While the car insurance policy offered by the NFU Mutual Insurance Society is available to the general public, it doesn't cover all risks and postcodes (particularly in major cities).
The insurer prioritises the personal touch: it doesn't sell policies online, but you can buy over the phone or visit one of its 300 local branches.
Its policy is underwritten by NFU Mutual it will insurers drivers between 17 and 80 years of age.
- Read our reviews of all the insurers who took part in our car insurance analysis
What does NFU Mutual car insurance cover?
The information below gives an at-glance view of the key areas that NFU Mutual's car insurance covers as standard.
Elements marked with a ✓ are covered as standard, those marked with a ✘ are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Courtesy car
Provides the policyholder with a car to use while repairs are carried out on their vehicle as part of a claim
✓ Personal accident
Covers the policyholder and passengers if they are injured in an accident
✓ Stolen keys cover
Covers the cost of replacing keys and locks in the event that your car keys are stolen
✓ Motor legal protection
Covers legal expenses for legal action you may take as the result of an accident
£ NCD protection
Allows the policyholder to make a specified number of claims over a period without affecting their no claims discount
✘ Lost keys cover
Covers the cost of replacing keys and locks in the event that your car keys are lost
Does NFU Mutual offer the best car insurance?
Here's how NFU Mutual scored in our latest car insurance survey:
To help you find the best car insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse car insurance
We analyse and rate 73 key elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly when calculating our total policy score.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance / reduce their impact in the overall product score.
NFU Mutual’s car insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
In detail: every part of NFU Mutual's car insurance rated
Table last updated in March 2020. Next update in January 2021.
To see how NFU Mutual's car insurance compares to other policies check out our guide on the best and worst car insurance.
How did customers rate NFU Mutual's car insurance?
As well as looking at how NFU Mutual's car insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.
Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.
How NFU Mutual's car insurance scored for seven elements of customer satisfaction.
Table last updated in March 2020. Next update in January 2021
"-' represents where we have insufficient sample size (less than 30) to generate a star rating
How can you save money on NFU Mutual car insurance?
NFU Mutual's car insurance policy is not available on price comparison websites.
✘ Multi car discount
✘ Dash cam discount
✘ Membership discount
✘ Joint car and home insurance discount
Above information correct as of December 2019
What is NFU Mutual's car insurance claims number?
If you need to make a claim with NFU Mutual car insurance call 0800 282 652.
- Find out more: is it worth claiming on your car insurance?
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