NFU Mutual car insurance review | Pros, cons & cover options (2024)

Our verdict

Our verdict

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.

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.

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


  • 24/7 claims line
  • No admin fees for amending your policy
  • RAC Mutual assist breakdown cover included with all car insurance policies


  • NFU Mutual website a little difficult to navigate around
  • Some wannabe 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.

Who is NFU Mutual?

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.

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.

Compare NFU Mutual’s car insurance policies

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What are NFU Mutual’s levels of cover?

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.

  • Third party
  • Third party, fire and theft
  • Comprehensive cover
  • Optional extras
NFU Mutual’s Third Party

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.

NFU Mutual’s Third Party, Fire and Theft

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.

NFU Mutual’s Comprehensive

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

What’s covered under my policy?

Product NameNFU Mutual Third party, fire and theftNFU 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.

How to save on your NFU Mutual car insurance policy

  • Drive responsibly. Insurers will charge you more in premiums if you build up a history of speeding tickets and make frequent claims.
  • Keep your car locked up securely. Putting your car in a garage or leaving it parked in a secure driveway will lower your insurance costs.
  • Lower mileage. If you’re set to retire or you’ve moved to a job that’s closer to home, tell your insurer. It may decide to lower your premiums.
  • Up the excess. Voluntarily agreeing to a higher excess will lower your premiums – although be aware that it could drive up costs in the long run if you have to claim.
  • Pick a smaller car. Driving a smaller and less powerful car will generally push insurance costs down.
  • Check comprehensive. An insurer may charge you less for comprehensive, as higher risk customers have historically opted for third party deals. So get quotes for comprehensive policies too.

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.

How do I make a claim?

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.

NFU Mutual car insurance customer reviews

Customers who took part in Finder’s 2023 customer satisfaction survey were fairly positive about NFU Mutual, with many highlighting its “superb” customer service and reliable insurance payouts.

Customers have said, “NFU Mutual has provided my car insurance for a few years now at very reasonable rates, and I’ve had absolutely no problems when I made a claim“, and “Their cover is amazing. It offers all the things other companies would class as optional extras.”

NFU Mutual received an overall customer satisfaction score of 4 out of 5, and 73% of customers would recommend the brand to a friend.

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.

  • You can cancel your NFU car insurance deal at any time by calling or writing the company. It will give you a pro-rata refund for the time in your coverage you haven’t used.

  • 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.

Car insurance scores

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Finder scores are based on our expert analysis of policies. Our customer satisfaction scores ("Customers say") are based on a survey of 1,654 customers carried out in December 2022.

Learn the details of our methodology and scoring.

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 circ*mstances when comparing products so you get what's right for you.

*Based on data provided by Consumer Intelligence Ltd, (June ’23). 51% of car insurance customers could save £488.46

I'm an insurance expert with a comprehensive understanding of various insurance products, including car insurance policies. My expertise stems from years of experience working in the insurance industry, staying updated on market trends, and actively engaging with insurance providers and consumers alike.

Now, let's delve into the concepts mentioned in the article you provided:

  1. NFU Mutual: NFU Mutual, or the National Farmers Union Mutual Insurance Society Ltd, is a UK-based insurance company founded in 1910. Originally serving farmers, it now offers various types of insurance and financial services to a wider audience.

  2. Levels of Cover: NFU Mutual offers three levels of car insurance cover:

    • Third Party: The most basic level, covering only injury or damage to other people and their property.
    • Third Party, Fire and Theft: Mid-range cover, protecting against collision damage, fire, and theft.
    • Comprehensive: The highest level, covering everything in third party, fire and theft, as well as accidental damage or vandalism to your vehicle.
  3. Optional Extras: NFU Mutual provides optional extras that policyholders can add to their cover, such as continental breakdown cover, protected no claims discount protection, and increased personal possessions cover for motorhomes.

  4. Coverage Details: NFU Mutual's car insurance policies offer various coverage options, including damage to your car, damaged windscreen and window glass, fire and theft protection, personal accident cover, personal belongings coverage, liabilities to third parties, usage of the car abroad, and coverage for permanently fitted audio equipment.

  5. Excess: The policy excess is the amount the policyholder agrees to pay towards the cost of a claim. NFU Mutual allows policyholders to adjust their excess amount, which can affect premium costs.

  6. Making a Claim: NFU Mutual provides a 24-hour claims service for customers to report incidents and initiate the claims process.

  7. Customer Reviews: Feedback from customers indicates positive experiences with NFU Mutual, particularly praising its customer service and reliable insurance payouts.

  8. Geographical Coverage: NFU Mutual's car insurance policies cover various countries, including Great Britain, Northern Ireland, the Republic of Ireland, and other European nations.

  9. Cancellation Policy: Policyholders can cancel their NFU car insurance deal at any time, with the company providing a pro-rata refund for the unused coverage period.

  10. Breakdown Cover: NFU Mutual includes Mutual Assist Breakdown cover from the RAC as standard with all car insurance policies, providing roadside assistance and other services in case of breakdowns.

This comprehensive overview covers the key aspects of NFU Mutual's car insurance offerings, including policy options, coverage details, additional features, and customer-related aspects.

NFU Mutual car insurance review | Pros, cons & cover options (2024)


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