NFU Mutual Recensioni 

Had NFU for house insurance, and we had a split in the water tank in the loft. Call handlers were great and worked around our busy work schedule. Incredibly helpful when it came to dealing with the clam and work being done. To be honest, we wanted to stay with NFU, but they just got nowhere near the price of other major insurers - I said I was willing to pay more to stay with them, but £1680 v£850 for home insurance was a no brainer.

On 27th March I submitted details for a car insurance quote including my renewal from my current insurers.
I received a confirmation e-mail advising that I would receive a call from them but to date this never happened. I can’t only assume that they could not offer a competitive quote but didn’t have the courtesy to call me to discuss, This was the first time that I have contacted NFU but based on this experience I could not recommend them to anyone.

They took my car for repairing on the 7th December 2025 now 7th April 2026 they are refusing to answer my questions and think I am being unreasonable for thinking 4 months is not really acceptable. For my car being sat in there yard not running, 4 months tax, test and insurance all wasted. I have been contacted by people from the complaints department and they seem to be taking it seriously. But the repair place James Alpe just add day after day after day after day nothing seems to go right ar this place. I feel like I'm being taken for a fool. 12.05.2026 finally got my Car 5 MOUTHS 5 DAYS you had my car. When I collected it I was just handed the keys by the receptionist. I had a quick look at the wing it looked ok. I started the engine to leave and the tyre warning light was on saying check the air pressure so I had to then find a garage with an air pump. After I arrived home on opening door I noticed that on the inside door pannel there was white streaks all over it. There other are little things I could go on but it's not worth it. I am just glad my car is home I will be able to use it after so long not being able to. It went in with 3 little dents in one wing it was returned after being repaired with filler paint that took 5 MOUTHS and 5 DAYS if you think that is acceptable I'm sorry but I don't. I finely got my car back on the 12th May. Please MFU I hope that lessons are learnt from this and steps are taken to prevent kit happening to other people. Thank you Glenn

contacted NFU Mutual for a home and contents insurance estimate (joint policy).
Property details were completely
standard:
3-bed semi in Manchester
Both retired, 2 occupants
No claims history
No CCJs or convictions
Owned outright
Brick construction, slate roof
No flood risk
Despite this, the estimate came back at over £800 per year.
For context, comparable cover from other major insurers for the same details is typically in the £200–£300 range.
I understand NFU positions itself as a premium insurer, but this quote seems significantly out of line with the wider market for a very ordinary risk profile.
Disappointing experience
RE your response- good luck with your current pricing code, you'll need it.

Unlike other insurers I've dealt with, NFU are fantastic, streets ahead of the competition. Fair prices, prompt resolution, don't try to wriggle out of claims. And as a mutual organisation, premiums are changed based only on pay-outs and retaining a surplus, NOT to line the pockets of shareholders and overpaid fat cat directors.

All our vehicles and house insurance is with the NFU. It's reassuring to know that we can contact them and speak with a knowledgeable member of the team without any issues.

After more than 40 years with NFU Mutual, I can honestly say they’ve never let me down. Their team has always been kind, considerate, and genuinely courteous — qualities that seem increasingly rare these days. They take the time to listen and to find the best options to suit all my insurance needs, from pets and household cover to travel and car insurance.
What really sets NFU Mutual apart is their personal touch and attention to detail. They treat you like an individual, not just a policy number. It’s not unusual for them to ask how your pets are after a claim — a small gesture, but one that shows real understanding and care. I fully recommend NFU Mutual for anyone looking for reliable, friendly, and thoughtful service.

From the moment the loss adjuster came to my house I felt in very safe hands. I was looked after and everything was arranged for me from start to finish. I was given a contact number if I had any concerns which took all my worries away. I could not have had better service in my time of need. Thank you

Amazing customer service: so helpful and professional. Our claim was dealt with quickly and efficiently with no quibbling. Highly recommended.

terrible effort from insurers and solicitors to support and protect us from a non fault right off

NFU are the best company for anything you want to insure; They see to everything and always keep you updated with what is going on. Yes they are a bit more expensive than some others BUT they definitely earn it; I have been with them for nearly 30 years, I have all my insurances with them from our farm to our cars/dogs/ horses etc. I will never change from this company because they care.

Excellent stress-free service when I needed a calming, professional resolution.

Lovely, helpful staff that keep their promises and really know their products.
Throughout my claim for a hit-and-run accident I received exemplary service from all NFU staff concerned.
Would highly recommend.

We are loyal and strong supporters of the NFU.

We have to take a stand on their choice of ARAG for leagal advice, that is part of insurance.

NFU should look at the reviews on trustpilot and see the scale of public dissatisfaction with this company.

Action in our opinion is to remove this company at the earliest opportunity, ARAG Ltd is broken and toxic, and reflects badly on NFU which is Excellent on Trustpilot.

I was very impressed with the speed and efficiency of NFU in dealing with the claim. I was informed that two quotations were required and once they were supplied payment was quickly processed.

We unfortunately had an accident in our car a couple of weeks ago and can't rate NFU Mutual Oswestry branch enough. They supplied a hire car in less than 24hrs and sorted the picking up of car by a recovery firm very quickly. Sadly the car was a right off but the market value price of the vehicle was paid into my account in just over a week, no quibble.
I would recommend anyone using their insurance services.

Impossible to get a home insurance quote online for some reason, I was advised to call.
When I did call I was told they would do a quick basic quote with limited information to see if the price was ballpark.
I don’t make decisions based on price alone, I look for good reviews however the ball park price quoted was three times the most expensive online quote at £90 per month!
It felt like they didn’t want to take more detailed information about my home to get a more accurate price so I didn’t proceed.
Based on that experience I would not recommend NFU, if they are that disinterested in potential new customers, id be concerned if I ever needed to make a claim.

Every time I try and claim a legitimate insurance claim NFU always have a reason in the small print not to pay out.
National Grid have turned of the power for the whole of the Chew Valley between 8.30-16.30 forcing me to close, losing a whole day's trading and having to pay staff to stay at home, NFU reply was because it was booked no pay out.

12 months ago there was no power because of a fire on a pylon, I put a claim in to be told NFU pay out after 6 hours for without power interruption NFU contacted the power company for a time and it was 5 hours 55 minutes with no power NFU declined my claim because of 5 minutes, Unbelievable.

Another claim, the restaurant had the carpet cleaned by a tradesman who shrunk the carpet then found out he had no insurance, I put a claim in for a new carpet a losajuster paid a visit and decided on a restrech and relay first and paid for this. 6 months later had it cleaned again and the carpet became worse and a health and safety issue I asked for a new carpet this time to be told by NFU your not insured for the carpet I questioned this to be told the losajuster did the last claim as a favour because I was a local business near to where he lived!!!!
I don't know this losajuster and he never visited the restaurant, how doggy does that sound from NFU.

I ended up putting down wood flooring costing the business £25000.

I am now struggling with What am I actually insured for? Probably nothing in NFU policy. I am now going to source a better commercial insurance company and then pass my findings on to the hospitality sector.

Do not waste your hard earned money with this company it all Take Take Take

I tryed to get car insurance with this company. I was told I didn't meet there criteria I have been driving for 38 years. With no convictions. So I would like to know what meets your criteria.