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17 Sept 2026

MBNA home insurance review

Name: NFU Mutual home insurance review
Item: NFU Mutual Home Insurance
Rating: 81
Author: Dean Sobers

Its Plus policy scored very highly for contents cover

Dean SobersSenior researcher & writer

Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.

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This is a Which? exclusive, so you won't find our scores or expert analysis on other comparison sites.

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Dive into the detail with our expert reviews

We rated 177 elements of each policy, covering buildings, contents and admin points such as fees.
We asked 3,419 home insurance customers who made a claim within the past two years to score their insurer.

In this article

Does MBNA offer the best home insurance?
What does MBNA home insurance cover?
‘MBNA Plus was a top scorer for contents’
How good is MBNA at handling claims?
How can you save money on MBNA home insurance?
How does MBNA compare with other providers?
MBNA home insurance: How can you claim?
Should you buy MBNA home insurance?

We've reviewed two policies from MBNA – its Essentials cover and more comprehensive Plus policy.

Both can be bought directly online. They also appear on insurance comparison websites.

MBNA (once known as Maryland Bank National Association) has been based in Chester, England, since 1993. It's part of the Lloyds Banking Group, and policies are underwritten by Lloyds Bank General Insurance Limited.

Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.

Does MBNA offer the best home insurance?

MBNA

MBNA Plus scored very highly for contents cover – among the top 10 policies we analysed.

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Policies

Plus (buildings)74%
Plus (contents)77%
Essentials (buildings)70%
Essentials (contents)66%

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

What does MBNA home insurance cover?

We've reviewed two MBNA policies. Select a policy from our table to see what it offers and what we scored it.

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MBNA Plus

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Buildings - Alternative accommodation	£100,000
Buildings - Burst pipes	Included
Buildings - Escape of water excess	£50-£1000
Home emergency cover limit	£1,000
Home emergency - central heating/boiler repair	£1,000
Buildings - Groundwater flooding	Included
Subsidence excess	£1,000
Contents - Valuables unspecified single item limit	£1,500
Contents - Alternative accommodation	£30,000
Contents - Accidental damage	Full cover included
Contents - Guests' belongings	£1,000
Contents - Theft of contents in the open	£2,000
Contents - Damage to contents in the open	£2,000
Contents - Theft from outbuilding	£10,000
Contents - Damage to contents in an outbuilding	£10,000
Contents - Personal possessions cover single item limit	£1,500

Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.

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‘MBNA Plus was a top scorer for contents’

Dean Sobers, Which? home insurance expert, says:

MBNA’s Plus policy was in the top fifth of our table. Its buildings cover earned 74% while its contents score was 77% – just outside the top five policies rated.

However, we didn't make it a Best Buy because its underwriter (Lloyds Bank) had lower-than-average claims acceptance rates, according to the Financial Conduct Authority’s data.

It's one of only a quarter of policies that provide full accidental damage cover without you needing to add it on. It also offers one of the longer notice periods (14 days) if it cancels your policy during the term. Most other insurers are more abrupt, with the standard being seven days.

We did notice a comparatively high cancellation fee of £35 if you decide to leave before the renewal date. A third of policies don’t charge anything at all to switch mid-term.

And while it covers storms, MBNA's definition excludes rain by itself, which some other policies allow. Its terms require wind speeds of 55mph, extreme hail or snow.

33 days' renewal notice

The cheapest time to buy home insurance is about 26 days ahead of its start date according to data from comparison site GoCompare. It’s therefore helpful to have your current insurer’s renewal notices as early as possible.

The insurers in our survey provide their renewal notices 21-60 days in advance. MBNA’s comes 33 days before renewal. So, theoretically, if you shop around when you receive this, you’re likely to see better prices from other insurers.

Essentials

MBNA’s alternative to Plus is its cheaper Essentials policy. This was roughly halfway down our tables, with scores of 70% for buildings and 66% for contents. Each was just below the average score (71% for buildings and 67% for contents).

How good is MBNA at handling claims?

MBNA's underwriter, Lloyds Bank General Insurance Limited, accepted 45-50% of claims on buildings-only policies – below the industry average of 62%. Some 10-15% of claimants with this type of policy lodged a complaint, which was approximately average (13%).

Meanwhile, the underwriter accepted 60-65% of claims on contents-only policies – slightly below the average of 71%. Some 5-10% of claimants complained, which is in line with the 7% average.

With claims on combined policies, the underwriter accepted 60-65% of claims – below the 71% average. Some 10-15% of claimants complained, which is also in line with the 12% industry average.

How can you save money on MBNA home insurance?

Compare MBNA quotes from several price comparison sites to check whether it's a good deal. It appears on the following comparison websites:

Compare the Market
Confused.com
GoCompare
MoneySuperMarket.

You won't be offered a discount if you buy buildings and contents cover together.

Want to pay monthly? You'll be happy to hear that MBNA charges no monthly interest, so if you need to split the cost, you won't be increasing the overall premium.

Above information correct as of August 2026. For more ways to save money when buying insurance, see our guide.

Visit MBNA directly to find out more about its home insurance policy.

How does MBNA compare with other providers?

We didn't have enough feedback from claimants to calculate a customer score for MBNA. And, between its Plus and Essentials options, it didn't really have a standard policy as such. However, its Plus policy scored 74% for buildings cover – which would have put it in 4th place in our standard policies table – along with Silver policies from Lloyds, Halifax and Bank of Scotland, plus Nationwide's Enhanced policy, and others.

For contents cover, its Plus policy earned 77%. This was the same score as Aviva's Signature policy, which ranked 1st in our standard policy table.

MBNA home insurance: How can you claim?

You can make a claim online or call 0345 266 6679.

In an emergency, call 0345 641 9775.

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

Should you buy MBNA home insurance?

Maybe not. We liked what we saw with MBNA’s cover – but we can't overlook its underwriter’s claims acceptance rate.

How we rate home insurance

Policy analysis

We analyse and rate 177 aspects of cover across insurers' policies, including their key buildings and contents features, and elements applicable to both kinds of cover (such as admin fees). We use this data to award each provider policy scores for its buildings and contents cover.

Initially, we score all of the product elements out of five, reflecting how competitive each policy is in this area compared with other insurance products. We also assess how important different policy elements are to consumers when choosing and using their home insurance, and factor this in when calculating our policy scores. More important features (such as alternative accommodation cover) will have more of an effect on the score than some other features (such as cover for the contents of your freezer).

Customer survey

We also surveyed 3,419 members of the public who had made a claim in the past two years. The survey was conducted in May-June 2026.

Our customer score reflects the general satisfaction of customers with their current insurer and their likelihood of recommending it. The claims score reflects how satisfied they were with how their most recent claim was handled and their likelihood of recommending the insurer for claims.

We review a lot of policies – and being a Best Buy recognises the individual products that stood out as being the most comprehensive in our analysis. It doesn't reflect customer service. However, we won't give a provider a Best Buy where there's evidence – from our surveys or from Financial Conduct Authority data – of poor service or a poorer-than-average record of paying claims.

Buildings Best Buy policies must have a minimum buildings policy score of 73%
Contents Best Buy policies must have a contents score of at least 70%

Additionally, we look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated (find out more: how we rate policies).

Lastly, all Best Buy policies must have – or make available – the following levels of cover as a minimum:

Buildings

Flood, storm, subsidence and accidental damage cover; Cover for burst or blocked pipes; Trace and access cover (£5,000); Alternative accommodation (£50,000) with no time limit; Property owner liability (£1m); Replacement of locks or keys for external doors (£500); Home Emergency Cover (£500 and includes the central heating system).

Contents

Accidental damage cover; Theft and damage of contents in the open; Theft and damage of contents from outbuildings; Business equipment; Alternative accommodation (£15,000); Money in the home (£500); Valuables (unspecified single item limit – £2,000); Personal possessions (unspecified single item limit - £1,000); Replacement of locks or keys for external doors (£500).