NFU Mutual Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if NFU Mutual is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on NFU Mutual home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is NFU Mutual the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail NFU Mutual’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,5 Safe overall rating for NFU Mutual

Safe ratingOur opinion
Customer service & satisfaction
and claims

Home and Lifestyle insurance rated 5 stars by Defaqto
98 of claims paid on the period 2013 – 2019
Which? recommended provider
UK-based call centres
300 local agencies

Cover provided for your home

No maximum sum insured limit for both building and contents insurance
Cover for trace and access up to £10 000
Owner’s liability up to £2,5M
Bespoke cover available

Value for money

No admin fees
 NCD available

Financial strength

Home insurance underwritten by NFU Mutual

Technology

Minimalistic and very clear website organized with buttons
Claim form available online
No chatbot available to guide customers
No social medial help support

Safe rating for NFU Mutual home insurance

Expert and customer satisfaction reviews for NFU Mutual home insurance

Review organisationNFU Mutual home insurance reviews

Defaqto expert
defaqto 5 stars
Smartmoneypeople4,6/5 based on 30 customers reviews
Overall Which? Score

83%

Consumer satisfaction rates on reviews for NFU Mutual home insurance

Our general opinion on NFU Mutual home insurance

NFU Mutual was founded in 1910.

According to Which, the company 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.

What does NFU Mutual home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at NFU Mutual will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at NFU Mutual covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

NFU Mutual buildings and contents insurance

NFU Mutual provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

NFU Mutual building insuranceLimits
Maximum sum insured

Unlimited

Owner liability

£2 500 000

Alternative emergency accomodation

25% of sum insured

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£10 000

Burst pipe

As standard

Blockage of sewer pipe

As standard

Gradual build-up of groundwater

Not covered

Subsidence

As standard

Underground services

As standard

Keys cover

£1 000

Flood and storm damage (except for fences)

As standard

NFU Mutual building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

Unlimited

Owner liability

£2 500 000

Alternative emergency accomodation

25% of sum insured

Period of home’s unoccupancy cover

60 days

Damage made by pets

Available as extra

Contents kept in garden

£5 000

Contents kept in outbuildings (garage included)

£5 000

Thefts from outbuildings

£5 000

Single item limit for valuables

£7 500

Items temporarily removed from home

Not covered

Money in and outside the homeInside:

£2 500


Outside:

£1 000 (under personal possessions cover – optional extra)

Credit cards in and outside the homeInside:

£10 000


Outside:

£10 000 (under personal possessions cover – optional extra)

Business equipment kept at home

£5 000

Student equipment

£7 500

Keys cover

£1 000

NFU Mutual contents insurance

NFU Mutual home insurance additional cover

On top of your NFU Mutual buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Optional extra
  • Up to £1 000 per call out
  • Up to £1 750 for emergency accommodation (7 nights)
Boiler cover
  • Part of the home emergency optional extra
  • Up to £1 000 for boiler repair
  • Up to £500 for boiler replacement
Legal protection
  • Optional extra
  • Up to £50 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • No limit for personal possessions cover at home
  • No limit for single item limit away from home
  • Up to £1 000 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover
  • Phone’s real value limit
Bicycle cover
  • Optional extra
  • No limit

NFU Mutual home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£50 for buildings insurance / £25 for contents insurance
Excess for escape water claims£250 for buildings insurance / £0 for contents insurance
Excess for subsidence claims£1 000
Excess for personal possessions£25
Excess for keys£50
NFU Mutual home insurance main excess

NFU Mutual home insurance fees and NCD

To manage your policy, renew, cancel or modify it, NFU Mutual fees are as follows:

Fees applied to manage your NFU Mutualhouse policy
Interests on payment installments0,00%
To renew my policy£0
To adjust my policy£0
To duplicate documents£0
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off period£0
For payment default£0
To switch from one insurer to NFU MutualNot covered
Home insurance fees at NFU Mutual

How much does NFU Mutual home insurance cost?

You will below indicative quotes for building and contents insurance at NFU Mutual:

Building insuranceContents insurance
Excess£50 for buildings insurance / £25 for contents insurance£50 for buildings insurance / £25 for contents insurance
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Premium£172,25£337,98
Home insurance quotes at NFU Mutual

It is very difficult to give a precise range of how much exactly will your home insurance cost at NFU Mutual as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

NFU Mutual will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

NFU Mutual home insurance discounts available

Discount is given for buying combined policy.

How do I a claim on NFU Mutual home insurance?

At NFU Mutual, you can report a home insurance claim either by phone or filling in the claim form available online.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on NFU Mutual home insurance?
Claim online

Claim form

Claim by phone

0800 197 0963

How to claim on my home insurance at NFU Mutual

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel NFU Mutual house insurance?

To cancel your NFU Mutual house insurance, here is what you need to know: 

Cancelling your home insurance at NFU Mutual
Cancellation notice if NFU Mutual cancel your policy14 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £0
Cancel by mail

NFU Mutual
Stratford Upon Avon,
Tiddington Road
Warwickshire CV37 7BJ, GB

Cancel online

You can also cancel your home insurance policy through the general enquiry form online.

Cancel by phone

0808 301 7713

How to cancel my NFU Mutual home insurance

How to contact NFU Mutual home insurance?

ServicesPhone numbersOpening hours
Claims

0800 197 0963

Mon – Fri: 9am – 5pm

Legal Expenses

0117 934 0573

Mon – Fri: 9am – 5pm

Existing customers

0808 301 7713

Monday-Friday: 8am-8pm
Saturday: 9am-12.30pm
Sunday: Closed

Emergency helpline

0800 282 652

24/7

Home emergency and lifestyle (available if extra premium has been paid)

0330 303 1468

24/7

How to contact NFU Mutual home insurance

NFU Mutual home insurance contact details

NFU Mutual contact details
NFU Mutual address

NFU Mutual
Stratford Upon Avon,
Tiddington Road
Warwickshire CV37 7BJ, GB

Customer service email

Not available

Chatbot available

Not available

NFU Mutual contact details

How do I log in to NFU Mutual customer portal?

There is no customer portal available. But you can have access to your policy documents, make a change, ask for renewal by filling in the form online.

How do I get NFU Mutual home insurance quotes? 

To get a quote online at NFU Mutual, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If NFU Mutual is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get NFU Mutual home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your NFU Mutual house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.