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Support with making payments

We understand that this is an incredibly difficult time for many of our customers affected by the Coronavirus outbreak and that you may have a number of concerns as a result, including your financial commitments.

We always seek to support our customers wherever possible and we have some options available to help ease your temporary financial pressures during this time. These include reviewing your ongoing needs and suitability of your cover or looking at ways to restructure your payments.

In some cases, it may be in your best interest to consider a mid-term adjustment to your policy, which may reduce your monthly payments if your insurance needs have changed during this time. Remember that we don’t charge fees for adjustments, administration services or cancellations and we don’t charge any interest on your Direct Debit payments.

If a mid-term adjustment isn’t a suitable option, you may be eligible to restructure your payments within the remaining term of your policy. Please remember that deferring any payments will mean your monthly payments will increase further down the line.

If you’re worried about your situation, then please contact your local agency or Mutual Direct to discuss your needs in more detail.

There are a number of options available to you if you’re struggling to make a payment:

  • We can work with you to review your cover where possible e.g. where it’s not currently needed, which may reduce your premium for future instalments. Please be aware of the risk of underinsurance and continue to make sure that you have cover in place for everything you need. Remember, some insurance products are a legal requirement, such as motor insurance or Employers’ Liability.
  • If you currently pay your premium in cash, you can move to Direct Debit payments at 0% finance.
  • Your Direct Debit instalment can be paid using a credit card – please remember to check with your credit card provider about any fees, interest rates and terms for payments.

In certain circumstances, we could offer a deferral of up to three months premium instalments. This may be suitable for some customers who are facing immediate cash flow challenges. Please be aware that deferral of payments is only available within the term of the policy, and will increase the amount that needs to be paid at the end of the deferral period, where all deferred instalments will be payable in full.

Yes, in certain situations, a deferral of up to three months premium instalments is possible – please contact your local agent or Mutual Direct to discuss your personal circumstances, whether you are eligible, and if this is the best option for you. Please note, any deferral must be within the term of the policy.

How to get in touch

So we can help you as efficiently as possible, please contact us through the place you purchased your NFU Mutual policy from: you can find out who your policy is held with on the front page of your policy schedule. This will tell you whether you are insured through Mutual Direct or one of our local agencies.

Agency customers: If you’d like to speak to your local agency over the phone, you can find your local agency. Alternatively, you can complete this web form and one of the team will be in touch shortly.

Mutual Direct customers: If you would like to speak to Mutual Direct over the phone, please call 0800 316 4661