Phone lines closed

Call today: Closed

Monday: 8:30 am - 8:00 pm

Tuesday: 8:30 am - 8:00 pm

Wednesday: 8:30 am - 8:00 pm

Thursday: 8:30 am - 8:00 pm

Friday: 8:30 am - 8:00 pm

Saturday: 9:00 am - 12:30 pm

North Lakes - Penrith

Agriculture House, Cromwell Road, Penrith, CA11 7JW

Visit today: Closed

Monday: 8:30 am - 5:00 pm

Tuesday: 8:30 am - 5:00 pm

Wednesday: 8:30 am - 5:00 pm

Thursday: 8:30 am - 5:00 pm

Friday: 8:30 am - 5:00 pm

Saturday: Closed


Welcome to NFU Mutual North Lakes. Our Penrith office works closely with our partner office in Cockermouth to provide customers with a personal, professional and down to earth approach on your insurance, pension and investment requirements across the North Lakes, West Cumbria and beyond.

Our team offer a combined service which means customers will have access to vast local knowledge, a wealth of experience and a commitment to providing high quality products and service.

We currently offer a wide range of services and products for our personal insurance customers, as well as our farming and commercial clients – particularly those in the hospitality, food and drink manufacturing, retail, property and estates sectors. We can also arrange risk management services from NFU Mutual Risk Management Services Ltd, including up to date advice on health and safety matters.

You will always receive a warm welcome at both of our offices, where our staff provide face to face service and friendly, expert assistance. We take the time to find out your individual needs so we can tailor cover to suit you.

We’ll take the time to get to know you so that we fully understand your needs, drop into either office to find out more about how we can support you, your family or your business:

Penrith – Agriculture House, Cromwell Road, Penrith, Cumbria, CA11 7JW
Cockermouth – Unit 2A, Lakeland Business Park, Cockermouth, Cumbria, CA13 0QT

NFU Mutual

David Jones

David Jones Dip CII

Agent & NFU Group Secretary

David joined NFU Mutual in 1986 straight after leaving 6th Form at Penrith’s Queen Elizabeth Grammar School.  Having “cut his teeth” in insurance as a commercial underwriter he then moved into sales and became an NFU Mutual Agent in 1997, specialising in all agricultural and commercial insurances.

Outside of work David enjoys walking around our beautiful lake district, “running” (he uses this term in its loosest sense, as the mind is willing, but the body more often than not lets him down these days!), having the odd “day at the races” as well as supporting his wife and daughters in their various equine pursuits.

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Jim Cosker

Jim Cosker BA (Hons), Cert CII

Agent & NFU Group Secretary

Jim has been an NFU Mutual Agent since 1999 based predominantly at the Cockermouth office and serving West Cumbria.  He deals with all areas of business, agricultural and commercial insurances.

Outside of work he loves getting out and about on his motorbike which includes touring in Britain and Europe (favourite locations are the Swiss Alps and the Black Forest). He also enjoys trips with the family in his motorhome.

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Martyn Jeal

Martyn Jeal

Agent & NFU Group Secretary

Martyn has been an agent with NFU Mutual for nearly 30 years, he has a great deal of experience in agricultural insurance and can help you with any farm or commercial insurance enquiries you might have. Martyn’s love of agriculture started from a young age during visits to his grandparents’ dairy farm in Southern Ireland. Following school, he studied at Askham Bryan Agricultural College, then had a couple of sales roles before becoming an agent for NFU Mutual in 1991. 


When not working Martyn loves sport, his many sporting interests now involve watching events as much as taking part in them, his last game of rugby being played back in 2018 which took him weeks to recover from. He’s an avid Leeds United fan. Martyn is hoping to fulfil one of the many things he has on his bucket list in 2021 by following the British and Irish Lions on their tour to South Africa.  Martyn still enjoys open water swimming and has competed in a few challenges around the country, tennis, cycling with his biggest challenge to date completing the coast to coast in a day, skiing and any other sport that his body will let him do.

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Catherine Mortimer

Catherine Mortimer

Agent & NFU Group Secretary

Catherine joined the Penrith Agency back in 2010 as a Sales Executive having come from a background in the Hospitality sector. After completing numerous exams, she became an agent in December 2012 and an NFU Group Secretary in the summer of 2016. Catherine has a wealth of knowledge and specialises in the agricultural and commercial insurances.

 In her spare time Catherine is kept busy with her family and enjoys walking the fells close to her home. She has also recently taken up open water swimming. When she’s not on a fell or in a lake she likes to support her husband with his business as a wine merchant!!

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Stephanie Harper BA (Hons), Cert CII

Agency Manager

Stephanie joined the Penrith Agency as a Customer Service Adviser in 2012 after leaving university and has worked in all areas of the business, including Claims before becoming the Agency Manager when we merged with Cockermouth Agency in 2017. She now works over both offices supervising the day to day running of the team, providing training and ensuring we provide the best service for our customers.

When not in work, Stephanie enjoys exploring new hotels, restaurants and shopping.

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Kara Jenkinson

Financial Services Coordinator & Sales Associate

Joining the team in 2016, Kara is our Financial Services Coordinator and Sales associate. Kara not only works closely with NFU Mutual’s Financial Advisers. She is also available to visit your premises and discuss your insurance needs or requirements for your family as well as your business. Kara can also provide information about our risk management services to assist with health & safety requirements and risk reduction.

Kara is our very own social butterfly in her spare time Kara enjoys spending time with her friends and family, sampling gins or enjoying a gourmet meal.

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Katherine Bird

Sales Associate

Joining the team in 2008, Katherine has a wealth of knowledge in the full range of products, specialising in farm and commercial insurances, arranging quotations for prospective clients and reviewing cover with existing customers. 

In addition to contact over the telephone Katherine can come and visit you to discuss the extent of our product offering and provide bespoke proposals to suit your individual requirements.

When Katherine gets a minute away from work, she will be found spending time with her beautiful daughter and family. Katherine also enjoys being out walking and making the most of the stunning lake district which she is so fortunate to have on her doorstep.

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Holly Bennett Cert CII

Claims Supervisor

Holly joined the team in November 2012 as an Apprentice Customer Service Adviser. Now a Claims Supervisor Holly is on hand to answer all your claims queries and ensure claims are progressed smoothly. Holly also assists with all areas of motor, personal and equine insurances.

 Holly spends her spare time with her family or sinking into a new book.

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Kerry Richardson

Claims Supervisor

Kerry joined the team in 1997 as a Customer Service Adviser and has since became a Claims Supervisor. She has considerable experience in being able to assist existing customers with all their personal requirements and can also provide quotes for horse & rider, home & lifestyle and motor policies. She handles all types of claims for policyholders and ensures they are dealt with in the best way for customers.

In Kerry’s spare time you will find her out walking, with her family or supporting her other true love; Carlisle Utd FC.

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Linda Auld Cert CII

Customer Service Adviser

Linda, who originally comes from Co Armagh, Northern Ireland, worked in the banking sector for over 20 years and joined us in January 2012. She deals with NFU Mutual motor, personal, small commercial and equine insurance.

Linda enjoys fell walking and exercising her dog.  

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Hannah McCulloch

Customer Service Adviser

Joining the team in January 2020, when Hannah isn’t trying to be creative on all things marketing and social media you will find her dealing with all motor and personal queries including quotations and changes to existing business.

Outside of work Hannah has a real passion for travel, be it sun, snow or city breaks she rarely turns down the opportunity of a holiday. When not looking or dreaming of holidays Hannah loves to be skiing, horse riding and with her family and friends. Don’t be surprised if she isn’t trying to do a combination of them all.

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Samantha Collins

Customer Service Adviser

Sam joined the team in May 2018 and has since gained all personal, farming and commercial licenses, meaning she is on hand to help with any new quotes, existing policy changes and queries that you have. Although Sam isn’t originally from a farming background, she has recently moved onto a beef & sheep farm where she is learning new things every day at her new home.

Sam is expecting her first baby in 2021 and is looking forward to returning to the agency in 2022.

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Rosie Whitton

Customer Service Adviser

Rosie joined the team in 2004. Rosie is on hand to deal with quotations or queries for new and existing motor, equine and personal policies. Rosie, otherwise known as Rozza by the team, is not just an insurance expert she is the accounts guru, she can solve almost any accounts problem the team or policyholder might have.

On her days off Rosie enjoys nothing more than spending time with her two boys, conquering the fells of Cumbria and delving into a good TV series.

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Antinea Erriu

Customer Service Adviser

March 2013 saw Antinea join our team. Antinea works closely with our agent, Catherine, ensuring the highest level of customer service is provided to all clients. Antinea holds all her motor and personal licenses allowing her to be able to provide quotations as well as help deal with any queries or changes for both new and existing customers.

Outside of work Antinea enjoys sharing her knowledge and experience of her native italian language. When Antinea isn’t teaching italian, you will find her head in a book, out walking, practicing yoga or more recently running.

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Jack Ritson

Customer Service Adviser

Jack joined the Penrith agency in February 2020 from a background in banking and finance. He deals with all motor and personal policies, as well as commercial insurance for small businesses in the local area.

On the weekend you’ll find him binge watching a Netflix series, reading a crime novel or drinking wine over an antipasti board. He has a passion for food, travel, mountain climbing and loves spending time with friends and family.

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Rebecca Elliott

Customer Service Adviser

Rebecca joined the team in November 2018 and has since been dealing with all new and existing motor policies. She provides a high level of customer service to assist in servicing large clients in the local area.

 Having returned from maternity leave in 2020, Rebecca enjoys spending time with her family and friends and loves a glass or two of prosecco when she gets a minute!

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Sophie Jones

Customer Service Adviser

Sophie joined the team in October 2017 as an apprentice and one year on became a full-time employee of the agency. Sophie is licensed in all motor and personal polices to help with new business and changes to existing business.

 In her spare time, she loves being round her horses, friends and family and spending far too much money on her pride and joy – her car.

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Franky Mckinnel

Administration Assistant

Joining the team in June 2019, Franky works closely with the agents supporting them with all policy administration, including making appointments, processing and dispatching renewal document, and making any necessary changes to clients’ existing policies and records. She has the job of keeping everyone organised and ensuring that everyone is provided with the relevant information in a timely manner to ensure the highest level of service is provided.

Franky is the agency’s very own juke box and DJ keeping the team uplifted with her choice in music. Having just purchased her own house Franky is proving to be a budding interior designer and demolition expert outside of work.

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Alan Hodgson

Financial Adviser

Alan joined NFU Mutual in 2014 and has 10 years' experience working in the financial services industry. Based between both offices and available for home visits to discuss any aspect of your financial planning needs such as investments, pensions or life assurance. Please contact the office to arrange an appointment.

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