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NFU Mutual: Home insurance reviews

Name: Home insurance
Rating: 4.17 (66 reviews)

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4.32

Based on 66 reviews, last reviewed 5th Sep 2025

300% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

77%

3 star

18%

Latest highest rating:

5

Great customer service and swift claims payment Great customer service and swift claims payment Reviewed on: 5th September 2025

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

NFU Mutual home insurance policies can be bought as standalone buildings and contents or both together as a combined policy.

They reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy. And you won't be charged extra if you choose to pay monthly by Direct Debit - no fees or interest.

NFU Mutual home insurance reviews help you find out what it’s really like to be a customer. If you’ve used NFU Mutual before, you can also leave a review and share your experience.

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NFU Mutual Home insurance reviews (66)

I would highly recommend NFU

They are a brilliant organisation - it doesn’t matter which of their products you need; you can rely on them all. The company are efficient, organised, responsive, and their customer service is superb. Reviewed on: 14th July 2023

No payment on any claim

I have been with NFU for over 20 years, they have wriggled out of every claim by telling me 'that is not insured' or you never included that in your prospectus, or your insurance does not include that claim, despite having my house & several other properties insured. My car insurance went up so much I had to find another company. They are recommended by Which, but what annoys me is that no-one ever reviews how good these companies are when a claim is made, its only how polite or charming they are when you take the insurance out initially. Reviewed on: 28th April 2023

NFU Mutual, definitely first for customer service!

Local office contact available, with easy access to knowledgeable advisors. One of the few national organisations where you can still speak to a local office for information and advice. Reviewed on: 28th February 2023

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

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