NFU Mutual Reviews 

6,734
TrustScore 4 out of 5

4.1

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

Evaluating 457 reviews, reviewers had a great experience with this company. Consumers consistently praise the helpful and professional staff members for providing exceptional guidance and support throughout the entire insurance process. Individuals looking for reliable coverage find the prompt and efficient claim handling to be extremely reassuring during difficult stressful situations. Some people were dissatisfied with the expensive renewal quotes and the substantial price increases experienced continuously over the years. Consumers also mentioned frustrating communication issues, noting that local branches failed to return urgent calls and provided unhelpful responses. Reviewers expressed disappointment when trying to obtain quotes, reporting eligibility restrictions and unexpected policy limitations that caused considerable annoyance.

What people talk about most

Service

Users describe positive interactions with service, highlighting prompt and professional assistance. Reviewers... See more

Claim

Consumers find claim experiences to be highly mixed and unpredictable. While many reviewers praised the... See more

Staff

Clients share positive opinions on staff, consistently praising their helpfulness, responsiveness, and... See more

Customer service

Customers consistently note ambiguous experiences with customer_service. While many reviewers praise the... See more

Price

Reviewers highlight ambiguous aspects of price, noting that policies can be significantly more expensive than... 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

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

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... 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


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

4.1

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.

4.1

All reviews

(6,734)

432 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 is the best insurance company I and…

NFU is the best insurance company I and many of my associates would agree with this. There is no argument if there is a genuine claim and it’s sorted out very quickly with no arguments once they have all the facts. Maybe a bit more expensive then other insurance companies but with them if you unfortunately, do have a real claim they get it sorted without any fuss, or trying to avoid the situation.

31 May 2026
Unprompted review
Rated 1 out of 5 stars

Very disappointed with the reduced payment

They didn't pay the full amount my horse was insured for, even tho the premium was based on the insured value. Very disappointed with how this was handled especially as I have been a customer for many many years insuring, horses, lorry and trailers and have not made a claim for a considerable time.

1 May 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 truly sorry to hear about the loss of your horse and your dissatisfaction with how the claim was settled, especially during what I'm sure was a difficult time.

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

Kind regards

Sophia

Rated 1 out of 5 stars

Not a national insurer

Requested a quote on the website for a call back but nothing for 4 days. When I called they said my postcode is not covered..the website should have flagged that, huge waste of time and terrible experience dealing with them

3 July 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 we weren't able to offer you insurance on this occasion.

We're aware that some customers have the problem you described when seeking a quote online, and it has been fed back to the relevant teams. However, I would have hoped you would have received a call back more quickly than you did, and I apologise that it took 4 days.

We'd be happy to look into this further for you, unfortunately, there isn't enough information attached to your review for us to identify you. Please could you email us at reviews@nfumutual.co.uk with your full name, address and contact details, and we shall then pass the information to the relevant team to investigate further.

Kind regards

Sophia

Rated 5 out of 5 stars

Our problem was a water leak that flooded our ground floor

Our problem was a water leak that cascaded from the ceiling.
We discovered it when we returned home from shopping.
I immediately turned the water off at the main stop valve, checked there were no obvious electrical sockets that could be dangerous, and then telephoned the NFU emergency number.
From that moment on we have been impressed by the whole system in place to deal with the claim.
The NFU emergency handler, calmy dealt with us and all he said would happen did happen.
Ben Armitage, the loss adjuster from Sedgwick’s was outstanding.
He arrived quickly, and has led the team of other personnel and subcontractors perfectly.
He was ably assisted by Rachel Wilson, who was very diligent with communication and help in a timely manner.
She also kept us up to date when any payments due to us from NFU were to be made.
The drying and removal subcontractor did their job and dried the house and removed and returned the contents.
The building and repair company, BMC East Ltd, were outstanding.
Led by the superb Mark Daynes, we were consulted, given calm assurance, and were treated at all times with wonderful care and attention. However, the best part was their attitude of getting everything right and every one of their employees, who came here, did an excellent job in their own speciality, and had an equally excellent attitude.

It is the credit of NFU that they employ such ideal people to deal with claims such as ours.
Thank you for handling our claim so well. You have enabled a dreadful occurrence to be minimised in its impact.

29 November 2025
Unprompted review
Rated 1 out of 5 stars

An upsetting and inaccessible interview experience

I attended an interview here for a customer-service insurance role. I had disclosed beforehand that I am autistic, and I went into the interview genuinely hopeful because I have done similar customer-service work before and believed I could do the job well.

Part of the interview involved five candidates being put together in a room and asked to complete a large wooden puzzle while several managers sat watching and assessing us. For an autistic person, being judged live in a group task like that, alongside other candidates, can be incredibly difficult. It felt like I was being assessed on how well I could perform socially in an artificial group situation, rather than on whether I had the skills and experience to actually do the job.

Afterwards, I had a one-to-one interview which I felt went well. I left the building feeling positive and hopeful. When I was later told I had not been successful, the reason given was mainly how I handled the puzzle/group task.

That feedback hurt me far more than I think they realised. It completely knocked my confidence. I have not applied for another job in months because it left me feeling like, as an autistic person, I will always be judged against neurotypical people in situations that are not built for me, and that I will never really be given a fair chance.

I am not writing this to be cruel. I am writing it because recruitment processes need to be accessible and fair for neurodivergent applicants too. I hope they seriously review how they assess autistic candidates, because the impact of getting it wrong can be much deeper than just “not getting the job.”

28 October 2025
Unprompted review
NFU Mutual logo

Reply from NFU Mutual

Good morning

Thank you for taking the time to share your experience. We’re very sorry to read how the assessment process and the feedback you received affected you, and we appreciate you taking the time to provide such honest and thoughtful feedback.

At NFU Mutual, we’re committed to providing a fair, inclusive, and accessible recruitment experience for all candidates. We recognise that recruitment processes can present different barriers for different people, including neurodivergent candidates, and we want every candidate to feel they have a fair opportunity to demonstrate their skills, experience, and potential.

Your feedback is important to us, and we appreciate you sharing your perspective and experience. We would welcome the opportunity to understand the circumstances more fully, so that we can reflect on the feedback further and consider any learning that may help us continue to improve our recruitment process and candidate experience.

If you feel comfortable doing so, please contact us at recruitment@nfumutual.co.uk with your full name, contact details and the date of your interview, so a member of our recruitment team can get in touch directly.

Thank you again for bringing this to our attention. We’re genuinely sorry this was your experience, and we’ll use your feedback to help us continue improving how we remove barriers and support candidates through our recruitment process.

Kind regards

Sophia

Rated 5 out of 5 stars

Paolo Ascione

I highly recommend Paolo Ascione of NUF Mutual for any insurance needs. As my agent for the past 2 years, he has consistently provided outstanding service, deep industry knowledge, and complete peace of mind.

Paolo excels at making complex policy details easy to understand. He always finds the best coverage options tailored to my specific budget. His responsiveness and customer-first attitude make him an absolute pleasure to work with.

If you are looking for an honest, proactive, and highly professional insurance agent, look no further than Paolo Ascione.

3 June 2026
Unprompted review
Rated 5 out of 5 stars

Great help from them when broken down

After breaking down, NFU were excellent in helping out. RAC had us waiting for 4 hours before passing us on to Macadam who then turned up promptly. In the meantime, NFU were very helpful, they organised a taxi for my wife and dog, kept constant check on us, and even called us afterwards to check we got home safely.
A huge, thank you to NFU, and Macadam. I only wished the RAC would be that helpful.

24 June 2026
Unprompted review
Rated 2 out of 5 stars

Ill advised at outset

Recommended to get a house insurance quote from here. Confusingly e mails came up surrey agency. Communication was poor
Several e mails and phone calls when on last one told it was obvious from the outset they'd never be able to match my quote. Complete waste of time.

24 June 2026
Unprompted review
NFU Mutual logo

Reply from NFU Mutual

Good morning

Thank you for leaving a review on your recent experience in seeking a quote from us.

I was disappointed to read that our communication was poor and that it took so long for us to advise that we wouldn't be able to match your quote.

We appreciate your feedback and would welcome the opportunity to look into this further, so we can try to prevent it from happening again.

In order for us to do this, please could you email us at reviews@nfumutual.co.uk with your full name, address and contact details, as well as your quote number (if provided).

Kind regards

Sophia

Rated 1 out of 5 stars

Very poor communication would not push…

Very poor communication would not push my claim, as I had to do all the chasing. The claim was said to be 50/50, but I was parked full comp ins at a very high premium, full no-claims, 10 years plus, and ended up paying for my own repairs. What's the point in being insured with a company like this?

13 July 2025
Unprompted review
NFU Mutual logo

Reply from NFU Mutual

Good morning

Thank you for taking the time to leave a review about your claim.

Liability claims can quite complex and we have to make a decision based purely on the evidence that's been presented, and in some cases, evidence may not always be available.

I've been in your situation and I understand how frustrating it is. We'd be happy to double check the decision for you, but in order for us to do so, please could you provide your full name, address and contact details, as well as your policy and claim number, by emailing: reviews@nfumutual.co.uk

It would also be helpful if you could any provide any further information or evidence you may have to support your position.

Kind regards

Sophia

Rated 5 out of 5 stars

I lost an expensive hearing aid on a…

I lost an expensive hearing aid on a Scottish river bank. I informed NFU immediately but continued to look for it. I got back on the Sunday and told NFU immediately and I received full compensation by the end of the week. No silly questions no prevarication and critically no delay which I have experienced on the few occasions I have dealt with insurance companies in the past . Well done Nathan and Jamal.

8 June 2026
Unprompted review
Rated 5 out of 5 stars

NFU insurance - smallholding in Wales

We have a smallholding in Wales. I would highly recommend NFU insurance. They visit you to understand what is to be covered as most insurance companies only have online forms and many parts of a smallholding don't fit into any category. We felt confident after the visit that that understood our setup and that it would be covered. After storm Darragh in Dec 2024, they proved their worth, being helpful, prompt and considerate with our claim and particularly so, when it took nearly 18 months to get a complicated repair completed - they were with us all the way. Highly recommend.

31 May 2026
Unprompted review

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