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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, like 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 for Car Insurance for the twelfth time in a row. 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. New car replacement if your vehicle is less than 2 years old from the date of first registration, is a UK specified model and is damaged beyond economical repair.

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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?

New car replacement if your vehicle is less than 2 years old from the date of first registration, is a UK specified model and damaged beyond economical repair.

Do I get a courtesy car?

A courtesy car is provided for the duration of repairs (subject to one being available) at no extra cost, if your car is repairable, you report the accident on our claims helpline and you use one of our approved repairers.

No extra admin charges

No extra administration charges if you need to make any changes to your policy.

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