NFU Mutual

[Steevo]

It is often challenging to ensure you are comparing truly like for like cover with insurance quotes.
@JP1 are you sure ALL levels of cover are the same in your quotes?

Very true.

 

[Grain Buyer]

I haven't sought any. I have been with them since the late eighties. Given the excellent service that I have had, and the fact that their office is close by, I have not felt the need to look elseware.

I don't doubt that cheaper cover is available, but you get what you pay for.

well I told my brother the story about the NFU being expensive, and he was like you. Quality of service, ease of dealing with claims, no need to move.......until he got some quotes in to compare!!!! Now he's going nuts at the thousands he has wasted over the years. I eventually went with a company who were 60% cheaper than my NFU quote, so it seems to stack up against what others have found.

 

[JP1]

That's a huge variation. I conduct my insurance with two providers, NFU Mutual and Cornish Mutual. I have never experienced differences at those levels neither have I had high annual increases that some here have had.
I am also involved with another company that tenders regularly for insurance through a Broker; that company has remained with NFUm for over 10 years.
It is often challenging to ensure you are comparing truly like for like cover with insurance quotes.
@JP1 are you sure ALL levels of cover are the same in your quotes?

Yes. The % 's can appear marked but remember a motor policy and only a small business can cause that variation. NFU Mutual were a bit too high on house buildings insurance and the rest was due to the motors. The Ritesure agent diligently sought to underwrite on the actual NCD achieved on a second car I had for half of last year. All parties had the same opportunities to discuss

 

[An Gof]

Yes. The % 's can appear marked but remember a motor policy and only a small business can cause that variation. NFU Mutual were a bit too high on house buildings insurance and the rest was due to the motors. The Ritesure agent diligently sought to underwrite on the actual NCD achieved on a second car I had for half of last year. All parties had the same opportunities to discuss

Can't comment on motors. I've never had a quote from NFUm for that as I do a fleet policy with CMA. NFUm never used to offer fleet policies, not sure if that has changed now though.

 

[JP1]

Can't comment on motors. I've never had a quote from NFUm for that as I do a fleet policy with CMA. NFUm never used to offer fleet policies, not sure if that has changed now though.

I was with the Mutual and went to Rural two years ago. My broker actually added additional benefits e.g. Livestock in transit insurance at the time.

I chose not to put the actual quote figures up on here just the % disparity

I am now going to be insured via the FUW and I am happy with the service and detailed consideration I received

I think a lot of insurance loses out these days where decent representation of perils and track record cannot be relayed and consulted directly with the underwriter

Too much Little Britain "computer says no" sadly.

 

[theboytheboy]

Anyone recommend a good agricultural insurance broker in the south coast central area

 

[brynseiri]

Mother signed up to a 5 year deal with the NFU, I absolutely cannot see the benefit, they are just so fecking expensive, way out on everything. I suppose they'll pay out fairly, but the 5 year agreement is a waste of time IMO

 

[JP1]

Anyone recommend a good agricultural insurance broker in the south coast central area

Does it have to be local?

 

[Steevo]

Mother signed up to a 5 year deal with the NFU, I absolutely cannot see the benefit, they are just so fecking expensive, way out on everything. I suppose they'll pay out fairly, but the 5 year agreement is a waste of time IMO

5 year agreement counts for nothing.

 

[brynseiri]

5 year agreement counts for nothing.

That's what I told her when she signed up, but hey, whilst she lives there she pays. Boils my pisss that such a prestigious company comes up with some scummy idea to fool people into the idea they're getting a good deal. W4nkers.

 

[S J H]

My renewal date is mid December

I am awaiting the renewal quote from my incumbent broker and then I will post. I have been with the same broker and insurance company for the past two years having moved from NFU Mutual

I thought it right I should get quotes after two years. The Mutual local office actually rang to ask if they could quote this year; although it took two reminders closer to the date to get them to quote

I had asked F&M, NFU Mutual and incumbent to quote. I saw on another thread about Ritesure. I am impressed by their agent Cameron based in Gloucestershire

"Ritesure is a trading title of FUW Insurance Services Ltd, who are one of the UK’s leading independent agricultural and commercial insurance brokers."

So I will report back with findings shortly

Farm ; public liability and other perils
Motor; Defender, tractor and trailers
House building, contents and personal belongings away from home

I'd try county insurance @JP1 ive got the farm and vehicles with them, touch wood haven't had a claim except for a windscreen, but they've been competitive.

 

[ollie989898]

I think the NFU has become one of those rural power-brands, a bit like MVF. It is nearly like a badge of honour for some folks to say they insured their house and 0.24 acre garden with the NFU and that they buy their wellies and dog food and wormer from their local MVF.

I'm all for brands as much as the next man but there is a huge amount of money to be made in the insurance game because of the blind ignorance of people paying premiums and this automatic renewal thing. I got stung on car insurance once by this once back when I could ill afford a hike of over £200. You have to be careful but I am glad to report than not all motor insurers are crooks, I cannot for the life of me remember the last company I used but they were great for 3 years and never tried to escalate the premiums.

Home and contents is another classic. I dread to think of the ins and outs of farm and business insurance, that must be a right shooting match.

 

[Old Boar]

I had house insurance for years with NFU Mutual. It got expensive, so I questioned how much the contents were insured for, and had the answer "oh, we dropped contents a couple of years ago to save you money". This did not show on the renewal document. Thank goodness I did not have a claim during that time!

 

[ollie989898]

I had house insurance for years with NFU Mutual. It got expensive, so I questioned how much the contents were insured for, and had the answer "oh, we dropped contents a couple of years ago to save you money". This did not show on the renewal document. Thank goodness I did not have a claim during that time!

WTF!

 

[Old Boar]

That is mild to what I said down the phone.....

 

[Fiacre]

Anyone recommend a good agricultural insurance broker in the south coast central area

We left the NFU Mutual after 40 years and now use:

http://www.farmcover.co.uk/index-1.html

Very pleased with the service and agriculturally knowledgeable staff and saved over 30%.

 

[agrimax]

Insurance is up on the old pickup on the start of January. With the NFU and they are slightly less than last year. Asked if they could do it for any less and they called back to say no,end off. Got a quote of another place that is £170 less and should be like for like. Called NFU to tell them I wouldn't be renewing and to send out the NCB proof. They wanted to know how much the new price was and when I told them, they said they will see what they can do and get back to me in the morning. So it was a case of take it or leave it and then ''Oh,we might be able to do something better'' after all...............

 

[Johnnyboxer]

well I told my brother the story about the NFU being expensive, and he was like you. Quality of service, ease of dealing with claims, no need to move.......until he got some quotes in to compare!!!! Now he's going nuts at the thousands he has wasted over the years. I eventually went with a company who were 60% cheaper than my NFU quote, so it seems to stack up against what others have found.

House and buildings due, in Jan

NFU sent their renewal and today I thought I'd try Farmers Mercantile and their quote is 2/3rd's of the NFU renewal

Just need to clarify a few bits with FM............ but it's not looking good for the NFU, after 20 years with them

 

[pgk]

Changed land rover to Avila 4 years ago, trailer overtook me and pushed me into ditch. aviva were good and paid me after excess £300 less than i'd bought it for 4 years earlier. unfortunately they would not cover the trailers so I lost out about 6.5 times what i'd saved on the premium. went back to nfu as difference not worth the risk. have farm policy with them but not car, house or tractors at present but am told new farm select policy (I think) may be better for me next renewal and cover more. I always check every year.

 

[matthew]

Changed land rover to Avila 4 years ago, trailer overtook me and pushed me into ditch. aviva were good and paid me after excess £300 less than i'd bought it for 4 years earlier. unfortunately they would not cover the trailers so I lost out about 6.5 times what i'd saved on the premium. went back to nfu as difference not worth the risk. have farm policy with them but not car, house or tractors at present but am told new farm select policy (I think) may be better for me next renewal and cover more. I always check every year.

This is worth remembering. An ordinary motor policy will cover a trailer, but only 3rd party. To have the trailer fully covered, you often have to have the vehicle and trailer covered by the same insurer. Or insure the trailer as a stand alone.
Fortunately we didn't have a claim to find that out. But was pretty angry that we'd been left vulnerable by not asking the right questions.