Cover for housing and helping Ukrainian refugees

Wheat in crop field

How does my NFU Mutual insurance cover housing refugees and providing humanitarian aid?

NFU Mutual is supporting its customers and communities who are providing aid to Ukrainian refugees, both in the UK and Europe.

The NFU Mutual Charitable Trust has donated £150,000 to the Disasters Emergency Committee’s Ukraine Appeal, and NFU Mutual is divesting from all Russian holdings as soon as practically possible.

We recognise that many of our customers are also keen to help, whether that’s providing a home for Ukrainian refugees in the UK as part of the ‘Homes for Ukraine’ scheme or delivering humanitarian aid to Europe, so we have produced this guide on what is covered by your insurance.

Housing refugees

If you want to temporarily house refugees who have been displaced from a conflict as non-paying guests in your home, you do not need to tell us and your home insurance will remain the same.

You do not need to tell us for the first 12 months. After 12 months, if any refugees are still living with you, then let us know at your next renewal.

If you want to house refugees displaced from a conflict in your second home, guest home or rental property, your contract will likely remain the same but you should contact us with full details.

Using private vehicles to deliver humanitarian aid to Europe

If you have motor insurance with NFU Mutual for your car or van (up to 3.5 tonnes), then you can use it to deliver humanitarian aid to countries in the European Economic Area that border Ukraine. This includes Poland, Slovakia, Hungary and Romania as well as the countries directly en route.

Using commercial vehicles to deliver humanitarian aid to Europe

Customers with commercial vehicles that have comprehensive motor insurance in the UK will be granted comprehensive coverage at no additional cost for any cross-border journeys taken to the European Economic Area for humanitarian reasons.

Customers who plan to take a commercial vehicle on a humanitarian trip to Europe should speak to their agency or call Mutual Direct to inform us of their plans.

Volunteer driving in the UK

You can use your private vehicle to transport goods around the UK to help the humanitarian crisis unfolding in Ukraine. You do not need to inform us and you will be covered by your insurance.

Frequently Asked Questions