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NFU Mutual: Home Insurance reviews

Name: Home Insurance
Rating: 4.13 (63 reviews)

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4.34

Based on 63 reviews, last reviewed 10th Oct 2024

91% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

76%

3 star

19%

Latest highest rating:

5

Great CS Been with them over 35 years and have always got the support you require if things go wrong. Reviewed on: 10th October 2024

Latest lowest rating:

1

You have to fight for years to get a proper payout from them after 50 years of being a loyal customer. Dreadful company with even worse loss adjusters It’s a long fight to get a proper payout . Dreadful company with even worse loss adjusters. Reviewed on: 22nd August 2023

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About this product

Finding the right insurance provider can be difficult with so many on the market. A great way to gain valuable insight into an insurer is reading customer reviews. We collect NFU Mutual home insurance reviews to help you make an informed decision when choosing your new provider.

NFU Mutual offers Home & Lifestyle insurance, with an extensive list of benefits and additional extras available. For high value homes and contents, NFU Mutual offers bespoke home insurance policies. The insurer has no admin fees and charges no interest when you choose to pay your premium monthly.

Are you looking for a new home insurance policy? Find out what genuine policyholders have to say by reading our NFU Mutual home insurance reviews. This collective wisdom can help you decide if NFU Mutual is the right insurer for you. Do you require buildings insurance, contents insurance, or both? Learn how satisfied customers were with their policies and whether they would renew with NFU Mutual.

Have you had a home insurance policy with NFU Mutual? Share your experience with our Smart Money People community. Were you satisfied with the cover you received? Did you opt for any additional extras, and would you say that they were reasonably priced? Did you take out a bespoke policy, and if so, did you manage to secure the cover you needed? Did you need to make a claim on your policy, and if so, how well was it handled?

Whether good or bad, leave an NFU Mutual home insurance review today. Together, we can help people like you make better decisions.

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NFU Mutual Home Insurance reviews (63)

Waste of money!!!

We took a building and contents insurance thinking NFU was the best!! How wrong was I?? We bought an old manse so wanted to have it fully insured. After suffering a lot of damage during storm Arwin. We had exterior walls down and around 9 trees. The direction of the storm was very clear. The chimney in the direction of the storm damage came down during the storm. It’s taken over a year to get them to pay to have it repaired. A so called surveyor came from Crawford and co came to look at the damage. He looked from the garden for about 2 minutes before taking a picture and leaving. He could never of seen the damage to the roof it being a 3 story building. I then received an email saying it was wear and tear and wouldn’t cover it. I am still fighting them over this over a year later. I have spoken to so many people at NFU who told me different information. I was told at the least they would put a drown up to see the damage. I was also told they would contract another surveyor as the service from the previous one was so bad. The claim was meant to be escalated to senior staff. I received another letter today saying again they wouldn’t cover the damage same old same old. I can’t seem to talk to anyone involved with the decision . They are always on another call apparently. They have said I have to pay for my own contractor to access the storm damage! I thought that was their job?? It’s been a total nightmare! We live in an old house. It is in amazing condition but yes it’s old so they could say anything was wear and tear. What is the point of the insurance?? So it looks like I will have to pay for a contractor to tell them it was storm damage at my own cost. This is just a joke!! Are they really trying to say my chimney came down by chance during the worst storm in 40 years in this area? So it goes on…..Do yourself a favour avoid them!! My premium is over £200 a month now with what cover?? They were meant to be the best now it seems they are the worst! Reviewed on: 6th January 2023

Good home insurance company.

The policy is very comprehensive and good value for the cost. Reviewed on: 28th September 2022

Tried to speak but RUDE person on line "like a long playing record"

Have just 'phoned re increase of 26% on last years premium, the person I spoke to appeared to read a script without taking a breath, when I spoke she continued to speak over me, this is what NFU state as personal service there to help!!! Inflation at 9% yet premium increased by 26% In sixty years I have never had a home insurance claim. Anyone reading this any suggestions for another company? Reviewed on: 4th August 2022

NFU understands customer needs

I have used other insurance companies but found over the last 4 years that NFU tailor quotes to individual needs which makes for good interactions between supplier and client. Reviewed on: 18th July 2022

NFU and its Legal Insurance Comapny DAS Criminal Organisations

I have now gone to FOS with my complaint about these two Criminal Organisations and the Crooked Solicitor Jackson Boyd in Glasgow that DAS use to defeat your claim. This was a Legal Expenses Claim. I have made a complaint about the refusal of my claim by DAS, I have gone to the FOS. I advise people that have had their claim refused by NFU or DAS to go to the FOS about their refusal of your claim, Remember NFU and DAS are Criminal Organisations out to refuse your claim, NFU took the full 60 days to review my complaint, then they refused it, The NFU and DAS and the crooked Solicitors Jackson Boyd Solicitors refuses to detail where my claim comes under a road traffic offence, The policy legal Expenses Policy says, PERSONAL LEGAL EXPENSES, LEGAL DEFENCE WHAT IS INSURED Item 2. Costs and Expenses to defend an insured person's legal rights if an event leads to their prosecution for an offence connected with the use of or driving a motorised vehicle, I was charged by the Police for allegedly following a MDP vehicle, I have dash camera footage that shows that this never happened, DAS took on my claim under this clause, but that Crooked Solicitors Jackson Boyd in Glasgow stated this was not a road traffic offence, nowhere in the policy does it state only Road Traffic Offences are covered, this was an alleged offence by me driving a motorised vehicle, no damage to my car or to any other car or property would be covered by this Legal Expenses cover, I am only insured for the costs and expenses in defending A charge, but nowhere in this crooked policy by NFU does it say only motoring offences, it states their prosecution for an offence connected with the use of or driving of a motorised vehicle, NO MENTION OF A ROAD TRAFFIC OFFENCE. NFU, DAS AND JACKSON BOYD SOLICITORS ARE TOTAL CROOKS OUT TO DEFEAT YOUR CLAIM, I BELIEVE THEY ARE ALL INVOLVED IN THE PROCEEDS OF CRIME AND MONEY LAUNDERING BY TAKING OUT INSURANCE WITH NFU YOU ARE JUST THROWING MONEY DOWN A WELL, DO NOT WASTE YOUR MONEY, GO TO A REPUTABLE INSURANCE COMPANY Reviewed on: 18th June 2022

Absolutely horrific

Expeled for having a disability an questioning the disgusting culture of discrimination. They are also being sued by a huge number of members for systematic brech of contact. The senior executives and directors oversee a disgusting culture and the business is a deplorable mess. Reviewed on: 3rd June 2022

Corruption and Fraud

NFU us a corrupt company called DAS to process its legal expenses claims, I had to go to the FOS years ago and got compensation about another complaint against DAS, NFU Police states cover for use in connection with the insured driving or the use of a vehicle in the Policy, DAS and Jackson Boyd Solicitors in Scotland stated I was not covered for an alleged offence that I allegedly committed, which I have evidence from Dash Cameras that never happened, and this was in connection with the use or driving of my car. Das and Jackson Boyd refused my Claim, Jackson Boyd is well known for turning claims down, another Legal Expenses company I sent my claim to Jackson Boyd about again said I was not covered for that claim, this other Legal Expenses company stated I was covered, so they removed it from Jackson Boyd to another company of Solicotors. So do n ot touch NFU for Insurance as they use a crooked Legal Expenses Company DAS and a Crooked company of Solicitors in Scotland called Jackson Boyd. All you are doing is wasting your money, nothing is covered by NFU or DAS all they will do is reject all your claim Reviewed on: 17th May 2022

Complete farce

This company is a complete farce and defends cowboys against honest claims Reviewed on: 29th March 2022

Theiving robbers with no customer service whatsoever charging £700 for insurance available for under £120

I have had insurance with the Thirsk branch of this company for some years. On checking my policy I found that although telling them that all my insurances need to be paid by yearly direct debit this had not been acted on. I was told by two women on the phone that it was not possible to pay for anything by yearly direct. What a load of rubbish. They were rude with no customer service whatsoever who constantly talked over you and could not give a yes or no answer to anything. This is a company that is living on past glory and has entirely lost its way. Everyone should check what they are paying as I have taken out the same insurance with one of the biggest companies for far less than a third of what they were asking Reviewed on: 11th March 2022

Update RRP midway through your policy

NFU have made me pay the increase in RRP on a watch I had stolen even though the increase occurred midway though my policy. Even their own brokers say this is incorrect but despite complaining they are refusing to refund me. I’ve also been waiting 13 weeks for my replacement watch because they won’t source it from a reputable reseller, only the manufacturer! Really bad service and underhand tactics. Reviewed on: 6th November 2021

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