NFU MUTUAL

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Company details
Full Company Name: The National Farmers Union

Mutual Insurance Society Limited. ("NFU Mutual")

Company No.: 111982
Status: Insurer
Registered in: England
Registered Office: Tiddington Road, Stratford upon
Avon, Warwickshire, CV37 7BJ
Telephone: 01789 204211
Fax: 01789 298992

The beginning
In 1910, seven farmers from the Midlands launched a scheme to entice
new members to the Farmers' Union, by offering insurance at a cost price.
Soon, NFU Mutual became an integral part of the British countryside,
instrumental in promoting the community's collective prosperity.
At the end of the last century, NFU Mutual began insuring individuals
and businesses outside the farming industry. This expansion has seen our
growth accelerate and now makes us one of the country's leading insurers.
Their values now underpin our product range, from investments and
pensions, to life assurance and risk management, which is provided by NFU
Mutual Risk Management Services Limited.
With over 300 local branches nationwide, they're big on local presence.
NFU Mutual is a national insurer with over 900,000 customers, but it's
how we interact with you that sets us apart.

I. NFU Mutuals INSURANCE PRODUCTS

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FARM INSURANCE
VINTAGE TRACTOR INSURANCE
ESTATE INSURANCE
LIGHT GOODS VEHICLE INSURANCE
COMMERCIAL VEHICLE INSURANCE
HOME INSURANCE
MOTOR INSURANCE
CARAVAN INSURANCE
EQUINE INSURANCE
DOG & CAT INSURANCE

1. Farm insurance features

NFU Mutual's farm insurance offers many features and benefits to help protect
your business whether you are a farmer or grower. The following features are just a
few examples, if you want more information please view the full policy document:
Livestock cover - We can offer you livestock cover for diseases such as TB, Foot

and Mouth and Brucellosis

Buildings and equipment cover - We aim to provide the cover you need for your
farming business, buildings, stock, machinery, vehicles and other essential
equipment
Public liability cover - Up to 5 million Public and Product Liability and up to 10
million Employers' Liability cover as standard (subject to a minimum 100 excess
for third party property damage claims)
Environmental liability cover as standard - New Environmental Liability
Regulations mean you are liable for clean up costs if you accidentally contaminate
the soil or water on your property or the surrounding land - thats why we cover you
as standard, up to a limit of 2 million.

Agricultural Vehicle insurance features

NFU Mutual's agricultural vehicle insurance offers many
features and benefits to help protect your agricultural machinery.
Comprehensive trailer cover They offer cover for trailers
and implements up to 500,000 as standard (horse and livestock
trailers are excluded).
Goods cover - They'll give you up to 1,000 cover for goods
carried in your agricultural vehicle or trailer

2. Vintage tractor and agricultural vehicle insurance

features
NFU Mutual's vintage agricultural vehicle insurance offers
many features and benefits to help protect your restored tractor.
Damage or loss cover - we will cover damage or loss to your
vehicle, including spare parts and accessories
Unrestricted mileage cover - we offer unrestricted mileage on
your vintage agricultural vehicle
Other driver cover - we will cover any other licensed driver to
drive your vintage agricultural vehicle
Goods cover - we'll give you up to 1000 cover for goods
carried in your agricultural vehicle or trailer

4. Light goods vehicle insurance features

NFU Mutual's light goods vehicle insurance offers many features and
benefits to help protect your pick-up or light van.
Work tools cover - up to 500 to replace any tools in the vehicle, provided

the vehicle was locked at the time of the loss

Courtesy vehicle - for up to consecutive 14 days, if your vehicle is stolen or
damaged beyond economic repair and the claim is reported
Vehicle replacement - if your vehicle is stolen and not recovered or
damaged (so that repairs cost more than 60% of a new vehicle) and is less
than 12 months old, we will pay for a new replacement vehicle
Standard excess - A standard 50 accidental damage and 100 theft excess
apply.

5. Commercial vehicle insurance features

NFU Mutual's commercial vehicle insurance offers many
features and benefits to help protect your business vehicles.
Trailer cover - we can provide you with third party or

comprehensive cover for any trailer you usually tow with your
articulated vehicle
Third party injury cover - there is no limit to the maximum
amount we will pay for a claim involving personal injury to a
third party (including passengers)
Standard excess - A standard 50 accidental damage and 100
theft excess apply

6. HOME INSURANCE
When you buy home insurance you should feel relaxed that your choice
covers everything you love most. And you can rest even easier knowing that
they are delivering a wide range of features, benefits and quality cover, such
as:
Standard Home Insurance
High Value Home Insurance - designed for those with higher value homes
and contents over 100,000, which may include fine art. You can also
protect additional UK based properties if you own more than one property.
You can choose the elements that are important to you from our extensive
range of features and benefits and our maximum compulsory excess is just
250 for any claim.
Flooding - Flood Re is a not-for-profit scheme set up by insurers and
government which ensures that people living in areas with a high flood risk
have access to affordable property insurance

7. MOTOR INSURANCE
At NFU Mutual, they dont just provide insurance, they offer people who
drive cars, motorhomes and 4x4s the chance to receive a first class service,
accompanied by comprehensive insurance cover.
You may want cheaper car insurance but it is important to know what you
are getting for your money. The cover offered by different car insurers can
vary, so before making a decision based only on price it's best to look and
compare what the policy is actually giving you.

CAR INSURANCE
NFU Mutual coverage comes with features as standard that other insurers
charge extra for, such as Motor Legal Protection cover. Here's a small
selection of the features and benefits included in an NFU Mutual Car
Insurance policy:
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.
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 administration charges if you need to make any changes to your
policy.

8. CARAVAN INSURANCE
NFU Mutual has been looking after caravaners and their vehicles for
decades, so it know what's needed from a caravan insurance policy. Here's a
small selection of the features and benefits included in an NFU Mutual Home
and Lifestyle policy covering caravans:
Extended cover It offers 12 weeks cover per year for travel within most
European countries
Replacement caravan It offers a comprehensive 'new for old cover' for
touring caravans up to five years old, if your caravan is a write-off and
provided the sum insured is adequate to cover the cost of a new caravan of
the same make and model
Awnings storm damage cover - It offers will pay up to 1,000 for storm
damage to awnings.
You also have the option to insure your personal belongings up to the
value of 1,000, if they are not already covered.

MOTORHOME INSURANCE
At NFU Mutual, they can protect your home away from home, giving
you the freedom to travel and make new memories whilst still being
surrounded by the memories youve made along the way. No matter where
your journey takes you, NFU Mutual is the right place to come for a
comprehensive policy that is flexible and designed to suit all your travel
needs.
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.
When you use one of their approved companies, they'll guarantee their
repairs for three years.

9. EQUINE INSURANCE
NFU Mutual understands that no two horses are alike - which is why
their horse insurance cover can be as individual as your horse.
NFU Mutuals Horse and Rider Insurance policy allows the flexibility to
tailor cover to suit your personal needs whether you need to insure a veteran
horse, include your horse trailer or just require personal rider insurance.
Horseboxes can be insured under a separate motor policy.
A horse can be a large financial investment and it's important to have the
right insurance in place should anything happen. Sometimes the type of cover
is more important than the price.

Horse insurance features

NFU Mutual's Horse and Rider insurance offers many features and benefits
to protect your horse, there is an option to include personal liability. The
following features are just a few examples, if you want more information please
view the full policy document:
Vet fees cover* - up to 5,000 per incident (age 30 days to 19 years)
Death, theft or straying cover* - if your animal dies or goes missing (age 30

days to 19 years)
Personal liability cover - up to 2.5 million, which can be increased up to 10
million on request
*they will not provide cover for an illness or disease which appears during the
first 14 days of this cover, unless there has been previous continuous equivalent
insurance.

Horse rider insurance features

NFU Mutual's Horse Rider insurance offers a package of covers to
protect you as a rider, including your personal liability. Horse Rider insurance
is designed to offer riders of all ages (5-75 years) who do not own a horse the
very best in personal protection; whether you ride occasionally, or on a regular
basis. The following features are just a few examples:
Personal liability cover - up to 2.5 million, which can be increased up to
10 million on request
Vet fees cover - up to 2000 for vet fees following an accident to any horse
you borrow (standard excess of 145)
Personal accident cover - for injuries resulting from riding accidents
covered by our policy for riders under 75

Horsebox insurance features

NFU Mutual's motor insurance offers many features and benefits to
protect your horsebox. It realizes that your horsebox is more than just a means
of transporting your horse. That's why NFU Mutual horsebox insurance has
been developed with our needs in mind:
Horse Road Rescue Service - our specialist optional Horsebox Road

Rescue Service can arrange emergency transport and stabling of horses for
up to 15 per horse per night (up to 2 nights stay)

Veteran horse insurance features

NFU Mutual realizes that the needs of veteran horses and their owners are
different, which is why we offer veteran horse cover specifically for animals
aged 20 years or over. The cover for loss of animal and vet's fees for veteran
horses only applies if there is an accidental, external, visible injury involving a
skin wound or fracture and excludes tendon or ligament strains or sprains.
Vet's fees - up to 3000 vets fees cover for accidental, external injury (145
excess applies)
Personal liability cover - optional personal liability cover of 2.5 million,
which can be increased up to 10 million on request
Equipment cover - for theft or damage to your tack and saddles (50
excess), items over 500 need to be specified; horse-drawn vehicles and
horse trailers can also be covered

10. DOG & CAT INSURANCE

NFU Mutual is an expert in looking after the needs of animals and their
owners. After all, the rural community have always been enthusiastic pet
owners.
When your dog or cat becomes ill or has an accident, the last thing you
want to worry about is your vet's bills.
NFU Mutuals dog insurance and cat insurance is designed to cover our
vet's fees and rescue costs, as well as insure for the loss of your pet, should
that be the unfortunate case.

Dog & cat insurance features

NFU Mutual's dog and cat insurance offers many features and
benefits to protect your cherished pet.
Vet's fees cover - paid for following an accident, illness or disease
(illness or disease must appear after the first 14 days from the start of
your policy)
Alternative treatment cover - alternative treatment such as homeopathy
or acupuncture is paid for if recommended by your vet (treatment
relating to any disease preventable by vaccination is excluded)
Legal costs - cover for any costs you legally have to pay relating to the
professional rescue of your dog or cat up to 750.
NFU Mutual dog and cat insurance is only available to policyholders
insuring their home contents with us.

II. NFU Mutual's LIFE COVER PRODUCTS

Family Protection
Mortgage Temporary Assurance
Critical illness cover
Inheritance tax planning

1. Family protection - Reassurance for you and your

family
We insure our cars, even our phones. Yet protecting our families is often
overlooked. Accidents, illness and death can happen to anyone, at any age. When the
unexpected occurs the last thing your family should worry about is money. Make
provisions for a lump to be available to your family when they need it most.
Look after your dependants with temporary assurance:
Level temporary assurance - The policy pays out a lump sum which can be paid
direct to your dependants should you die, to help them pay off outstanding debts,
meet childcare and education costs, or invest to produce an income.
Mortgage temporary assurance - This policy pays out a lump sum to the owner of
the policy, should you die during the term of your repayment mortgage.
Level temporary assurance with critical illness - This policy pays out a lump sum
if you die or are diagnosed with a life changing illness which is specified in your
policy.
Mortgage temporary assurance with critical illness - This policy pays out a lump
sum if you die or are diagnosed with a life changing illness which is specified in
your policy during the term of your repayment mortgage.

2. Mortgage Temporary Assurance

A Mortgage Temporary Assurance with decreasing cover is an affordable way to help
your family continue to live in the family home, without worrying about the mortgage
payments under a repayment mortgage, should the worst happen. For an interest only
mortgage, you should select a level amount of cover to match your mortgage loan.
Repaying your mortgage in the event of your death:
NFU Mutuals monthly payment pays the interest due on a repayment mortgage, plus part
of the outstanding capital balance.
Your lender will calculate the payments so that the mortgage will be paid off at the end of
the term.
A Mortgage Temporary Assurance pays out a lump sum if you die during the policy term.
The initial level of cover will be the same as the amount of your outstanding capital and
interest (repayment) mortgage.
The amount of cover reduces each month to reflect the lower amount outstanding on your
mortgage.
The reduction is not based on your own mortgage. If your mortgage interest rates
increase at any time, the cover might not be enough to repay the whole of your mortgage.

3. Critical illness cover

Steady improvements in medical techniques are keeping us alive when
once we would have died. So, more than ever, we need to make provision for
the consequences of serious illness.
A Critical Illness Policy is there to reduce the financial burden on you
and your family, should you become one of thousands of people who every
year experience serious conditions such as cancer and heart attack, providing
this is specified in your cover.
You can include Critical illness cover with your mortgage temporary
assurance policy which means that it would pay out in the event of death or a
specified critical illness.

III. Retirement
The world of retirement has changed considerably over the past few
decades. Compared to previous generations, we all expect much more from
life after work. We want to travel the world, see exotic new places, take the
family out and about, pursue hobbies or take up new ones.
The sooner you start planning for the future, the more opportunity you
have to build up the funds you'll need to enjoy the life you want.
There are lots of different ways to save for your future, including
pensions, investments and property. You might decide to focus on just one, or
you could choose a combination of options to suit your own personal
requirements.