NFU Mutual is a UK-based insurance company that specializes in providing insurance products and services to rural communities and those with agricultural interests. Here's a brief summary:
Overview of NFU Mutual:
NFU Mutual was founded in 1910 by seven farmers in Stratford-upon-Avon, with the aim of providing insurance tailored to the needs of the farming community.
Over the years, NFU Mutual has expanded its offerings to include a wide range of insurance products, including home insurance, car insurance, business insurance, and more.
The company operates as a mutual insurer, meaning it is owned by its policyholders, allowing it to focus on serving the needs of its members rather than shareholders.
Car Insurance Products:
NFU Mutual offers car insurance policies designed to meet the needs of rural residents and those with agricultural interests. These may include:
Comprehensive Cover: Providing extensive coverage for damage to your own vehicle as well as damage to third-party vehicles or property. It may include additional benefits such as windscreen cover, personal injury protection, and access to a courtesy car.
Third-Party, Fire and Theft: Offering coverage for damage to third-party vehicles or property, as well as protection against fire damage and theft of your own vehicle.
Third-Party Only (TPO): Covering damage to third-party vehicles or property but does not provide any coverage for damage to your own vehicle. It is the minimum level of cover required by law in the UK.
What's included:
• Mutual Assist breakdown cover provided by the RAC.**
• No Claims Discount protected if you’re hit by an uninsured driver and no excess to pay.*
• New car replacement - if you purchase a UK model from new and it’s less than two years old when it’s stolen or written off. A whole year longer than many other insurers.
• Motor Legal Protection - giving you access to legal advice and covering legal costs up to £100,000.
• Small courtesy car in the UK for the duration of repairs carried out by our approved repairers; or up to 14 days if yours is written off or stolen.
• Windscreen replacement with no reduction in no claims discount.
• Guarantee on repairs carried out by approved repairers.
• Theft or damage to child car seats.
• The same level of cover while driving in most European countries.
What isn't included:
• Breakdowns outside the UK, within ¼ mile from home or recovery distance greater than 20 miles.
• Any excess, which is the amount you’ll need to pay towards a claim. Your policy documents will outline where these apply.
• Loss of value over time, damage to tyres and wear and tear.
• Replacement of keys and locks if keys are lost.
• Personal possessions not kept in a locked vehicle, boot or glove compartment.
• Cash, tickets, stamps and cheques.
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