Phone lines closed

Call today: 9:00 am - 8:00 pm

Thursday: 9:00 am - 8:00 pm

Friday: 9:00 am - 8:00 pm

Saturday: 9:00 am - 12:30 pm

Sunday: Closed

Monday: 9:00 am - 8:00 pm

Tuesday: 9:00 am - 8:00 pm


46 Market Square, Duns, TD11 3AL

Welcome to NFU Mutual Borders agency, where we pride ourselves on offering our customers a personal and local service for their insurance, pension and investment requirements. We have a large network of friendly and knowledgeable staff who are on-hand to listen to your specific requirements and to work with you to ensure that you receive the correct cover for your needs.

Whether you require an insurance quote for your home, car, business or farm, or are interested in finding out more about pensions, investments, retirement and succession planning, we offer a comprehensive range of products which can be discussed over the phone, in person at our office, or at your home or business.

We are located next to the market square in Duns and together with our office in Newtown St Boswells, we serve the entire geographical area of the Scottish Borders.

We would be happy to welcome you to the agency so please do pop in if you would like to know more about our insurance products. 

NFU Mutual

Vicky Carmichael

Agent & NFU Scotland Secretary

Vicky has been an Agent for NFU Mutual for more than 25 years and has been based at our Duns office since 2008. She specialises in agricultural and commercial classes of insurance, and runs the Borders agency with Richard, Rory and Laura from our Newtown St Boswells office.

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Richard Forsyth

Senior Agent & NFU Scotland Group Secretary

Richard began his NFU Mutual career in 2009, initially starting out as a Sales Executive before progressing on to become a Senior Agent in 2012. He provides insurance to many types of business throughout the Scottish Borders including agricultural, commercial and estates, and can regularly be found meeting clients on site to discuss their requirements. In addition to running the Borders agency with Rory and Laura, he is also fulfils the Group Secretary role for NFU Scotland.

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Rory Murray


Having initially joined in 2009 as a Senior Account Executive, Rory quickly went on to become an Agent in 2013 and currently specialises in agricultural, estate, commercial and fleet business classes of insurance. He is particularly involved in growing the business and establishing relationships with new clients, and when not travelling around the Scottish Borders visiting customers at their premises he is busy managing the agency’s accounts.

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Laura Bell

Laura Bell

Assistant Agent & NFU Scotland Group Secretary

Laura started her NFU Mutual career in 2012 as an Account Executive, providing commercial insurance to many different business sectors throughout the Scottish Borders, before taking on the role of Assistant Agent in 2016. In addition to joining Richard and Rory in the running of the Borders agency, Laura is heavily involved in growing the agricultural side of the business and can regularly be found visiting client premises in the local area, as well as fulfilling her NFU Scotland Group Secretary role.

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Fiona Learmonth

Customer Sales Adviser

Fiona joined the team in 2000 and deals with all NFU Mutual products including new business quotes and changes to existing policies. She is a fully trained claims specialist and is available to help should you need to make a claim.

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Linsey Wilson

Customer Sales Adviser

Linsey started her career with NFU Mutual in 2007 and was initially based in our Newtown St Boswells office. She later joined the team in Duns in 2011 and deals with all NFU Mutual products including new business quotes and changes to existing policies. She is a fully trained claims specialist and is available to help should you need to make a claim.

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Lynne Kruyer

Customer Sales Adviser

Lynne joined the team in 2000 and is responsible for processing changes to existing policies, collating renewal documentation and managing the accounts. She is a fully trained claims specialist and is on-hand to assist should you have to make any claims on your motor, personal or equine policies.

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Out of Hours

Customer Support Centre

Our phone number continues to be answered by our Customer Support Centre colleagues in Glasgow once our office closes. So, should you need to get in touch to obtain a quote, discuss an existing policy, make a change to your motor, personal, business or equine insurance they will be happy to assist you from 5pm - 8pm weekdays, 9.30am – 12.30pm on Saturdays, and during most Bank Holidays. Please note that due to data protection the CSC team will only be able to deal with the policyholder or an authorised person noted on the policy.

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