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04 Apr 2024

NFU Mutual car insurance review

Read Which?'s expert review of NFU Mutual's car insurance. Find out how we rate its policy against 27 other providers

Dean SobersSenior researcher & writer

In this article

What does NFU Mutual car insurance offer?

NFU Mutual offers car insurance, home insurance and landlord insurance.

While the car insurance policy offered by NFU Mutual 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'.

Its policy is underwritten by NFU Mutual. It will insure drivers between 17 and 80 years old.

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.

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Does NFU Mutual offer the best car insurance?

Here's how NFU Mutual scored in our latest car insurance survey:

Which? Recommended Provider
81% customer score, placing it 1st out of 27 providers with a customer score
76% policy score on its standard policy – 2nd out of the 28 providers we reviewed, making it a Best Buy
84% claims score means it's 1st out of the 25 providers with a claims score

See how this compares with the best car insurance.

We review a lot of policies - and our 'Best Buy' badge 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 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.

Policies named as Best Buys must have a minimum policy score of 65%

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 provide - either as standard or as an option - the following levels of cover as a minimum:

'Comprehensive' cover (meaning it covers third party claims, fire, theft and accidental damage to your car), a temporary courtesy car if yours is under repair or if it has been stolen or written off, a repairs guarantee period of at least 3 years, cover for damage to your windows or windscreen, legal expenses cover, liability cover of £20m or more and personal accident cover.

We analyse and rate 78 key elements of car insurance policies to come up with the overall 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. We assess how important different policy elements are to drivers when choosing and using a car insurance, and weight different areas of cover accordingly to enhance/reduce their impact in the overall product score.

How good is NFU Mutual's car insurance policy?

NFU Mutual is a Which? Recommended Provider of car insurance, with its policy scoring 76%. This places it fourth out of the 61 policies we analysed this year – and makes it one of our 10 Best Buys.

Its policy is the only one we've rated that doesn't charge interest or fees for paying monthly. Motor legal protection is included as standard. Its misfuelling cover - which you can claim on if you've poured the wrong type of fuel into the tank - will pay for costs of draining the fuel and engine damage. Many policies will only pay for one or the other.

Unfortunately, NFU Mutual's policy doesn't cover lost keys and its courtesy car period is only 14 days if your car is damaged beyond repair or stolen. Some policies will provide a temporary replacement for up to a month.

Breakdown cover part of the package

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

See how RAC rated in our report on the top breakdown cover providers.

NFU Mutual: key cover areas rated


Fire excess	£100
Theft excess	£100
Accidental damage excess	£100
Windscreen replacement excess	£95
Is the policy holder's NCD affected if car is hit while parked	Yes - but can be reinstated
Windscreen damage - limit per claim	Unlimited
Window damage - limit per claim	Unlimited

Tables last updated February 2024. Next update January 2025. We recommend checking policies before buying.

How did customers rate NFU Mutual's car insurance?

We asked NFU Mutual customers who've recently made a claim how they felt about their car insurance.

NFU Mutual's car insurance scored earned an impressive 81% customer score – the highest out of the 27 providers rated.

Customers were also asked to rate their most recent claim. NFU Mutual received a score of 84%, placing it first out of 25 companies we scored.

Here's how customers rated NFU Mutual in various areas of service:

Select a table:

Customer satisfaction


Application Process	-
Clarity of Policy
Dealing with queries
Ease of managing your policy online	-
Fair treatment of longstanding customers	-
Dealing with complaints	-
Value for money

Table last updated in February 2024. Next update in January 2025. A dash '-' means we had an insufficient sample size (fewer than 30 responses) to generate a star rating.

How can you save money on NFU Mutual car insurance?

Saving money when taking out a premium with NFU Mutual will require some work as it's not on comparison websites.

Nor does it offer any of the following types of discount: multi-car discount, joint car and home discount, dash-cam or membership discounts.

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 it to haggle the premium down.

Above information correct as of December 2023.

NFU Mutual: how can you claim?

If you need to make a claim with NFU Mutual car insurance, call 0808 256 4978 or visit one of its agency offices.

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

NFU Mutual FAQs

What dos 'NFU Mutual' stand for?

The full name of the organisation is National Farmers Union Mutual Insurance Society Limited.

Is NFU Mutual on comparison sites?

You won't find NFU Mutual on price comparison websites. If you want a car insurance quote from it, you will have to go directly to its website.

Who underwrites NFU Mutual Insurance?

The National Farmers Union Mutual Insurance Society Limited underwrites NFU Mutual's car insurance policies.

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NFU Mutual car insurance review