NFU Mutual car insurance review

NFU Mutual offers car insurance, home insurance and pet insurance, as well as landlord and farming insurance.

While its car insurance policy is available to the general public, it doesn't cover all risk profiles and postcodes (particularly in major cities).

NFU Mutual says it prioritises the personal touch; it doesn't sell policies online, but you can buy over the phone or visit one of its 280 local branches, known as 'agencies'.

We've reviewed NFU Mutual's standard car insurance policy. We didn't receive feedback from enough customers to rate its levels of service.

It underwrites its own policies and will insure drivers between 17 and 80 years old.

Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

Does NFU Mutual offer the best car insurance?

See how this compares with the best car insurance, or read more about how we rate car insurance.

What does NFU Mutual car insurance cover?

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This insurer isn't available on Confused.com, but you can get quotes from other insurers and compare the cheapest with our reviews.

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'One of the best policies in our analysis'

Dean Sobers, Which? car insurance expert, says:

With a policy score of 73%, NFU Mutual's car insurance was in the top five of 66 policies we rated and is a Best Buy.

Unlike three quarters of other policies, it includes motor legal protection as standard. You can claim on motor legal protection to pursue third parties for costs they're liable for but which aren't covered under the main insurance, such as excesses. 

Additionally, NFU Mutual's misfuelling cover – which you can claim on if you've put the wrong type of fuel into the tank – pays for the cost of both draining fuel from the tank and repairing any damage to the engine. Misfuelling cover on most other policies will pay for only one or the other.

No policy does everything. NFU Mutual will lend you a car for up to 14 days while you replace your own, if it was damaged beyond repair. Some policies lay on cover for up to a month.

You'll also lose no-claims discount if your car is vandalised or damaged while parked and the person responsible can't be found.

Breakdown cover part of the package

NFU Mutual's car insurance includes Mutual Assist breakdown cover, provided by the RAC, as standard.

How good is NFU Mutual at handling claims?

NFU Mutual, which does its own underwriting, accepted 95-100% of car insurance claims in 2024. This was around the average (98.8%) for the market.

Of customers who claimed, 5-10% made a complaint, which is also about average (6.9%).

How can you save money on NFU Mutual car insurance?

This will require some work, as NFU Mutual isn't on comparison websites. You can buy a policy over the phone or by visiting one of its 280 local branches, known as 'agencies'.

NFU Mutual doesn't offer a multi-car discount or any savings if you buy car and home insurance together.

You're best off using comparison sites to find quotes from other car insurers before getting in touch with NFU Mutual. 

You could then mention what you've been quoted and use this to try to haggle the premium down.

The above information is correct as of December 2025.

How does NFU Mutual compare with other providers?

With a policy score of 73%, NFU Mutual's car insurance cover is one of the best we rated. It's beaten only by Saga's Plus and Select policies, which scored 77% and 75% respectively.

NFU Mutual: how can I claim?

If you need to make a claim with NFU Mutual car insurance, call 0808 304 9377 or visit one of its agency offices.

• Find out more: is it worth claiming on your car insurance?

Should you buy NFU Mutual car insurance?

Yes, if the price is right. NFU Mutual provides one of the best policies in our analysis.

How we rate car insurance

Find out how NFU Mutual rates for other products

• NFU Mutual home insurance review
• NFU Mutual pet insurance review