Cremation i £2,000
Complementary treatment i £2,000
Age when compulsory excess rises i Doesn't change
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £2,000

NFU Mutual

Home and Lifestyle £2,000

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £2,000
Dental cover (if due to an accident) i £2,000
Cruciate ligament damage i £2,000
CT scans i £2,000
MRI scans i £2,000
Prescription diet (treatment of bladder stones only) i £2,000
Euthanasia cover limit i £500
Cremation i £500
Complementary treatment i £2,000
Age when compulsory excess rises i Doesn't change
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £2,000

Dog insurance

NFU Mutual

Bespoke Home Insurance £4,000

5 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £4,000
Cruciate ligament damage i £4,000
CT scans i £4,000
MRI scans i £4,000
Prescription diet (treatment of bladder stones only) i £4,000
Euthanasia cover limit i £4,000
Cremation i £4,000
Complementary treatment i £4,000
Age when compulsory excess rises i Doesn't change
Amendment fee i £0

NFU Mutual

Home and Lifestyle £4,000

5 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £4,000
Cruciate ligament damage i £4,000
CT scans i £4,000
MRI scans i £4,000
Prescription diet (treatment of bladder stones only) i £4,000
Euthanasia cover limit i £500
Cremation i £500
Complementary treatment i £4,000
Age when compulsory excess rises i Doesn't change
Amendment fee i £0

NFU Mutual

Bespoke Home Insurance £2,000

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £2,000
Dental cover (if due to an accident) i £2,000
Cruciate ligament damage i £2,000
CT scans i £2,000
MRI scans i £2,000
Prescription diet (treatment of bladder stones only) i £2,000
Euthanasia cover limit i £2,000
Cremation i £2,000
Complementary treatment i £2,000
Age when compulsory excess rises i Doesn't change
Amendment fee i £0

NFU Mutual

Bespoke Home Insurance £3,000

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £3,000
Euthanasia cover limit i £3,000
Cremation i £3,000
Complementary treatment i £3,000
Age when compulsory excess rises i Doesn't change
Amendment fee i £0

NFU Mutual

Home and Lifestyle £2,000

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £2,000
Dental cover (if due to an accident) i £2,000
Cruciate ligament damage i £2,000
CT scans i £2,000
MRI scans i £2,000
Prescription diet (treatment of bladder stones only) i £2,000
Euthanasia cover limit i £500
Cremation i £500
Complementary treatment i £2,000
Age when compulsory excess rises i Doesn't change
Amendment fee i £0

NFU Mutual

Home and Lifestyle £3,000

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £3,000
Euthanasia cover limit i £500
Cremation i £500
Complementary treatment i £3,000
Age when compulsory excess rises i Doesn't change
Amendment fee i £0