We use cookies to allow us and selected partners to improve your experience and our advertising. By continuing to browse you consent to our use of cookies. You can understand more and change your cookies preferences here.

NFU Mutual home insurance review

Read Which?'s expert review of NFU Mutual's home insurance policies, find out how we rate NFU Mutual's contents and buildings insurance and how it compares to dozens of other home insurance companies.

In this article
NFU Mutual home insurance overview What does NFU Mutual cover? How Which? rates NFU Mutual Home insurance NFU Mutual’s home insurance policy: is it good or bad? How did customers rate NFU Mutual's home insurance?
Does NFU Mutual offer different levels of home insurance cover? How much does home insurance cost? What is NFU Mutual's claims number? Who underwrites NFU Mutual's home insurance? Get top money-saving tips from Which?

NFU Mutual home insurance overview

NFU Mutual is a mutual society which dates back to 1910 when seven local farmers established the Midlands Farmers Mutual Insurance Society Ltd. 

A mutual society (or mutual) is owned and democratically elected by its members and usually, aim to benefit members or the community. There are more than 10,000 mutuals in the UK including buildings societies and credit unions.

NFU Mutual offers a range of products including home insurance, car insuranceIsas and Sipps. When it comes to insurance, however,  NFU Mutual doesn't cover all risks and postcodes - particularly those in major cities.

What does NFU Mutual cover?

The information below gives an at-glance view of the key things that NFU Mutual's home insurance covers as standard.

Elements marked with a are covered as standard and those marked with a are not covered as standard. However, these can be added to a policy as optional extras for an additional cost.

 

 Burst pipes

 

Covers the cost of repairing burst pipes in your property.

 

 24 hour (emergency) helpline

 

Allows you to call a 24-hour helpline for assistance in the case of a home emergency.

 

 Legal expenses

 

Legal expenses cover the cost of legal expenses should you need to pursue legal action against another party.

 

 Loss and theft of keys

 

Loss and theft of keys will cover the cost of replacing your keys if they are ever lost or stolen.

 

 Garden cover

 

Garden cover protects against damage to items in your garden including plants and garden furniture.

 

 Home emergency

 

Home emergency cover provides assistance of central heating, electrical emergencies, plumbing or draining issues.

 

 Accidental damage

 

Accidental damage protects against sudden and unconventional physical damage to the structure of your property as well as your furniture and belongings.

 

 Personal possessions

 

Personal possessions cover protects your portable belongings while you’re outside of your property.

How Which? rates NFU Mutual Home insurance

To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

We survey thousands of real home insurance customers to find out how they rate their insurer for customer satisfaction.

We also analyse and rate 60 different elements of contents and buildings insurance to create policy scores, helping you judge the quality of your cover - and how an insurer compares to its peers.

We combine this into an overall score to highlight the insurers that offer great cover and service

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Home And Mobile 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 25% each of Buildings and Contents policy scores.
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.
Buildings policy score
%
Which?'s rating of the quality this company's buildings insurance policy. We analysed 32 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality this company's contents insurance policy. We analysed 46 features of its cover to calculate the policy score.
Members can read full review. Not a member yet?
£1 for first month then £12.75/month unless cancelled.
Become a member to see more scores
  • Unlock more money saving tips.
  • Get access to new money reviews
  • See the best mortgages available to you
£1 for first month then £12.75/month unless cancelled

NFU Mutual’s home insurance policy: is it good or bad?

In February 2019, we analysed and rated 60 of the most important elements of standard home insurance policies to come up with the overall policy score.

We assess how important each individual element is when choosing and using a home insurance policy, and weight it accordingly when calculating our total policy score. Each element is given a star rating, out of five.

Overall, 57 out of the 60 elements policy elements we analysed in NFU Mutual's home insurance earned a 3-star rating or higher.

A massive 34 of NFU Mutual's policy elements were given a full 5-star rating, while only 16 received a 3-star rating, which indicates an above average level of cover.  

Best parts of NFU Mutual’s home insurance policy

We’ve identified three standout features in NFU Mutual's home insurance: 

  • No fees, which scored 5 out of 5 stars
  • Up to £2,500 cover for money away from your home, which we gave 5 stars
  • Legal expenses cover included as standard, which earned a full 5 stars

Worst parts of NFU Mutual’s home insurance policy

We've identified three features in NFU Mutual's home insurance policy which scored poorly:

  • Not all postcodes are covered
  • NFU Mutual won't pay a switching fee, which we gave 0 stars
  • Storm damage to fences, gates and hedges is not covered, which scored 0 stars

In detail: every part of NFU Mutual’s home insurance rated

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Table last updated in February 2019. Next updated in February 2020.

Policy elements Details Rating Area covered
Interest charged on payment by installments (APR) Logged out detail Logged out padlock Buildings and contents
Renewal fee (£) Logged out detail Logged out padlock Buildings and contents
Home emergency cover - standard, optional, not covered? Logged out detail Logged out padlock Buildings and contents
Home emergency cover (£) Logged out detail Logged out padlock Buildings and contents
Owner's / Occupier's liability (£) Logged out detail Logged out padlock Buildings and contents
Accidental damage cover - standard, optional, not covered? Logged out detail Logged out padlock Buildings and contents
Subsidence - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Alternative accommodation (£) Logged out detail Logged out padlock Buildings only
Burst pipes - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Blockage of sewer pipe - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Single item limit for valuables - max limit (£) Logged out detail Logged out padlock Contents only
Contents in the open - within home boundary i.e. garden (£) Logged out detail Logged out padlock Contents only
Contents in outbuildings - including garages (£) Logged out detail Logged out padlock Contents only
Theft from outbuildings (£) Logged out detail Logged out padlock Contents only
Personal Possessions - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Personal Possessions limit within a car (£) Logged out detail Logged out padlock Contents only
Bicycles - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Mobile phones (away from home) - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Does mobile phone cover include calls? Logged out detail Logged out padlock Contents only

To see how NFU Mutual's home insurance compares to other policies check out our guide on the best and worst home insurance.

How did customers rate NFU Mutual's home insurance?

As well as looking at how NFU's home insurance policy stacks up against others, we've also analysed how customers feel about it too.

Which?'s rating for customer satisfaction is 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.

Overall, NFU Mutual's home insurance scored 81% for customer satisfaction, giving it the top spot of the 34 home insurers we looked at.

Customers scored NFU Mutual's 'clarity of policy' the highest, giving it a full five stars.  NFU Mutual's charges 'ease of managing your claim' was scored the lowest and only received three stars. 

The table below shows how NFU Mutual's home insurance scored for eight elements of customer satisfaction.

Customer satisfaction element Which? Customer rating
Application process Logged out padlock
Clarity of policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Transparency of charges/penalties Logged out padlock
Dealing with complaints Logged out padlock
Experience of making a claim Logged out padlock
Value for money Logged out padlock

Does NFU Mutual offer different levels of home insurance cover?

The scores shown in this review relate to NFU Mutual's standard home insurance policy.

It is possible to increase your level of cover by adding optional extras to your policy, for example, you might want to add home emergency cover or personal belongings insurance. 

Choosing to add these features on to your policy will come at an added cost, making your policy more expensive than a standard one.

How much does home insurance cost?

Your contents insurance and buildings insurance will be priced based on your own personal circumstances, where you live and the type of property and contents you own.

NFU Mutual is only available direct and you can gather quotes on its own website at www.nfumutual.co.uk.

Check out our guide for more information on how add-ons, fees, and charges affect the price of your home insurance.

What is NFU Mutual's claims number?

If you need to make a claim with NFU Mutual home insurance call 0800 197 0963.

When you call you'll be asked for details about what happened and when it happened as well as any action you've taken so far.

NFU Mutual will also ask what you're claiming for and the approximate cost involved.

The acid test of any home insurance provider is how it handles your claim. In January 2019, Which? surveyed 1,456 members of the general public about their experiences using a major home insurance provider.

NFU Mutual scored 92%, placing it 1st out of 21 home insurers. It scored five stars for 'customer service', and 'settlement value'. Customers gave 'how they communicate on claim progress' and 'speed of dealing with a claim' four stars out of five. 

Find out how it compared to other insurers in our guide making a home insurance claim.

Who underwrites NFU Mutual's home insurance?

NFU Mutual underwrites its own home insurance policy. 

Get top money-saving tips from Which?

Sign up to the Which? Money Weekly newsletter to get our latest news, tips and deals straight to your inbox. 

 

×