Contrary to popular belief, car insurance from NFU is not just for those living in rural areas. See the pros and cons of cover and compare policies below to see if it's right for you.
Like many car insurers, NFU Mutual offers 3 levels of cover: third party, third party fire and theft and comprehensive. Both its comprehensive and third party, fire and theft policies are rated the full 5 out of 5 stars by Defaqto. Standard benefits of both policies include breakdown cover, a courtesy car and personal accident cover. These are all sometimes optional extras on car insurance policies.
While 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.
You can only buy NFU insurance directly – it's not on price comparison sites. It's worth checking options on price comparison sites too, though, to make sure you get the best deal for you.
Best for: High-quality cover
Pros
24/7 claims line
No admin fees for amending your policy
RAC Mutual assist breakdown cover included with all car insurance policies
Cons
NFU Mutual website a little difficult to navigate around
Some potential customers report being turned down for cover due to their postcode or job
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 7 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.
Who underwrites NFU Mutual’s car insurance?
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.
What’s covered under my policy?
Product Name
NFU Mutual Third party, fire and theft
NFU Mutual comprehensive
Damage to your car
✓
Damaged windscreen and window glass
✓
✓
Fire and theft
✓
✓
Personal accident cover
✓
Personal belongings
✓
Liabilities to third parties
✓
✓
Using the car abroad
✓
Permanently fitted audio equipment
✓
✓
Check your policy document carefully to ensure it covers everything you need it to cover.
General exclusions
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:
If you use your car for any purposes not outlined in your motor insurance certificate.
If damage is a result of wear and tear.
If your personal possessions aren’t kept in a locked boot or compartment.
For a full list and explanation of the exclusions, see your insurance policy.
What are NFU Mutual’s different policies?
NFU Mutual has 3 different levels of insurance: You can get third party cover, third party, fire and theft 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.
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.
Optional extras
NFU Mutual also has a number of extras to add to your cover. Optional extras include the following:
Continental breakdown cover
Protected no-claims discount protection
RAC National Assist cover
Increased personal possessions cover for motorhomes up to £1,000
How do I make a claim?
You can make a claim with NFU Mutual by calling its 24-hour claims service on 0808 256 4978. You’ll need to have your insurance details to hand when you get in touch.
What is my excess?
A car insurance 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.
NFU Mutual car insurance customer reviews
NFU Mutual was highly commended in the car insurance category of the Finder Customer Satisfaction Awards 2024. Several NFU customers in our survey cited the “personal” touch of its service, and an efficient claims process.
One said: “Service…is exemplary – professional yet friendly and claims are met quickly without fuss.”
Another commented: “Great customer service, very focused on providing personal service.”
Overall, in our survey, 89% of NFU Mutual car insurance customers said they’d recommend the brand to a friend.
What proportion of NFU car insurance customers would recommend it to friends/family?
Response
NFU customers
Average for all brands in our survey
This year
88.57%
80.55%
Last year
72.50%
78.53%
Source: Finder survey by OnePoll of 750 Brits
How to cancel NFU Mutual car insurance
You can cancel your NFU car insurance deal at any time by calling on 0808 291 4194 or writing to the company. It will give you a pro-rata refund for the time in your coverage you haven’t used.
Frequently asked questions
Yes – and you won’t be charged any admin fees.
Regardless of whether you have third party insurance or a comprehensive policy, you’ll be covered for the following countries:
Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man and the Channel Islands, Andorra, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovak Republic, Slovenia, Spain, Sweden, Switzerland and Turkey.
All of NFU Mutual’s car insurance policies include Mutual Assist Breakdown cover from the RAC as standard.
Unfortunately, it only covers breakdowns that are less than 1/4 mile from your home. But, if you’re more than this distance away, it will provide emergency roadside assistance, a tow to a garage and a hire car for up to 48 hours if your car can’t be repaired on the day.
Your expiry date will be on your policy documents. You can also call NFU Mutual on 0808 149 6900 to speak about your policy.
Car insurance scores
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
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To make sure you get accurate and helpful information, this guide has been edited by Liz Edwards as part of our fact-checking process.
Esther Wolffowitz was a publisher at finder.com specialising in insurance. Esther holds an MSc in Media and Communication Governance from the London School of Economics and Political Science (LSE). See full bio
Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio
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