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 53 providers reviewed.

Customer happiness 82%
Customer trust 79%
Complaints performance 77%
Transparency rating 76%
Fairer Finance score
Reviewed Autumn 2019
78%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 3rd of 49 providers reviewed.

Customer happiness 73%
Customer trust 69%
Complaints performance 77%
Transparency rating 57%
Fairer Finance score
Reviewed Autumn 2019
69%
Gold ribbon: first place

Life insurance

Ranked 5th of 24 providers reviewed.

Claims score 100.00%
Complaints performance 79%
Transparency rating 53%
Fairer Finance score
Reviewed Autumn 2019
77%

Car insurance

NFU Mutual

Car Insurance

3 stars
Cover limit for lost keys i £0
Uninsured driver promise i
Courtesy car for duration of repair 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
24hr helpline available i 50
Repairs guarantee (years) i Lifetime
Courtesy car provided if stolen / total loss i

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
Matching sets i
Cover for keys if lost i £1,000
Compulsory excess i £50
Escape of water excess i £250
Alternative accommodation cover limit i £75,000
Cover for keys if stolen i Unlimited
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
Matching sets i
Cover for keys if lost i Sum insured
Compulsory excess i £250
Escape of water excess i £250
Alternative accommodation cover limit i Unlimited
Cover for keys if stolen i Sum insured
Property owner liability i £10,000,000
24hr helpline i

Contents insurance

NFU Mutual

Home and Lifestyle

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

NFU Mutual

Bespoke Home Insurance

4 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