NFU Mutual Reviews 

6,749
TrustScore 4 out of 5

4.0

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Review summary

Created with AI, based on recent reviews

Looking at 460 reviews, reviewers had a great experience with this company. Customers frequently praise the helpful, polite, and knowledgeable staff members for providing professional, friendly support and making daily interactions genuinely pleasant. People also mention that insurance claims are handled efficiently and quickly, ensuring that stressful situations are navigated successfully. However, some people mentioned that high policy renewal prices and initial quotes are frequently much higher than other competing providers on the market. A few other people also felt that overall customer care could improve, mentioning occasional slow communication or strict eligibility rules when requesting quotes.

What people talk about most

Service

Customers had positive experiences with service, often highlighting prompt, friendly, and efficient support... See more

Claim

Reviewers mention ambiguous feedback about claim, reflecting a sharp division in customer experiences. While... See more

Staff

Users describe positive interactions with staff, highlighting their professional, friendly, and helpful... See more

Customer service

Customers consistently note ambiguous experiences with customer_service. Reviewers frequently highlight... See more

Price

Reviewers highlight ambiguous aspects of price, as customer experiences vary widely. Many consumers report... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Had NFU for house insurance, and we had a split in the water tank in the loft. Call handlers were great and worked around our busy work schedule. Incredibly helpful when it came to dealing with the cl... See more

Rated 5 out of 5 stars

Contacted Alistair who got back to me straight away . This was our second policy with the NFU mutual . He is great to deal with again , understanding our needs and responding in a very professi... See more

Rated 5 out of 5 stars

NFU responded immediately when we contacted them to claim. They appointed a specialist to ensure that our property dried out properly. They appointed a loss adjuster to deal with the details and the... See more

Rated 5 out of 5 stars

Regrettably, I've had to make two claims on my NFU house insurance policy for water leaks and associated damage. In both cases there was a feeling that NFU were moving swiftly and efficiently to s... See more


Company details

  1. Insurance Agency

Written by the company

For more than a century,  we have provided quality insurance to customers, their families, and their businesses, as well as supporting the communities they live and work in.


Contact info

4.0

Great

TrustScore 4 out of 5

7K reviews

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4.0

All reviews

(6,749)

448 reviews in the last 12 months

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Rated 1 out of 5 stars

Absolute rubbish

Absolute rubbish. They shreds to insure him once my son passed his driving test which he did first time and then they refused

August 10, 2026
Unprompted review
NFU Mutual logo

Reply from NFU Mutual

Good morning

Thank you for taking the time to leave a review, I was sorry to read about the issue you've experienced. We appreciate any feedback on how we can work to improve the experiences of our customers and would welcome the opportunity to look into this further.

Unfortunately, there isn’t enough information in this review for me to identify your policy for us to look into this directly. Please could you email us at reviews@nfumutual.co.uk with your full name, address and contact details, along with your policy number. I shall then pass the information to the relevant team to investigate further.

Kind regards

Sophia

Rated 1 out of 5 stars

AVON / NFU INSURANCE DISRESPECT.

I Simply asked that In light of
the concerns raised, I respectfully implore that Avon
Insurance and NFU reconsider my claim in full,
reviewing the matter afresh with all relevant
evidence, including my consultant's report."
I will Certainly try to be constructive and Fair but One of my most serious
concerns is that Avon Insurance / NFU reached its
decision in realation to my Accident surgery claim before waiting for my consultant
orthopaedic surgeon's report and I find that
fundamentally unfair. The consultant's report
was the most authoritative medical evidence
regarding my condition, cause, and prognosis.
By deciding before considering that evidence,
Avon / NFU did not conduct a full, balanced
assessment. It is difficult to understand how
rejecting a claim without all specialist evidence
is fair. I expected any insurer to review such
reports carefully, but instead I felt the decision
was already made. That undermined my
confidence in the process, especially as Avon / Nfu
had previously accepted two claims involving
the same underlying arthritic condition. I am not
asking for special treatment, only that all
relevant medical evidence be properly
considered before a final decision. I hope both
Avon and NFU reflect carefully on how such
decisions are made in future.
Apart from that they have shown me utter Disrespect and contempt in ignoring all contact from me since I submitted my Consultant Orthopaedic Surgeons report, or am I mistaken and they are still reconsidering this new and imperitively important information.
Will I ever know. ?
I humbly asked them If you cannot uphold the claim in full,
please consider whether a fair settlement can be
reached. I look forward to your considered
response.
Still No Response since Early July.

Sincerely

Charles Cachia.

July 10, 2026
Unprompted review
NFU Mutual logo

Reply from NFU Mutual

Good afternoon

Thank you for taking the time to leave a review, and I’m sorry to read that you’re unhappy with the handling of your claim.

We can confirm that the comments from your consultant have been reviewed in relation to your claim, and the outcome of this review was sent to you in writing on 17th July. If you haven’t received a copy of this, please reach out to Avon’s claims team who will be able to send it to you again.

Kind regards

Sophia

Rated 5 out of 5 stars

NFU Mutual are not cheap but they are excellent

NFU Mutual are not the cheapest insurer as they themselves admit, but they are a pleasure to deal with and really do get things sorted. For the service they provide, I think they are unmatched. Their call centre staff deserve a particular hooyar - a genuine pleasure to deal with, they are always responsive, bright, friendly, patient, and human. I've always been able to get through without having to wait, which may be good luck or another excellent feature.

March 30, 2026
Unprompted review
Rated 1 out of 5 stars

Friendly until you try and claim

After appointing their Loss Adjuster, the local NFUM Agency team all but disappeared and provided little help or support with our claim, which became a massively stressful and arduous process. The way the claim was “handled” made the awful experience of losing our belongings, and having our home ruined, so much worse. So much for personal local service! We seemed to have to battle with the Loss Adjuster on every step of the claim process, with obstacles and unreasonable demands being put in our way throughout. The cleaning company appointed by the loss adjusters also did a very poor job, leaving our home dirty and damp. Ignore NFUM’s happy adverts and avoid them.

May 1, 2026
Unprompted review
NFU Mutual logo

Reply from NFU Mutual

Good afternoon, and thank you for taking the time to leave a review.

I'm sorry to hear about your experience and that you felt let down during the claims process. This is not the level of service we aim to provide, and we’d like the opportunity to look into your concerns in more detail.

Unfortunately, there isn’t enough information in this review for me to identify your claim - please could you email us at reviews@nfumutual.co.uk with your full name, address and contact details, along with your claim reference number and any additional information you’d like to share about what happened. I shall then pass the information to the relevant team to investigate.

Kind regards

Sophia

Rated 1 out of 5 stars

Unjustified policy increase and poor communication

A customer of over 10 years with the NFU with no claims ever and a renewal price on our policy that has increased once again (to a price more than double of other reputable providers overall), we have decided to leave the NFU. This has been made easier by the fact I remain unable to contact any of my local branches despite multiple calls, for days, with no promised call back initially. Never have experienced such poor customer service from them before. NFU Mutual Direct head office remained helpful and efficient when I came off hold.

July 31, 2026
Unprompted review
NFU Mutual logo

Reply from NFU Mutual

Good morning, and thank you for taking the time to leave a review. I’m sorry to hear you were disappointed with your renewal price and that you had difficulty getting through to your local branches.

I appreciate that any increase in price is frustrating, especially as a long-standing customer. There are a number of factors that can affect renewal premiums, and these can differ between insurers depending on how they assess risk, the level of cover provided and the information used when calculating a quote. We also have to consider wider cost pressures, including inflation and rising labour and material costs.

I appreciate that we’re not the cheapest insurance company in the market, however, we offer a fair premium based on our risk appetite and criteria.

I was disappointed to read about the problems you had trying to contact your local branches, and we'd be happy to follow this up with them. Your review doesn't provide any personal details, so if you'd like us to look into this further, please email us at reviews@nfumutual.co.uk with your full name, address, contact details and policy number.

Kind regards

Sophia

Rated 5 out of 5 stars

What a fantastic company

What a fantastic company. In times of need they have you covered. I had water damage to a house and from beginning to end of the claim it was handled with professionalism and care. I felt I was in safe hands. All the people I dealt with within the company where good. Nigel was the gentleman who assessed the damage and dealt predominantly with my claim and he was a pleasure to deal with. Totally recommend NFU.

January 1, 2026
Unprompted review
Rated 1 out of 5 stars

Time waste trap

Strange company! Taken all my personal details only tell me in the end that they don’t cover my profession as a pawnbroker. Absolute waste of time. This should be mentioned in the requirements section such as you have to be 18+ and live in the UK. Glad they are not my insurer too brain dead of a company to even mention criteria of insurance. Before you answer back with “we can’t list all the professions we don’t cover “ at least list the professions you do cover. 👍

July 25, 2026
Unprompted review
NFU Mutual logo

Reply from NFU Mutual

Good morning

Thank you for taking the time to share your feedback. I’m sorry to hear that you felt your time was wasted, and I can understand how frustrating it must have been to provide your details before finding out we couldn’t offer cover for your profession.

We appreciate you raising this, as clear information at the right point in the journey is important. While we’re not always able to list every profession that may or may not be covered, your suggestion about making eligibility clearer is helpful and has been noted.

Thank you again for your feedback.

Kind regards

Sophia

Rated 2 out of 5 stars

No one calls back as promised

I have had insurance with NFU for many years. I received a letter saying that they wish to review my cover but 3 calls to the local (Marlow) office during a 5 day period resulted in NO ONE calling back as promised. When I tried again, I was told that the Marlow office had their phones off?!!! We were considering getting house insurance with them as well but, if this is the customer care standard, then perhaps we should think again.
Update. Someone finally called us on Friday teatime after I had written this critique and we now have a date for the insurance review, - 18th August, over 3 weeks away!

July 24, 2026
Unprompted review
NFU Mutual logo

Reply from NFU Mutual

Good morning

Thank you for your continued loyalty to NFU Mutual over the years. I’m really sorry to hear about the difficulty you’ve had getting a call back from the Marlow office, especially after being told someone would be in touch. I completely understand how frustrating this must have been, particularly when you were trying to review your cover and considering placing further insurance with us.

This is not the level of service we aim to provide, and I appreciate you bringing it to our attention. I’ll make sure your feedback is passed on so the matter can be looked into, including the missed call-backs and the issue with the office phones.

If you’re still happy for us to do so, we’d really like the opportunity to help with the review of your existing cover and discuss your home insurance needs. Please email us at reviews@nfumutual.co.uk with your full name, address, policy number and contact details, along with the best way and time to contact you, and we’ll arrange for someone to get in touch.

Kind regards

Sophia

Rated 5 out of 5 stars

Swift efficient action to resolve claims

Regrettably, I've had to make two claims on my NFU house insurance policy for water leaks and associated damage.
In both cases there was a feeling that NFU were moving swiftly and efficiently to sort the problem out. In both cases they employed reliable contractors working really well and who knew what they were doing.
Throughout I knew who to speak to and what I had to do.

July 3, 2026
Unprompted review
Rated 2 out of 5 stars

Very poor communication

Very poor communication, you take the time to go through there online requirement only to get a blunt response with no details. No easy access to the contact number etc.

July 22, 2026
Unprompted review
NFU Mutual logo

Reply from NFU Mutual

Good afternoon

Thank you for taking the time to leave a review and provide your feedback. I'm sorry to read about your experience and that you had problems with our online quote service.

We're aware that some customers have the problem you described when seeking a quote online, however, I would have hoped we would have provided easy to access information about how you could then call us if needed.

I will make sure this is fed back to the relevant team, and if you would like me to ask someone to call you directly to discuss a quote, please email us at reviews@nfumutual.co.uk with your full name, address and contact details.

Kind regards

Sophia

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