NFU Mutual Horse Insurance: Our Review

info on nfu

NFU Mutual has a background in providing specialist insurance to the farming community and the wider countryside, including horse insurance.

Several of NFU’s general insurance products hold a 5-star rating from Defaqto, the insurance product rating agency. As a Mutual, the NFU does not have shareholders to make profits. Instead, they have members who are their customers or policyholders.

Their mantra is to make a positive difference to farmers and the rural community, including tackling poverty and helping enable sustainable living. With regard to horse insurance and horse related products, NFU Mutual has a long-established association with providing cover in the sector.

NFU does not provide online quotes. They focus on speaking to their customer to provide tailored quotes either on the telephone or face to face meetings in one of their 300 nationwide branches.

Standard Policy Features: Comparisons With Other Providers

man riding a horse

The NFU, unlike other major equine insurers we have reviewed to date does not have an instant online quote form. For a firm quote, either a phone call or completing a quote request form needs completing.

Key policy features include public liability at £2.5 million and vet fees at £5 million. These maximum levels are in line with other insurers. Loss of use cover up to 80% of the value is also on par with other insurers.

The number of optional features at six is a little lower than an average of eight standard extras amongst the top insurance providers.

Legal costs up to £50,000 and holiday cancellation cover are excellent features that are not widely available elsewhere.

NFU Mutual – Further Thoughts about no Online Quotes

With no instant online quotes available, NFU Mutual play on their ability to personalise a policy through direct interaction with their customers; either on the telephone or face to face in one of their 300 branches nationwide. This approach contrasts markedly with other insurance providers who have an easy pick and mix online quote systems providing instant quotes.

Feedback from reviews indicates that communication with customers is an area of strength for NFU Mutual, including claim related issues. It is an indication that direct customer contact rather than an online relationship can be valuable.

Additional Horse-Related Cover from NFU Mutual

In addition to horse insurance, NFU Mutual offers a small suite of additional horse insurance products for its customers.

Horse Rider Insurance Insurance

This policy is for riders between 5 and 75 years old who do not own a horse. A central focus of coverage is for personal accident and third-party liability cover. Additional coverage included are vet fees cover up to £2,000 per-incident and £50,000 of legal cost cover if you need advice and representation.

Veteran Horse Insurance

Available for horses aged between 16 and 30 years inclusive, the standard cover includes death, theft and straying, rescue costs and legal protection. Additional cover options include public liability, personal accident and vet fees coverage.

Horsebox Insurance

Designed to protect a horse and owner when on the move, the NFU horsebox insurance provides the following essential protection:

  • Vehicle damage in case of accident, theft or fire
  • Public liability up to £5 million
  • Cover if your horsebox is stolen or written off
  • 24-hour helpline access

Customer Ratings and Feedback

NFU Mutual has a 2-star rating on Trustpilot. Positive reviews for equine insurance revolve around the speed at which the NFU deals directly with vets ensuring that claims payout promptly. Negative reviews have a consistent theme around the cost of cover.

Additional Information

The National Farmers Union Mutual Insurance Society Limited

Postal Address:

NFU Mutual,

Tiddington Road,


CV37 7BJ

Customer services: 01789 868 006

Opening times:

Monday to Friday: 9 am to 8 pm

Saturday: 9 am to 12.30 pm

Sunday: Closed