NFU Mutual car insurance overview
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.
What you need to know about NFU Mutual's car insurance:
- No set-up, adjustment or cancellation fees
- Unlimited cover on windscreens, windows and sunroofs
- Unlimited cover for audio equipment, sat nav and child car seats
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NFU Mutual’s car insurance policy: is it good or bad?
We analyse and rate the 58 most important 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 on the overall product score.
Table last updated in July 2018. Next updated in January 2019.
| Policy element | Details | Rating |
|---|---|---|
| Interest charged on payment by instalments (APR) |  | |
| No fault no claims discount (NCD) benefit? | | |
| Uninsured driver NCD benefit? | | |
| Renewal fee | | |
| NCD protection claims (number per year) | | |
| Theft of keys limit | | |
| Fire excess (standard compulsory) | | |
| Theft excess (standard compulsory) | | |
| Accidental damage excess (standard compulsory) | | |
