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Car insurance

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Insurance designed to keep you on the road

With motor insurance, you get what you pay for. This is especially true when it's time to make a claim. That’s why at NFU Mutual, we include a high level of cover as standard, with features that other insurers charge extra for, such as breakdown cover and Motor Legal Protection cover. Our Car Insurance cover has been rated 5 Star by Defaqto, a leading UK independent financial research company. We have also been named Which? Recommended Provider of 
Car Insurance for five years running. We not only represent value for money but we also pride ourselves on delivering a top class customer service. Our friendly, efficient claims team operate a 24 hour emergency helpline and will deal with your claim with a no-nonsense, no-quibble approach.

For full details of our Car Insurance cover including limits and exclusions, you can view our policy document here or contact your local branch who will be happy to explain the cover. Replacement of new cars up to 2 years old if yours is stolen or written-off and you are the owner of the vehicle - a whole year longer than many other insurers.

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NFU Mutual Car Insurance. What's included as standard?

Here's a small selection of the features and benefits included in an NFU Mutual Car Insurance policy.

Do I get 'no claims' discount?

  • Previous year no claims = 30%
  • 2 years = 40%
  • 3 years = 50%
  • 4 years = 60%
  • 5 years = 65%
  • 6 years = 66%
  • 7 years = 67%

Do I get a new car replacement?

Replacement of new cars up to 2 years old if yours is stolen or written-off and you are the owner of the vehicle - a whole year longer than many other insurers.

Do I get a courtesy car?

If your vehicle is stolen or written-off, NFU Mutual will give you a courtesy car for up to 14 days when you report the incident via our claims helpline.

No extra admin charges

No extra administration charges if you need to make any changes to your policy and no annual percentage rate (APR) charge to pay by Direct Debit.

Breakdown cover through RAC

RAC Roadside Assistance included as standard, no matter who’s driving your car. Or upgrade to include National Assist Road Rescue for just £19.99 per year or National plus Home Assist Road Rescue for only £34.99 per year including premium tax.

Motor Legal Protection Cover

Motor Legal Protection cover is included as standard, offering unlimited access to a personal legal advice telephone helpline and up to £100,000 of legal costs to support you in the event of a claim.

Take the time
to talk to us


The right cover can be more important than price. Give us a call and we'll help you sort out exactly what's needed.

Let's Talk