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5 Star rated car insurance

Our Car Insurance has been rated 5 Star by independent financial research company Defaqto

NFU Mutual Car Insurance provides one of the most comprehensive policies in the market as indicated by a Defaqto 5 Star Rating.

We're also a Which? Recommended Provider for car insurance and are a Gold Winner of Best Insurance cover in the Auto Express Driver Power 2017 Insurance and Breakdown Survey.


Have a real conversation about how we can help keep you and your car on the road, find your local office

More cover as standard

  • No excess to pay or reduction in no claims discount if the driver of your car is involved in an accident caused by an uninsured driver*
  • RAC roadside assistance if you breakdown in the UK, when you’re more than ¼ mile from your home and the total recovery distance is less than 20 miles
  • 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
  • Small courtesy car in the UK for the duration of repairs carried out by our approved repairers; or up to 14 days if yours is written off or stolen
  • Motor Legal Protection - giving you access to legal advice and covering legal costs up to £100,000
  • The same level of cover while driving in most European countries

*If you’re involved in an accident caused by an uninsured driver, to maintain your no claims discount and not pay an excess, you must be able to provide the details as outlined in the policy reference booklet.

We can explain what limits and exclusions apply, so you can ensure the cover is right for you – or take a look at our policy reference booklet for more details.