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The power of mutuality

As a mutual without shareholders, we are owned by and run for our members.

This means we deliver more than simply insurance; we make decisions based on the long-term interest of those members instead of focusing on short-term profit.

Protecting and enhancing the lives of our customers and rural communities is at the heart of everything we do.

Our mutuality is powerful, and there are a variety of benefits to being an NFU Mutual member.

Benefits of mutuality

Rewarding loyalty

For 25 years we have been rewarding our loyal General Insurance customers through Mutual Bonus, providing members with a saving on their renewal premium depending on how long they’ve been with us.

Our long-term financial stability meant that in 2023 we provided £244m of savings to members.

Local, personal service

Providing a first-class local, personal service is central to our organisation and is what our members want and expect. We do this is through our network of 280 agency offices and our UK-only call centres.

We believe it’s this focus that means 95% of our customers renewed with us in 2023* and why we continue to receive independent recognition, winning the Which? Insurance Brand of the Year in 2024 for yet another year.

Supporting our communities

We are committed to making a positive difference for our members, for farming, and for rural communities, pledging £3.25m to local and national charities in 2024.

The NFU Mutual Charitable Trust, our Agency Giving Fund, our support for the Farm Safety Foundation and our investment tackling rural crime are just some of the ways we help the communities we serve.

Please visit our Responsible Business Hub to find out more.

Paying claims

As a mutual, supporting our members and paying their claims comes first.

We've been providing quality insurance for over 110 years and will be there for you should the worst happen.

In 2023 we paid 97% of General Insurance claims totalling more than £1.3bn.**

Voting rights

As an NFU Mutual customer, you are also a member. This means you’re entitled to vote on resolutions that come before the AGM. Ahead of our AGM we write to members, providing information about our results and our progress, and where to learn more before you vote.

With-Profits uplift

As a mutual with no shareholders, eligible customers who invest in the With-Profits fund benefit from the success of the fund and its financial strength, reflecting the current and expected economic conditions.

Thanks to our financial strength, over £180m has been added to investments of eligible With-Profits customers through Mutual Investment Bonus over the past five years.

Mutual Investment Bonus is applied as an uplift to investments, representing a 1.5% increase in investments for 2023, and is in addition to the annual bonus provided to customers that receive one. We shared a £54m Mutual Investment Bonus with eligible With-Profits customers in 2023.

In 2024 it has been announced that Mutual Investment Bonus will be increased to 1.85%.

*Based on policy renewals for 2023

**Based on settled claims for 2023, excluding claims not pursued by the customer

Please remember the value of investments can rise or fall and you may get back less than you invested. Mutual Investment Bonus is reviewed annually and may increase or decrease in future years. Past performance is not a reliable indicator of future results.