Involved in an accident with an NFU Mutual customer?

We have a national network of Approved Repairers offering a wide range of benefits:

• Quick and efficient service
• Free collection and delivery of your vehicle
• Genuine parts used on all repairs
• Lifetime guarantee on repairs for as long as you own the vehicle
• No need for estimates
• Robust quality control programme
• Free wash and vacuum

If you use our network of Approved Repairers, they will be able to provide you with a free courtesy car for the duration of the repairs. If this does not meet your mobility needs, we can provide you with a replacement vehicle through one of our hire vehicle providers. We'll cover the insurance and you don't need to make any changes to your own policy.

A courtesy vehicle will always be provided for as long as it is reasonably required while the repairs to your vehicle are undertaken.

In some cases it may be more appropriate for us to consider a cash payment instead of providing a replacement vehicle. This decision will be based on your particular circumstances.

When the cost of the repairs is greater than the current market value of the vehicle, the vehicle is therefore beyond economic repair - this is also known as a total loss.

If your vehicle is considered beyond economic repair, we will calculate the vehicle's value and agree a settlement with you. If you would like to retain your damaged vehicle, and it is safe to do so, we will deduct the salvage value from any payment made. Alternatively, we can assist in the disposal of your vehicle for you. 

You have the option to use your own garage, if you wish. However, if you're unhappy with the service or the quality of repairs we won't be able to assist and, as we have no control over repairers who are not in our Approved Network, you would have to make your complaint to them directly. We are not liable for paying the cost of the repairs.

An estimate will also need to be submitted and approved before any work can go ahead, which could cause a delay in getting the car booked in and repairs underway. 

By claiming through us you will receive the benefits outlined above. Additionally, the Association of British Insurers (ABI) mandates that, as an innocent third party motorist, you are dealt with fairly, reasonably, and experience the same level of service that would be afforted to the at-fault insurer's own customers. Here is an extract from the  ABI's Third Party Claimaint Guide:

"Dealing directly with the other side’s insurer has a number of benefits. The claim is managed with as little
inconvenience to you as possible, and at no cost to you. People who deal directly with the other side’s insurer may
receive compensation faster when compared to those who choose to use legal representation. If an accident was
not your fault and you deal directly with the other side’s insurer, the insurer will also never take a portion of the
compensation you receive. Moreover, reducing unnecessary legal costs will help keep everyone’s insurance premiums down.

Dealing directly with the other side’s insurer also means that a free replacement vehicle can be provided to you, if
necessary, while you are without your own vehicle. This avoids you having to enter into a credit agreement with a
vehicle hire company, which you may need to do if you deal with your own insurer."

You may be approached by a Claims Management Company (which may be a solicitor) or a Credit Management Company (which may be a solicitor) or a Credit Hire Company.

You may find that you will have to pay fees to a Claims Management Company or that you are left to foot the bill for Credit Hire from your own pocket.

It is common for 'no win no fee' solicitors to make charges to you and/our deduct an amount from your damages when representing you for an injury claim.

You will pay no such fees and incur no such costs by claiming through us.