NFU Mutual Reviews 

6,788
•
TrustScore 4 out of 5

4.0

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Looking at 441 reviews, reviewers had a great experience with this company. Customers frequently praise the exceptionally helpful, knowledgeable, and professional staff for managing insurance claims with remarkable speed, genuine care, and absolute efficiency during stressful moments. Many people genuinely appreciate the reassuring personal approach and attentive guidance provided throughout every single step of their claims journey. However, some customers also noted that annual policy renewal premiums tend to be quite expensive compared to alternative providers in the broader industry. A few reviewers additionally mentioned encountering occasional communication hurdles, such as unreturned phone calls or frustrating delays when seeking local office assistance.

What people talk about most

Service

People report positive experiences with service, frequently highlighting the prompt response times and... See more

Claim

Consumers find claim experiences mixed, with many reviewers praising the fast, stress-free, and helpful... See more

Staff

Clients share positive opinions on staff, frequently describing them as extremely helpful, knowledgeable, and... See more

Customer service

Reviewers highlight ambiguous aspects of customer service, with many customers praising the polite, prompt,... See more

Price

Customers had ambiguous experiences with price, as many reviewers pointed out that costs are significantly... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Speedy resolution. Not sure the advice was always consistent as to exactly what was covered. The settlement was however fair and paid promptly. As with all insurance always check that you are covered... See more

Rated 5 out of 5 stars

Had to make a pet (dog) insurance claim - very prompt response to phone call - no significant button pressing or difficulty understanding the person at NFU Mutual. Able to deal with claim requireme... 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

Rated 5 out of 5 stars

Let me start by saying I am not an NFU policy holder, but had to make a claim from NFU as the third-party. Both times I have had to communicate to their motor claims department, I have been astonishe... 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

5-star
4-star
3-star
2-star
1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.0

All reviews

(6,788)

401 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

NFU responded immediately to our claim

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 they were very efficient. Once quotations had been submitted, the loss adjuster quickly agreed a fair settlement with us.
NFU then paid out the agreed amounts promptly.
I would recommend them to any property owner.

May 15, 2026
Unprompted review
Rated 1 out of 5 stars

Been with the nfu for years.not good.

Been with the nfu for years.
Had car insurance with them Then they cancelled it within one month with no explanation.
Then being on the phone for hours, trying to get a response ?
Told have to redo policy Policy may go up.
Just haven't got the time for this

June 3, 2026
Unprompted review
NFU Mutual logo

Reply from NFU Mutual

Good afternoon

Thank you for taking the time to leave a review, and I was sorry to read about the issues 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.

In order for us to do this, please could you email us at reviews@nfumutual.co.uk with your full name, address, policy number and your preferred contact details.

I hope to hear from you soon.

Kind regards

Sophia

Rated 5 out of 5 stars

They are not the cheapest but you get…

They are not the cheapest but you get fantastic service and in our view well worth the extra cost. We recently had a claim and they were great, good service and nice to talk with areal person who were really kind and helpful. A special mention to Jackie at Woodhall Spa who went over and beyond. We will be moving the rest of our insurance policies to them when they are due.

June 2, 2026
Unprompted review
Rated 5 out of 5 stars

Very Happy With Outcome

We had a major claim due to a tenant completely wrecking our property and leaving it uninhabitable, which just happened to be our main residence.

The damage was entirely caused by their pet dogs, we were initially told that we probably wouldn't be covered, but because we didnt have a pet exclusion on our policy they paid out. The Loss Adjusters were brilliant and organised an urgent payment within a week. They even contacted us a month later to monitor progress and paid out a further claim for additional damage we had found in the meantime.

April 9, 2026
Unprompted review
Rated 5 out of 5 stars

you don't need insurance... until you do

Never claimed on house insurance before - never needed to - but when I did, the service from NFU Mutual was outstanding: helpful, courteous people on the phone, going the extra mile to help, in a difficult situation.

May 19, 2026
Unprompted review
Rated 5 out of 5 stars

Great claim experience.

I recently had to make a claim on my NFU household insurance. It was for the loss of a watch, which I had not specified, but that was not a problem. The people I spoke to were helpful and friendly right from the start and thought they went the extra mile in helping us replace the lost item. Have been with NFU for many years, and while it may not be the cheapest, the quality of service, when it comes to actually making a claim, is very well worth it. Great company and great people.

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

Fantastic company

We have used the NFU for many of our insurance needs . Today confirmed that using the NFU for vehicle insurance is a sensible option. Not only do they provide great cover but you interact with a human being who is working for you on getting the best for you . Admittedly they can look to be more expensive than some other online companies but this has proved time and time again to be a false thought. When dealing with insurance coverage you just want to get it and only pay attention to the cost. This is a valid reading but what the NFU do over and above what these other faceless companies do is immeasurable. The attention to detail and the quality of service must and does have a cost but ultimately as the olde saying goes you get what you pay for. I would not hesitate to recommend them for your insurance needs.

May 28, 2026
Unprompted review
Rated 5 out of 5 stars

Fantastic insurance company

I have been with them less than a year. After 6 months i had a small shunt in France. They sorted everything on one 5 minute call. Last month i had my camper van stolen from my friends driveway. They were absolutely fantastic. Two telephone calls in total less than one hour. They paid out exactly what i paid for the van. They were true professionals and absolutely fantastic and stress free to deal with. Chapeau very professional and many thanks. Ana Salvado and her team were excellent

April 17, 2026
Unprompted review
Rated 1 out of 5 stars

Unacceptable Treatment by NFU


Following a recent review that I gave NFU a week ago they have replied via this media and just said ‘contact the ombudsman’.

That is exactly what you do not want from your insurance company, but this is absolutely typical of the non service I have received throughout this claim.

The left hand appears to have no idea what the right hand is doing and most definitely Sophie at NFU who put her name to the reply did not read my review properly and certainly has not read the correspondence in my case. Unfortunately there is no mention where to contact anyone just the arrogance of the comment go away and ‘contact the ombudsman’. As you choose to reply to me via this public media other potential or existing customers will have the benefit of my experience what they can expect in the future.

I have accepted that you are not prepared to cover me for the water damage caused by the burst water tank in my property. That was not what my last review was about.

I am not prepared to accept the damage caused by your contractors when you initially accepted the claim as your responsibility and large areas of perfectly good carpet were ripped out unnecessarily and now you are not prepared to reimburse me, discuss the matter or even reply to my emails.

NFU have been coming back to me for 5 months on this and I have sent 4 chasing emails through their appointed loss adjuster who again on 8th May replied ‘Thank you for your email, I have chased the Insurers for their response’.

To me it is quite extraordinary that initially NFU accepted that this was their claim and then a week later changed their minds. I received a telephone call from their appointed loss adjuster telling me that they will no longer honour the claim.

Ok, well what about your appointed company entering my property and doing things their way that I thought at the time was excessive. I thought, well I’m insured so they will put it all right.

Then they just walk away and leave me with the mess and all of the costs when they should not have been in my property in the first place !

Then to top it all NOBODY at NFU can make a decision or even have the courtesy to communicate with me about this for 5 months.

Surely any reader even within NFU must think that this is extraordinary.

May 26, 2026
Unprompted review
Rated 5 out of 5 stars

Simply the best insurance company for me!

The best insurer around for my house and its contents, as well as my car. Unfortunately, I recently had a water leak in my bathroom. I need not to have worried - the NFU were absolutely ACE in every way, from me making my claim, the care taken of my claim, to the workforce the NFU provided. 10/10 for this wonderful insurance company.

May 25, 2026
Unprompted review
Rated 5 out of 5 stars

Long May You Prosper NFU Mutual

Ok
What a fantastic Company ! Quick positive quotes, they were very easy to understand spoke precisely. My Policy arrived the following day, I was also told if needed a no charge instalment plan ( No interest)

Now the Best Bit
My quotes from other insurers €1400 + NFU Mutual €500
Long may you prosper NFU Mutual

May 21, 2026
Unprompted review
Rated 1 out of 5 stars

AGEISM

Today I requested a quote for comprehensive car insurance and a lady phoned back and asked 2 questions one of which was had I made a claim to which I replied yes ( a minor bump) to which she said as you've had a claim and are over 70 we can't quote that's ridiculous in fact AGEISM.
She never asked details of the claim. Not good business practice, be AWARE.

May 21, 2026
Unprompted review
NFU Mutual logo

Reply from NFU Mutual

Good morning

Thank you for taking the time to leave a review and provide your feedback. I'm sorry to read about your experience and that we weren't able to offer you insurance on this occasion.

A clear part of our approach to doing business is to avoid discrimination except as legally permitted when considering relevant risk factors.

Age is one of many factors that is considered when assessing risk for the purposes of providing a financial service, such as insurance. Different insurers have different approaches towards risk and use regularly updated data to assess this. Our data shows that a driver’s age can affect the level of risk they present, and on occasion, the risk is greater than we can accept.

The British Insurance Brokers Association (BIBA) holds information about providers who may be able to offer insurance. Their contact details are 0370 950 1790 or www.biba.org.uk/find-insurance

I appreciate this was not the outcome you were hoping for however I hope this helps in explaining the reason behind our decision.

Kind regards

Sophia

Rated 1 out of 5 stars

Poor company was insured with them 25…

Poor company was insured with them 25 years farm insurance house cars they had £1000s over them years maybe £250000 I had 1 non fault accident they wanted to pay but couldn't get the other party to agree and tried to charge me I refused and they tripled my car insurance. I had to get ombudsman involved to get compensation witch was granted disgusting service after all them years with no claims. Don't bother there advert is total lies never again.

May 19, 2025
Unprompted review
NFU Mutual logo

Reply from NFU Mutual

Good morning

Thank you for taking the time to leave a review, and I was sorry to read about your recent experience. We appreciate any feedback on how we can work to improve the service we provide our customers and would welcome the opportunity to look into this further.

In order for us to do this, please could you email us at reviews@nfumutual.co.uk and provide your full name, address and contact details, as well as your policy and/or claim number.

Kind regards

Sophia

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look