RAC Mutual assist breakdown cover included with all car insurance policies.
NFU Mutual a little difficult to navigate around.NFU Mutual started as a provider for farmers, but now offers great levels of car insurance cover for everyone. All policies from NFU include breakdown cover, European cover, motor legal protection, trailer cover and access to a 24-hour motor legal advice helpline. Find out what else is included and how to save on your policy.
NFU Mutual, or the National Farmers Union Mutual Insurance Society Ltd was founded by seven farmers in a tea shop all the way back in 1910. Since these early beginnings in Warwickshire, it has ploughed on to become a UK-wide company, offering various types of insurance and other financial services.
NFU Mutual’s car insurance policies are underwritten by NFU Mutual Services.
NFU Mutual is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
NFU Mutual has three different levels of insurance: You can get third party cover; third party, fire and theft protection; or a comprehensive policy.
If you have an old banger of a car, then you might opt for the lowest and most basic of these options – third party insurance.
For some people, this is often the cheapest choice, yet it’s always worth getting quotes for third party, fire and theft and comprehensive policies too.
Why? Higher risk drivers have historically taken out third party policies, so insurers sometimes charge you more for these types of deals.
This is the lowest level of car insurance cover NFU Mutual offers. It only covers any injury or damage you do to other people and their property.
This means your own car has zero protection. With NFU Mutual, there is one major perk though. With any of its motor insurance policies, you get Mutual Assist breakdown cover provided by the RAC as standard.
This is the mid-range level of cover NFU Mutual offers. It protects other people and their property if you’re involved in a collision, while also covering your car for any damage it suffers as a result of fire or theft. Extras like in-car entertainment system cover and courtesy car cover are included too.
This protects you for all that third party, fire and theft does, but it also covers your vehicle for any accidental damage or vandalism. You also get several perks with NFU Mutual’s comprehensive policy, such as windscreen repair, entertainment system cover and a courtesy car if your vehicle needs repairs.
NFU Mutual also has a number of extras to add to your cover. Optional extras include the following:
| Cover benefits | Third party | Third party, fire and theft | Comprehensive |
|---|---|---|---|
| Fire and theft | – | ✓ | ✓ |
| RAC Mutual Assist breakdown cover | ✓ | ✓ | ✓ |
| Personal possessions | – | – | Up to £250 |
| Windscreen cover | – | – | ✓ |
| Guarantee on repair work | – | ✓ | ✓ |
| Accidental damage | – | ✓ | |
| Courtesy car cover | – | – | ✓ |
| Windscreen cover | – | ✓ | |
| European car insurance | ✓ | ✓ | ✓ |
| Motor legal protection covering up to £100,000 legal fees | ✓ | ✓ | ✓ |
| In-car entertainment cover | – | Up to £500 | Up to £500 |
| 24-hour motor legal advice helpline | ✓ | ✓ | ✓ |
| Trailer cover | Up to £1,000 | Up to £1,000 | Up to £1,000 |
Check your policy document carefully to ensure it covers everything you need it to cover.
Like with all insurers, NFU Mutual has a list of reasons why it will refuse to pay out for a claim. You will not be covered in the following situations:
For a full list and explanation of the exclusions, see your insurance policy.
A policy excess is the amount you have to contribute towards the costs incurred from a claim and will generally be up to £350. By volunteering to pay a higher excess, you can lower your premium costs. Or vice versa, by lowering your excess fees, you can drive up your premiums. What you’re liable to pay in excess costs will be decided when you take out your policy.
You can make a claim with NFU Mutual by calling its 24-hour claims service on 0800 282 652. You’ll need to have your insurance details to hand when you get in touch.
On customer review platform Trustpilot, NFU Mutual as a company has 2.2 out of 5 stars and a rating of “Poor”, based on more than 200 reviews.
On similar platform, Reviews.io, the company has 3.57 out of 5 stars, based on a handful of reviews. 57% of customers say they would recommend the service.
Customers praise the helpful and personal service, but some report being turned down for cover due to their postcode or job (updated December 2020).
You don’t have to live in the countryside to benefit from car insurance from NFU Mutual. If you’re in the heart of a city, it’s still worth checking if NFU will protect you and your car.
Whilst the website could be easier to navigate around, what is available are details about the cover levels as well as how to make a claim. If you need a little more cover, NFU Mutual has several optional extras that can be bolted onto your policy.
Just remember to shop around and compare the deals on offer to find the best one for you.
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