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NFU Mutual car insurance review

Read Which?'s expert review of NFU Mutual's car insurance. Find out how we rate NFU Mutual's car insurance policy against 30 other providers.

In this article
NFU Mutual car insurance overview NFU Mutual’s car insurance policy: is it good or bad?
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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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Car Insurance
NFU Mutual review
Overall Which? score
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score.
Which? customer score
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Policy score
Which?'s rating of the quality of this company's car insurance policy. We analysed 58 features of its cover to calculate the policy score.
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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 January 2019. Next updated in January 2020.

Policy element Rating Details
Interest charged on payment by instalments (APR)

5 out of 5

No fault no claims discount (NCD) benefit?

5 out of 5

Uninsured driver NCD benefit?

5 out of 5

Renewal fee Logged out stars No fee
NCD protection claims (number per year) Logged out stars 2 claims in 5 years
Theft of keys limit Logged out stars No limit
Fire excess (standard compulsory) Logged out stars £0
Theft excess (standard compulsory) Logged out stars £100
Accidental damage excess (standard compulsory) Logged out stars £0


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