NFU Mutual Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through NFU Mutual car insurance.

You might already know that NFU Mutual offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is NFU Mutual the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail NFU Mutual car policy terms and conditions and given our own ratings based on different criteria.

3 Safe overall rating for NFU Mutual

Our ratingOur opinion
Customer service & satisfaction

Policy information documents are readily available
2.1/5 based on 148 reviews gotten on TrustPilot
The contact details for most of the services offered are not listed on the website

Cover provided

Unlimited cover is provided for windscreens, windows and sunroofs for the comprehensive cover
Unlimited cover is provided for audio equipment, sat nav and child car seats for the comprehensive cover
£20m third party liability cover is provided
courtesy car is only provided for 14 days for the comprehensive cover

Value for money

No admin fees charged for changes made to any insurance policy
Guarantee is given on repair work when an approved repairer is used
A 6% – 10% discount is given to NFU members for renewals

Financial strength for pay out

Strong financial capability

Technology

Information on the policies offered by the company is readily available on the website
Absence of live bot to answer questions
Absence of Black box and app
No online login option

Safe rating for NFU Mutual

Expert and customer reviews on NFU Mutual

We compiled expert and customer reviews from independent institutions, to give you an overall idea of NFU Mutual's reputation.

Review organisationConsumer satisfaction rates for NFU Mutual
Defaqto expert rating for NFU Mutual defaqto 5 stars
TrustPilot2,1/5 based on 148 opinions
Consumer satisfaction rates on reviews for NFU Mutual

To check if NFU Mutual is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

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Our review on NFU Mutual car insurance policy

This insurance company was founded in 1910 and at the moment, it 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.

What does NFU Mutual car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at NFU Mutual?

Car insurance policyAvailable at NFU MutualCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
Comprehensive
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at NFU Mutual

Keep in mind that you can always add optional extras to your policy.

Main guarantees at NFU Mutual explained in details

Let's find out what does NFU Mutual covers in its car insurance policy.

Breakdown cover at NFU Mutual

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.

Keycare cover at NFU Mutual

NFU only provides replacement services for car, ignition or steering locks in the event that the keys were stolen. Cover for replacement would not be offered if the keys were misplaced.

Windscreen cover at NFU Mutual

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 at NFU Mutual

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 policy injury available at NFU Mutual

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.

Coverage abroad at NFU Mutual

Abroad coverage is available under the comprehensive insurance policy and this coverage allows the holders to travel through Europe. The list of countries includes:

Andorra, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Courtesy car at NFU Mutual

A courtesy car is provided for 14 days when:

  • the car has is considered to be beyond repair or in the case that it has been stolen
  • the courtesy hire cars provided are usually 1.0 litre hatchback and are usually less than one year old. They are not intended to be a direct replacement of the damaged or stolen car.

Bonus accelerator at NFU Mutual

NFU Mutual accelerates the no claims bonus for young and learning drivers who are children of NFU members and fall between the ages of 17-21. This means that one year of ncb is given at the start of the schem and another is given at the end of the scheme. This is only applicable when renewing a policy however.

No-Claim Bonus (NCB) at NFU Mutual

You will find below NFU’s No-Claim bonus rates proposed to their drivers:

1 Year NCB – 30%
2 Year NCB – 40%
3 Year NCB – 50%
4 Year NCB – 60%
5 Year NCB – 65%
6 Year NCB – 66%
7 Year NCB – 67%
8+ Years NCB – 67%

The No Claims DIscount is not affected by payments for emergency treatment fees, windscreen and sunroof repairs and claims where the driver was not at fault.

At NFU Mutual, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 2 claim in 5 years.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

NFU Mutual car insurance terms and conditions

How much does NFU Mutual car insurance cost?

You'll find below indicative car insurance quotes at NFU Mutual:

Drivers'ageMonthly premium
18 years old£101,64
40 years old £41,92
60 years old£30,91
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of NFU Mutual insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at NFU Mutual?

Promo codes discounts for members are available.

Discount typesComment
Discounts- A 6% to 10% discount is given to NFU members
Discounts and cashbacks available at NFU Mutual

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

NFU Mutual car insurance policy summarized

Guarantees

At NFU Mutual
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£100
Personal belongings£250
Audio equipment

No

Medical expenses

£250

Liability limit for property damage£20 000 000 - £2 000 000
Legal expense£100 000
Courtesy car benefit

As standard

Courtesy car cover

14 days

Coverage abroad

Not stated

Guarantees at NFU Mutual

Excess

At NFU Mutual
Fire excess£100
Theft excess£100
Accidental damage excess£100
Windscreen replacement excessNo excess amount is required to make up for the unlimited services
Young driver excess

no

Excess at NFU Mutual

Admin fees

At NFU Mutual
Interest charged by payment installments

0.00%

Renewal fees

£0

Cancellation fees

Cancellation fees during cooling off period: not stated
Cancellation fees outside cooling off period: not stated

Modification fees

£0 online

Admin fees at NFU Mutual

Other car insurance policies available at NFU Mutual

NFU Mutual multi-car insurance

For NFU, the multicover option is only available for business vehicles and it is called the fleet insurance policy. Different drivers and cars can be added to an insurance policy. The cover is provided for businesses that need to insure more than one vehicle. The following are available under the multicar cover option:

  • £250 personal belongings cover
  • £500 cover for tools
  • european travel cover
  • 24/7 helpline
  • motor legal protection
  • medical expenses cover
  • public liability cover
  • replacement of locks if your keys are stolen
  • provision of courtesy car
  • roadside assistance in the case of a breakdown.

NFU Mutual black-box insurance

NFU offers a young drivers scheme option young and learning drivers. It is available for young drivers who are children of NFU members and fall between the ages of 17-21. The aim of this scheme is to teach them to drive safely. 2 years of No Claims Discount is attached to the scheme.

NFU Mutual learner driver car insurance

NFU offers a young drivers scheme option young and learning drivers. It is available for young drivers who are children of NFU members and fall between the ages of 17-21.

NFU Mutual business car insurance

The business car insurance that NFU provides allows you to drive wherever your work takes you. The following are offered alongside the insurance cover:

  • cover for a wide range of vehicles;
  • cover in the case that the vehicle is stolen;
  • windscreen cover.

NFU Mutual van insurance

The van insurance policy offered by NFU comes with many benefits, some of which include:

  • £500 tool replacement cover
  • 14 days courtesy car
  • replacement of new vehicles up to 12 months

How to contact NFU Mutual auto insurance?

NFU Mutual phone numbers 

You will find all important phone numbers to contact NFU Mutual car insurance:

Contact numberOpening hours

Customer Service

01789 202 995

Monday to Friday: 8am-8pm,
Saturday: 9am-12:30pm

Quotes

0800 316 4661

Monday to Friday: 8am-8pm,
Saturday: 9am-12:30pm

Claims

0800 282 652

24 hours a day

Existing Customers

0800 316 4661

Monday to Friday: 8am-8pm,
Saturday: 9am-12:30pm

Contact numbers at NFU Mutual

NFU Mutual other contact details

You'll find below NFU Mutual main contact details:

Contact details of NFU Mutual
Email address

Email form

Customer account with NFU Mutual login

Not available

Social mediaFacebook, Twitter, LinkedIn
ChatbotNo
Contact details at NFU Mutual

You can also contact them by mail by writing to NFU Mutual car insurance:

NFU Car Insurance
Tiddington Road
Stratford upon Avon
Warwickshire
CV37 7BJ

How to claim at NFU Mutual?

You can make a claim by calling the claims department at NFU Mutual.

ServiceCar claim
Claim by phone

0800 282 652

Claim process at NFU Mutual

How to cancel your car insurance at NFU Mutual?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, NFU Mutual as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, NFU Mutual has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You can also write to NFU Mutual to cancel your car insurance policy:

The National Farmers Union Mutual Insurance Society Limited
Tiddington Road, Stratford upon Avon,
Warwickshire CV37 7BJ

You would need to have various documents ready such as:

NFU Mutual could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.