NFU Mutual car insurance

I changed my circumstances earlier this year. I was with M&S Bank for my car insurance - fully comp, driving 30k miles per year, heavy commute on the M25 paying about £700 p.a. I then relocated to rural Oxfordshire to enter full time residential professional training and M&S said they could no longer insure me. It felt strange that they’d insure a much higher risk. I found it difficult to get quotes and ended up on the NFU website. Had a phone call with them and they completely understood my new circumstances- I’m not a 20 year old student first time living away, but a 46 year old undertaking a different form of study. My insurance, with more benefits than M&S dropped to £300. It was frustrating not getting a quote online but being able to explain my circumstances really helped. And now they have my contents insurance too. Really impressed. 

I have no gripe with M&S - I stopped being their target marker and were helpful when closing. But NFU will be my first call from now on,


  • SiliconChipSiliconChip Forumite
    774 Posts
    500 Posts First Anniversary Name Dropper
    The problem with NFU Mutual is that when you return to being in a lower risk group they will be significantly more expensive than many other insurers, so you may want to look at their premium but I'd be willing to wager a small sum that you won't stay with them for the long haul.
  • sherambersheramber Forumite
    16.1K Posts
    Eighth Anniversary 10,000 Posts I've been Money Tipped! Name Dropper
    I have had two quotes from them at different times for different insurance cover and both were twice as much as others.

    My local community was insured by then for 1 million pounds.

    The hall bought a projector and screen to use in the hall.

    NFU refused to insure it as the premises were near a river.- the same river that the hall was near.

    The fact that the river was in a valley , surrounded by a flood area of sloping large fields, and then a road. The  ground the hall sat in was at the top of a slope leading up from the road.

    If the river had flooded the cinema equipment would have ben the least of their worries.

    But, because a straight line from the river to the hall was under a certain measurement,  it was no go.

    They never did explain how they could cover the hall, and the numerous crofts in the strath, some of whom were a not a couple of thousand for some equipment.

  • saker75saker75 Forumite
    293 Posts
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    That’s interesting to hear both your experiences. Mine so far has been very positive but of course that may change in the future.
  • sherambersheramber Forumite
    16.1K Posts
    Eighth Anniversary 10,000 Posts I've been Money Tipped! Name Dropper
    They do seem to be good at paying out. I know two people who had large claims and were very pleased with the response they got from NFU.
  • tasticztasticz Forumite
    747 Posts
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    have only seen positives about NFU on this forum. too expensive for me tho!
  • MurphybearMurphybear Forumite
    6.8K Posts
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    NFU are constantly at the top of Which and other review sites.

    above average service does often come with a higher price.  
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