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NFU Mutual: Home insurance reviews

Name: Home insurance
Rating: 4.63 (71 reviews)

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4.63

Based on 71 reviews, last reviewed 23rd Aug 2026

500% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

79%

3 star

17%

Latest highest rating:

5

Great experience from start to finish! Easy to get through to and actually speak to someone and easy to navigate Reviewed on: 23rd August 2026

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 (71)

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

Excellence

We have been with NFU for over 5 years now for both home and buildings insurance. They are back far the best insurers we have dealt with. We have made claims in the past for both buildings and home insurance. They have never quibbled or challenged our claims, only asked for reasonable Information to process the claims. And the best customer service we’ve experienced from an insurance company. Absolutely recommend them every time. Reviewed on: 12th September 2021

What a disaster!

In May 2020 I discovered damp patches from a leak that was coming from my en suite shower through the ceiling to the study below. The damage was extensive and NFU contracted the repair work out to C. Hanlon, a trades company. Work began on 24th June 2020 and for ther next 5 months my house was in total upheaval. I never knew if/when workmen would turn up. There were frequent, lengthy delays when they were sent off to other jobs and communication was sparse. The shower room and adjoining bedroom were gutted, the shower, wash basin and toilet were dismantled, carpets and floor boards were ripped up, the bedroom furniture was sent to storage, the ceiling and wallpaper in the study below where the water had leaked through had to be replaced. At one point when the workmen had left for the weekend, I found that they had left a pipe dripping which caused another leak through the ceiling below. By mid-October, the work was finally completed...or so I thought, but in February this year I noticed that the vinyl floor in the shower room had started lifting and suspected that the shower was still leaking. The NFU Claims Adjuster came out, gave a cursory look around and concluded that there was not a problem. However, when I lifted the vinyl I found that the floor boards were soaking. The leak is coming from under the shower tray. So now I am back to where I was in May 2020, with apparently no redress forthcoming. My calls are met with vague promises of future action which has so far not materialised. I wrote to NFU Customer Relations requesting that my claim be prioritised in view of the fact that their subcontractor's incompetence has caused this situation. Their response was that it takes 40 days to resolve a complaint, so clearly I am wasting my time with them. Reviewed on: 31st July 2021

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