Is NFU Mutual a Good Insurance Company?
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Discover the methodologyYou are considering buying an insurance policy at NFU Mutual and are wondering if NFU Mutual is the best insurer for you?
You've come to the right place!
In the below guide you’ll find everything you need to know about NFU Mutual: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.
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Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for NFU Mutual.
Who is NFU Mutual?
Mutual has a long history having been formed initially in 1910 with the name of Midlands Farmers Mutual Insurance Society by a group of farmers to support the National Farmers Union. Although the Society first offered life insurance cover in the 1920s, it wasn't until the 1980s that it began to serve the wider community rather than only the farming industry. NFU Mutual is authorised and regulated by the Financial Conduct Authority.
What are the main insurance policies available at NFU Mutual?
Let's discover below main insurance policies offered by NFU Mutual.
| Safe overall rate | Our reviews | |
|---|---|---|
| Car insurance | Get to know more | |
| Travel insurance | Get to know more | |
| Home insurance | Get to know more | |
| Life insurance | Get to know more |
NFU Mutual expert and consumers reviews: Defaqto, TrustPilot
NFU Mutual is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.
Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at NFU Mutual.
| Defaqto | |
|---|---|
| Car insurance | 5 |
| Home insurance | 5 |
Is NFU Mutual a good car insurance company?
3,2 Safe overall rating for NFU Mutual car insurance
NFU Mutual car insurance has a 5-star Defaqto rating and a 2.1 rating on TrustPilot. One good aspect of the covers provided by NFU is that it offers the breakdown cover as a standard and this option is available for all the insurance cover policies offered by this company. Its target customers are drivers in the rural areas and with its comprehensive cover, it offers services like Courtesy car, 3 years guarantee on repairs, no claims discount, 24/7 emergency helpline and many others. It is recommended.
In addition to typical car insurance coverage choices, NFU Mutual offers, among other options:
Breakdown cover
The three insurance policies offered by NFU: Comprehensive Car Insurance, Third Party Fire and Theft, and Third Party policies all come with the Mutual Assist Breakdown Cover which is provided as a standard.
You can choose to upgrade your breakdown cover with two other formulas for an additional £19.99 or £34.99 to be paid annually.
The three levels of cover offered are:
Mutual assist: this is offered as a standard for all insurance policies and it includes the following:
- accidental misfuelling cover
- 48 hour hire car if the car cannot be repaired immediately
- roadside assistance.
National assist: this option can be added to an insurance policy for £19.99 and it includes the following:
- accidental misfuelling cover
- 48 hour hire car if the car cannot be repaired immediately
- roadside assistance
- up to £150 for accommodation in the case that the car cannot be fixed immediately.
National assist plus home assist: this option can be added to an insurance policy for £34.99 and it includes the following:
- accidental misfuelling cover
- 48 hour hire car if the car cannot be repaired immediately
- roadside assistance
- up to £150 for accommodation in the case that the car cannot be fixed immediately
- cover for breakdowns that happens within 1/4 mile of the driver's home.
Windscreen cover
The windscreen cover is already included in the comprehensive cover as a standard but for the third party, or third party fire and theft cover, payment for the repair or replacement of the windscreen would have to be made. Claim on windscreen, window or sunroof does not affects the NCB.
Motor legal protection
Motor Legal Protection provided by NFU offers up to £100,000 of cover for legal costs if you're involved in a motor accident that is not your fault. The cover is to cover personal injury and uninsured losses and would be granted if there is a high chance that the claim taken out would be successful. Motor Legal Protection provides cover for:
- access to legal counsel;
- cover for the insurance policy holder and other named drivers
- car hire costs.
Personal injury policy
The Personal policy cover that NFU offers is available for the insured and his/her partner and it offers the following:
- £15,000 in the case that the accident leads to death;
- £5,000 in the case that the accident leads to the loss or use of any limb;
- £5,000 in the case that the accident leads to the permanent loss of all sight in one or both eyes.
Besides main car insurance coverage, you can also get extra car insurance options at NFU Mutual. Get to know more, read our complete review on NFU Mutual car insurance.
Is NFU Mutual a good travel insurance company?
3,5 Safe overall rating for NFU Mutual travel insurance
NFU Mutual offers 2 levels of Annual Multi Trip Travel Insurance and one standard Single Trip Travel Insurance Policy with the option for additional covers such as Extended Trip Length cover, Winter Sports Cover, Increased Cancellation Cover and Personal Baggage Cover.
Due to the low customer satisfaction rate on TrustPilot and the company's tendency to hike up the renewal price, we suggest you consider other travel insurance companies such as World First Travel Insurance, Alpha Travel Insurance and RAC Travel Insurance.
For single and annual multi-trip cover, age and maximum number of days limits at NFU Mutual are:
| Main travel insurance policies | Available at NFU Mutual |
|---|---|
| NFU Mutual maximum number of days limit | Single Trip: 12 months |
| NFU Mutual age limit | Single Trip: 85 years |
You will find NFU Mutual cover details (compensations, deductibles, extras etc.) for single and annual multi-trip policies in our review.
Besides main travel insurance policies, NFU Mutual also provides extra cover such as:
- backpackers travel insurance
- long stay travel insurance
- winter sports cover
- golf cover
- cover for business trips
- cruise gear
- gadget cover
The following optional upgrades are available:
- Increased Cancellation Cover
- Extension of Length of Trip
- Personal Belongings and Baggage Cover.
>> MORE: read our complete review on NFU Mutual travel insurance.
Is NFU Mutual a good home insurance company?
4,5 Safe overall rating for NFU Mutual home insurance
According to Which, NFU Mutual ranks at the top regarding home insurance policy, also rated 5 stars by Defaqto. According to the expert, NFU Mutual provides one of the most comprehensive home insurance plan of the market according to the expert.
Indeed, the standard level of building insurance allows you to insure your home without any maximum sum limit. The alternative accommodation cover provided is up to 25% of sum insured. The owner's liability limit is up to £2,5M and the company gives compensation up to £10 000 for trace and access.
The contents insurance provides up to £10 000 for items temporarily removed, and up to £7500 for single item cover.
You can also have access to Bespoke home insurance. The Bespoke home insurance from NFU Mutual is specifically designed for people with higher insurance needs with valuables property to insure or contents insurance including art collections etc.
NFU Mutual building insurance
You will find below building main insurance details for the Home and Lifestyle insurance cover at NFU Mutual:
- Maximum sum insured for your property: Unlimited
- Owner's liability: £2 500 000
- Alternative emergency accomodation: 25% of sum insured
- Period of home's unoccupancy cover: 60 days
- Trace and access: £10 000
- Keys cover: £1 000
- Subsidence excess: £1 000
Alongside building insurance, you can get additional cover such as:
| Home building insurance extras | |
|---|---|
| Home emergency |
|
| Boiler cover |
|
| Family legal protection |
|
NFU Mutual contents insurance
You will find below contents insurance details for the Home and Lifestyle insurance cover at NFU Mutual:
- Maximum sum insured for your contents: Unlimited
- Alternative emergency accomodation: 25% of sum insured
- Single item limit: £7 500
- Contents in the open: £5 000
- Contents in outbuildings: £5 000
- Money / credit card kept at home: £2 500 / £10 000
- Items temporarily removed from home: Not covered
Alongside contents insurance, you can get additional cover such as:
| Home contents insurance extras | |
|---|---|
| Accidental damage cover | Optional extra |
| Personal possessions cover |
|
| Mobile cover |
|
| Bike cover |
|
Standard excess to report a claim at NFU Mutual is £50 for buildings insurance / £25 for contents insurance.
You will find exhaustive cover details, administration fees, contacts etc. on NFU Mutual home insurance on our review below.
>> MORE: read our complete review on NFU Mutual home insurance.
Is NFU Mutual a good life insurance company?
3,8 Safe overall rating for NFU Mutual home insurance
The life insurance cover that NFU provides is administered by AIG was founded in 1919 and offers a wide range of insurance services in more than 80 countries. They offer a wide range of services ranging from critical illness cover, family income benefit, term insurance (level, increasing and decreasing) and whole of life insurance. They have high ratings on both Defaqto and TrustPilot and their effectiveness in terms of customer service was recorded from third party review websites. Their services are recommended.
In summary, here are the main features you need to know when taking out life insurance with NFU Mutual.
| Life insurance criteria | |
|---|---|
| Minimum age | 17 years |
| Maximum age | 86 years |
| Pay-out | Not stated |
| Extras | Not stated |
| Terminal illness | Yes |
You will find everything you need to know on NFU Mutual life insurance in our review.
>> MORE: read our complete review on NFU Mutual life insurance.
NFU Mutual discount codes, promos and vouchers
| Discounts and promo codes available | |
|---|---|
| Car insurance |
|
| Travel insurance | There are no discounts mentioned on the website. |
| Home insurance | Discount is given for buying combined policy. |
| Life insurance | Not stated |
How to contact NFU Mutual?
Find out how to contact and log in to NFU Mutual on our contact page.
