I have a friend who works in one of the above named companies and they say they struggle to beat the NFU in the majority of quotes. It does always vary between Agents as well.Main Farm Insurers are NFU, Axa, NIG Farmweb, Zurich, Cornish Mutual,Amlin,Aviva,IFARM plus one or 2 others. They all have good and bad points.
The most important point is that the person arranging your Insurance fully understands your business and farm Insurance. If the cover is arranged correctly in the first place it should pay out when there is a claim BUT the Broker/Agent arranging that Insurance needs to stand up and be counted when that claim comes along- it should not be passed to a call centre. As Brokers we take your money so we should have an obligation to sort the claim out- too many take the attitude, thats not my job.
@flyonthewall makes good comment about policy terms and condition. I believe that is our job as Brokers to fully explain the relevant ones to you. You will lose the will to live if you try and read them all!
On a daily basis we see N** knocking 10-50% off premiums to match quotes we have done. Very annoying but I have seen them do it for last 25 years since I quit working for them. It is never good for 1 company to have 65-70% of a market.