Personal

• Home buildings
• Contents and personal belongings
• Travel
• Personal accident
• Boat
• Caravan
• Dog and cat
• Horse and rider

More about NFU Mutual Personal insurance

Motor

• Private car
• Commercial vehicle
• Fleet
• Tractor
• Motorhome
• Trailer

More about NFU Mutual Motor insurance

Commercial

• Farm and estate
• Tradesman
• Motor trade - Car dealers/Garages
• Catering
• Retail
• Office
• Surgery

More about NFU Mutual Commercial insurance

Investment

Colin Murray is our dedicated Financial Consultant who will provide financial planning for customers looking to make their money work harder for them. Please call the office to arrange a time and date suitable to discuss further your investment needs with Colin (there is no charge for a financial consultation).

Our products include;

• ISA - Individual Savings Account.
• Flexibonds - aims to achieve medium to long term growth, while allowing for withdrawals and offers a choice of investment funds.
• Capital Access Bond - can be used in a similar way to a deposit account, ideal for short term holdings.

Protection

Accidents illness or even death can happen to anyone at any age. Our income protection products are designed to help our customers financially if they are unexpectedly taken ill or are involved in any accidents, and can provide payments to your family due to a loss of life. These policies are available to both our corporate and private clients.

Our products include;

• Income Protection Insurance - provides a regular monthly income if you are unable to do your work due to illness or injury.
• Critical Illness - pays out a lump sum on the diagnosis of a critical illness.
• Essential Abilities Policy - ideal for farmers who may be ineligible for income protection due to the number of hours worked and the risk involved in their occupation. Provides a regular monthly income in the event that an illness or injury prevents you from being able to complete a number of specific day to day activities.
• Whole of Life Policy - pays a lump sum on death of the life assured.
• Mortgage Protection - settles the outstanding balance of your mortgage upon death.

Retirement planning

Funding your retirement is increasingly becoming an individuals responsibility and through NFU Mutual you can access our exclusive award winning pension plans to make the most of your retirement.

Our products include;

• Personal Pension Plan With Profits
• Stakeholder Pension Plan
• Self-Invested Pension Plan
• Pension Annuity

NFU Mutual Financial Consultants advise on NFU Mutual products and services and, in special circumstances those of other providers.

It is every business’s legal obligation to ensure that their employee’s health and safety needs are maintained. NFU Mutual Risk Management Services are experts in Health and Safety legislation and can help to reduce the cost of compliance and reduce your exposure to prosecution by advising on where improvements need to be made and keeping you up to date with changes in the law. For further enquiries about our Risk Management Services please contact one of the team at the Thainstone office.

Risk management services are provided by NFU Mutual Risk Management Services Limited.