What to do if you're facing financial difficulties

We understand that the current economic climate is putting pressure on households and businesses across the country.

We’re committed to supporting our customers, whatever your circumstances or needs, we’re here to help.

If you’re currently facing financial difficulty, please contact us - we would be happy to discuss and explain your insurance covers.

We won't charge you any administration fees if you choose to make any changes or cancel your policies.

To talk to us about your insurance cover, please contact our UK based call centre, Mutual Direct, or your local Agency. You can find out where you purchased your insurance from on the front page of your policy schedule.

If you purchased your policy from our UK-based call centre Mutual Direct, call:

0800 072 5569

Telephone Opening Hours: Mon-Fri: 8am-8pm, Sat: 9am-12:30pm

If you purchased your policy via one of our local agency offices:

You can call your agency office between 9am and 5pm Monday to Friday - find your local agency office. If you would like to contact your agency office outside of these hours or would like them to call you please complete the following contact form.

Organisations that can help if you are facing financial difficulties

StepChange - a service providing free, flexible debt advice based on your situation. 

Citizens Advice -  a network of independent charities, providing debt and money advice along with access to housing support and other services related to consumer finances.

National Debtline - a registered charity providing free debt advice to people across the UK.

MoneyHelper - a government-backed service providing money and mention guidance. 

We’re here for you

As a mutual organisation, our customers are at the heart of everything we do. We operate solely for the benefit of our members and pride ourselves on the high-quality insurance products and first-class service we deliver.

Here are some of the reasons why 9/10 customers continue to choose NFU Mutual to protect the things that matter most to them, year after year.

Rewarding loyalty

When you renew your insurance policy with us, we’ll reward you through our Mutual Bonus which provides a saving on your renewal premium.

Renewal Year 1st 2nd 3rd 4th 5th +
Total Mutual Bonus 7% 8% 8% 9%


Mutual Bonus rates for renewals between 1st July 2023 and 30th June 2024.

No fees for direct debits or policy changes

We won’t charge you extra to pay monthly by Direct Debit on any of our insurance policies.

We also don’t charge admin fees when you make adjustments, or if you cancel your policy.

Highly rated

Many of our general insurance products are highly rated by impartial industry experts.

We pay out on 97% of claims*

When you need us most, our team will be on hand to provide peace of mind and support you through the claims process.

*Based on settled claims January 2023 to January 2024, excluding claims not pursued by the customer.

We’re a responsible business

Since 2020, we’ve donated £3m annually in charitable funding to support local and national charities through the NFU Mutual Charitable Trust and our Agency Giving Fund