phoned local branch for quote they said did not offer insurance in my post code .that's strange as every other company in uk quotes .we do not live in a high crime area .they are just pickie she said ...
Have been with them for the M/Home for 5 years, unlike some Insurance Company's their annual increases are modest. No problem at St Austell talking to a real person, none of this "press button # for this"," Your call is important to us" "you are 43rd in line" and all that that makes you slam down the phone or die of boredom!
I've been with the NFU Mutual since I got my first car back in the early 70s. As I was working for the NFU at the time, it was a pretty obvious choice,
I only worked for the NFU for about three years, but I've never had any reason to change companies since.
I had one major claim in the late seventies, when I dropped a MkIII Cortina in a ditch. I'd been tidying it up to sell & had done the offside, but still quite a bit of work to do on the nearside. A tree trunk in the ditch comprehesively mangled the nearside, leaving the offside untouched. The assessor had a look at the undamaged side, said "Lovely condition for its age, can't give you less than top book". I seem to remember the final figure was around what I had paid for it a couple of years earlier & a lot more than I was expecting to sell it for!
I think there have been 3 or 4 branch principals since those days - always had excellent service from all of them & from their staff. You deal with an agent, who has an interest in keeping clients happy, so is keen to make sure any claims experience is as smooth as it can be. There would be some advantages to using a really good insurance broker instead, but you would probably need to be putting a fair bit of premium their way for a broker to be really interested.
I have always needed business cover for my vehicles, including the m/h, as I use it as a mobile office. The Mutual's additional premium for business use is very reasonable & many insurers won't even offer it on a m/h.
They are a safe choice. Unlikely to be the cheapest, but generally good value. I would never buy insurance on price alone unless I was sure I'd never need it!
I am told they do turn down some potential clients. Sometimes they will get that wrong & turn away perfectly good business, but that cautious approach is probably good for those who are insured with them.
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