Estate insurance claim

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How to make a claim

If you need to make a Business insurance claim, please ensure you have the following to hand before you contact us:

Your policy number
Details of any third parties involved
An indication of the value of the claim, such as purchase price, estimated replacement cost, or the extent of damage or injury

You can then call into your local branch – or if you deal with us directly - call NFU Mutual direct on 0800 282 652 (for security and training purposes calls may be recorded and monitored).

Your policy document will explain precisely what is and is not covered.

Please read your policy in detail before making a claim.

Claims FAQs

What to do in the event of a pollution incident

Speed is of the essence in dealing with these incidents.

In the event of an incident which could give rise to a pollution situation it is imperative that immediate notification takes place. We have developed a helpline working with the specialist Loss Adjusting firm QuestGates, who will provide assistance and guidance.

Should you become aware of any pollution incident which may give rise to a claim, immediately contact your NFU Mutual branch or outside of normal working hours contact QuestGates direct on the 24 hr helpline 0870 238 5372.

We may monitor and record incoming and outgoing email messages for the purposes of investigating or detecting unauthorised use of our system and ensuring its effective operation.

When do I call the police and who else might I need to call?

You must call the police as soon as possible for any incident that involves loss of personal possessions, theft, malicious damage, or personal injury. Remember to obtain an incident reference number.

If you damage someone else's property and that person cannot be contacted.

Report any lost credit cards to the issuing company.

You can report claims over the phone to NFU Mutual, for details select the appropriate product button.

What do I do if someone else (a third party) is involved?

Exchange name and contact details.

It may also be useful to obtain details of any witnesses.

What happens once I've submitted my claim?

Any emergency repairs will be authorised without delay.

We will acknowledge your claim in writing.

If we need further details we will ask for them at this point. Included in this acknowledgement will be contact details to allow you to follow the progress of your claim.

We aim to settle all claims as quickly and as fairly as possible. However, delays may occur where we need to contact you for additional information, or where a claim is complicated, or where a third party is involved. If you need to check on the progress of your claim do not hesitate to contact us.

What if I have a complaint?

We welcome your views on any aspect of our service and if we fail to meet your expectations, in the first instance please contact us on the number given on your claim acknowledgement, or as indicated for the appropriate product on the "Reporting a claim." page.

More details about how to make a complaint can be found in our complaints section.