toquark
Member
We work with NFU and F&M. NFU covers a large policy at work and I use a smaller F&M policy for my own place. Never claimed under F&M but have made a few claims with NFU and they were always very easy to deal with and paid up with no quibbles. The reason we went with F&M at home was the level of cover was higher for a policy which worked out about 30% cheaper than NFU’s price, time will tell how they respond to any claims (hopefully I won’t have to find out).