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Car insurance


Our car insurance provides a range of features as standard. Unlike some other providers you don't have to then add on extras to the standard quote. Because of this approach our car insurance has won various awards. 

If you have to make a claim you will discover just how friendly and efficient our claims handling service is. Our emergency helpline is available 24 hours a day to take your calls and put you in touch with an approved repairer.

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Limits and exclusions apply.

Please ensure you read the insurance policy document in full before you decide to proceed with any purchase.

Car Insurance Features

There are many standard features to our car insurance product - below are just a few. If you want more information, please view our policy document.

Do I get 'no claims' discount?

  • Previous year no claims = 30%
  • 2 years = 40%
  • 3 years = 50%
  • 4 years = 60%
  • 5 years = 65%
  • 6 years = 66%
  • 7 years = 67%

Do I get a new car replacement?

New car replacement if your vehicle is less than 2 years old from the date of first registration, is a UK specified model and damaged beyond economical repair

Do I get a courtesy car?

Courtesy car (subject to one being available) at no extra cost (up to 14 days), when you report the accident on our claims helpline and use one of our approved repairers.

No extra admin charges

No extra administration charges if you need to make any changes to your policy

Compare our car insurance

With so many policies out there to choose from, it can be difficult to understand which one is best for you. By selecting several product features as an initial guide, view the car insurance comparison chart below to see how the NFU Mutual Car Insurance policy differs from some of the other market leading brands.


ProductDDM Fee (%)1Adjustment FeeDuplicate Documents FeeNew Car Period2Personal Belongings3Theft Excess
NFU Mutual Car Policy 1.25 0 0 24 250 100
Aviva Motor Insurance 15.90 18 0 12 150 150
Churchill Car Insurance 10 15.90 15.90 12 100 150
Direct Line Private Car Policy 10 15.90 0 12 100 150
esure Standard Car Insurance 10.80 26 26 12 100 250
Sheilas' Wheels Car Insurance 10.80 26 26 12 200 150

Comparison at 4th July 2013. Source: Defaqto's Matrix database

1 - Monthly fee for paying by Direct Debit
2 - UK specification only from the date of first registration
3 - Cash, tickets, stamps, cheques or other negotiable money instruments are excluded.

Key conditions and exclusions for NFU Mutual product features only. For full terms and conditions please refer to the policy document available to download here or by request from your local branch.

Take the time
to talk to us

Sometimes the type of cover is more important than the price. By talking to us you can find out just what is covered by our Car insurance.

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