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NFU Mutual home insurance review
Read Which?'s expert review of NFU Mutual's home insurance. Find out how we rate its home insurance policy against 32 other providers
NFU Mutual is a mutual society that dates back to 1910 when seven local farmers established the Midlands Farmers Mutual Insurance Society Ltd.
You can also purchase NFU Mutual car insurance review. Unfortunately, NFU Mutual doesn't cover all risks and postcodes – particularly those in major cities.
NFU Mutual offers one home insurance policy, named Home & Lifestyle.
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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.
Please note that the information in this article is for information purposes only and does not 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 home insurance?
We've rated dozens of insurers on their policies and, where possible, customer service. Members can log in to read our full reviews.
If you're not already a member, join Which? and get full access to these results and all our reviews.
We analyse and rate 26 aspects of buildings cover, 41 areas of contents cover, and 25 features applicable to both (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).
We review a lot of policies - and our 'Best Buy' badge recognises the individual products that stoof 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 badge where there's evidence - either 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 75%. Contents Best Buy policies must have a contents score at least 68%.
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.
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).
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.
How good is NFU Mutual's home insurance policy?
Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.
How did customers rate NFU Mutual's home insurance?
We've talked to customers, who had recently made a claim, to rate insurers for their customer and claims service.
Members can log in to see these scores. If you're not already a member, join Which? and get full access to these results and all our reviews.
How can you save money on NFU Mutual's home insurance?
It's not as easy comparing NFU Mutual's prices with those of other insurers, as it doesn't appear on comparison sites, and you can only obtain its quotes over the phone.
It's still worth checking out what the competition offers through these other channels, though. Whether you're renewing or considering switching to NFU Mutual, you'll potentially be able to use this information to haggle the premium down.
NFU Mutual charges no monthly interest, so if you need to split the cost you won't be increasing the overall premium.
NFU Mutual will offer a discount if you buy your buildings and contents cover together. It also gives you a discounted price if you've installed certain types of alarm or security systems.
Check you're getting a great deal and search for a new home insurance policy using the service provided by Confused.com. Get a quote now
How can you claim?
If you need to make a claim and have bought your insurance directly, you can call NFU on 0808 256 7199. If you purchased your policy through a local agency office, you should contact that office.
When you call, you'll be asked for details about what happened and when, 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.
Home insurance is 'personally priced', which means the insurer sets you an individual price depending on how risky it assesses you to be and how keen it is to attract or keep your business. These will determine whether it'll be cheap or expensive for you, compared to other insurers. That said, its relatively high levels of cover mean it may be pricier than some less comprehensive policies.
Who owns NFU Mutual?
NFU Mutual is the trading name of The National Farmers Union Mutual Insurance Society Limited. As a mutual, it has no shareholders and is owned by its policyholders.
Where is NFU Mutual's head office?
NFU Mutual's head office is in Stratford-upon-Avon.
Find out how NFU Mutual is rated for other products