Discussion
Hi - I have heard some good things about NFU insurance (inc decent Which? magazine reviews.) Am happy to pay a ‘bit’ of a premium for decent cover, but am not made of money. Since there are no online quotes or comparison sites available, what is the PH opinion? Are the quotes you have received competitive (in terms of value, rather than being the cheapest necessarily) and is the service you get worth it, in terms of claims? Thanks in advance!
Ring any company ( try different numbers for economy, standard and premium clients ), press 1/2/3 etc for existing customers and see how long it takes to get through. . . . this will give you a decent idea of how many staff are financially viable to run that part of the business. . . you may be shocked at the difference between one company and another along with different derivatives of the same said company!
I've used them for over a decade. You can get cheaper, but nowhere near the same service level.
I swap cars (and drivers on each car) all the time and it only takes a quick phone call.
They also send a cover note out to the dealership whenever I buy an new one (within minutes of me asking).
So I would highly recommend them.
They may not be the cheapest (though they were for my Land Rover) but they are very good!
I swap cars (and drivers on each car) all the time and it only takes a quick phone call.
They also send a cover note out to the dealership whenever I buy an new one (within minutes of me asking).
So I would highly recommend them.
They may not be the cheapest (though they were for my Land Rover) but they are very good!
JulianPH said:
I've used them for over a decade. You can get cheaper, but nowhere near the same service level.
I swap cars (and drivers on each car) all the time and it only takes a quick phone call.
They also send a cover note out to the dealership whenever I buy an new one (within minutes of me asking).
So I would highly recommend them.
They may not be the cheapest (though they were for my Land Rover) but they are very good!
Other insurers allow online car changes.I swap cars (and drivers on each car) all the time and it only takes a quick phone call.
They also send a cover note out to the dealership whenever I buy an new one (within minutes of me asking).
So I would highly recommend them.
They may not be the cheapest (though they were for my Land Rover) but they are very good!
Why does the dealer need to know your insurance arrangements when changing car?
I've used NFU Mutual for many many years - business, home (including holiday) and car insurance (not classics). Very happy with their responsiveness, particularly with claims. Difficult to compare premiums just for car insurance as I get a discount for having so many policies and being an NFU member.
I have several new Porsches GTs and Ferraris insured with NFU their service as others have said is excellent furthermore they don't charge admin for change if vehicle unlike many others.
Worth going through your local office as opposed to the main NFU number they will give you a better deal.
Worth going through your local office as opposed to the main NFU number they will give you a better deal.
NFU are as good a premium provider as you can get. My experiences are a bit out of date but I’ve no doubt standards are still the same. Two examples:
I used to work in jewellery claims management. Most insurers wanted the world in terms of proof of ownership etc from customers, receipts/valuations/photos of items being worn. NFU just wanted to know value and would often cash settle.
After my experiences working with them I insured through them for 5 or so years. I broke a TV, only £500 or so, phoned and explained situation. They asked the model number, then offered to order a replacement to be sent to me or send cheque so I could upgrade. Hand written cheque received within a couple of days.
It’s a personal service and is worth every penny if/when major things go wrong. However my premiums got to £800 when I could go to high st for £200. That’s a TV a year!
I used to work in jewellery claims management. Most insurers wanted the world in terms of proof of ownership etc from customers, receipts/valuations/photos of items being worn. NFU just wanted to know value and would often cash settle.
After my experiences working with them I insured through them for 5 or so years. I broke a TV, only £500 or so, phoned and explained situation. They asked the model number, then offered to order a replacement to be sent to me or send cheque so I could upgrade. Hand written cheque received within a couple of days.
It’s a personal service and is worth every penny if/when major things go wrong. However my premiums got to £800 when I could go to high st for £200. That’s a TV a year!
Myself and a friend who lives in the same village are both insured with NFU Mutual.
We've each had a major buildings claim.
One of us had great service, the other a real fight.
It appeared that NFU had little to do with it - the difference in the way the claims were handled was down to the third party loss adjusters
that NFU instructed.
We've each had a major buildings claim.
One of us had great service, the other a real fight.
It appeared that NFU had little to do with it - the difference in the way the claims were handled was down to the third party loss adjusters
that NFU instructed.
Stella Tortoise said:
Why does the dealer need to know your insurance arrangements when changing car?
I actually asked this question to NFU and they told me there was no requirement whatsoever for them to see/know about your insurance arrangements.The dealerships that do this just happen to have their own insurance arrangements in place which they offer for free for 7 days.
Demanding proof of your insurance gives you some extra hassle and so many people just sign up for the free 7 day scheme there and then, then forget to cancel and it automatically turns into an annual policy from which the dealership earns a chunky commission.
This is why they do it.
JulianPH said:
I actually asked this question to NFU and they told me there was no requirement whatsoever for them to see/know about your insurance arrangements.
The dealerships that do this just happen to have their own insurance arrangements in place which they offer for free for 7 days.
Demanding proof of your insurance gives you some extra hassle and so many people just sign up for the free 7 day scheme there and then, then forget to cancel and it automatically turns into an annual policy from which the dealership earns a chunky commission.
This is why they do it.
I'm unconvinced.The dealerships that do this just happen to have their own insurance arrangements in place which they offer for free for 7 days.
Demanding proof of your insurance gives you some extra hassle and so many people just sign up for the free 7 day scheme there and then, then forget to cancel and it automatically turns into an annual policy from which the dealership earns a chunky commission.
This is why they do it.
I've never been asked to provide insurance details when buying a car and I have bought a lot of cars.
It's really no hassle these days, I can print or email my certificate from the insurers website in seconds.
Stella Tortoise said:
JulianPH said:
I actually asked this question to NFU and they told me there was no requirement whatsoever for them to see/know about your insurance arrangements.
The dealerships that do this just happen to have their own insurance arrangements in place which they offer for free for 7 days.
Demanding proof of your insurance gives you some extra hassle and so many people just sign up for the free 7 day scheme there and then, then forget to cancel and it automatically turns into an annual policy from which the dealership earns a chunky commission.
This is why they do it.
I'm unconvinced.The dealerships that do this just happen to have their own insurance arrangements in place which they offer for free for 7 days.
Demanding proof of your insurance gives you some extra hassle and so many people just sign up for the free 7 day scheme there and then, then forget to cancel and it automatically turns into an annual policy from which the dealership earns a chunky commission.
This is why they do it.
I've never been asked to provide insurance details when buying a car and I have bought a lot of cars.
It's really no hassle these days, I can print or email my certificate from the insurers website in seconds.
Both times the dealership insisted on seeing a valid insurance certificate before we could drive away and on both occasions they tried to force their own insurance on me with a 7 day free period.
I'm not sure if it only the big national main dealerships that do this, but this was my very recent experience (hence me asking the question to NFU).
JulianPH said:
In the last few months I have bought a Mercedes and a Range Rover, both from main dealerships.
Both times the dealership insisted on seeing a valid insurance certificate before we could drive away and on both occasions they tried to force their own insurance on me with a 7 day free period.
I'm not sure if it only the big national main dealerships that do this, but this was my very recent experience (hence me asking the question to NFU).
I also have bought two cars in the last 12 months (BMW) and not been asked for insurance, there is no requirement for the dealer to do so.Both times the dealership insisted on seeing a valid insurance certificate before we could drive away and on both occasions they tried to force their own insurance on me with a 7 day free period.
I'm not sure if it only the big national main dealerships that do this, but this was my very recent experience (hence me asking the question to NFU).
I guess that they might be trying for a cross sale for car insurance but I doubt that 7 day drive away insurance cover is a big earner for them.
Maybe you just got unlucky?
It's common for dealerships to ask for evidence of insurance as part of the car sale process - and it's a right pain in the proverbial to have to issue an old-fashioned temporary cover note when a client asks for one to that end (even if not really necessary).
Partly it's also the dealership often offering to also sort out the tax on the new vehicle for the buyer prior to pick-up, and although it's true that the Motor Insurance Database allows the Post/Tax Office to check online for insurance (assuming the Insurer updates the MID immediately as they should), many still feel more comfortable in using the physical cover note they are used to seeing.
Partly it's also the dealership often offering to also sort out the tax on the new vehicle for the buyer prior to pick-up, and although it's true that the Motor Insurance Database allows the Post/Tax Office to check online for insurance (assuming the Insurer updates the MID immediately as they should), many still feel more comfortable in using the physical cover note they are used to seeing.
Re: NFU, they are much like any other insurer - some good, some bad. They will all trumpet what makes them better than the rest.
Where they do stand-out is in service levels locally (they tend to have a good local presence in terms of bricks & mortar offices, particularly in more rural areas), and also by virtue of their Mutual status - being run for the benefit of their members means they can return a year-end Mutual Bonus to their Policyholders (conditional upon renewing with them again - and typically 12.5% of the prior year's premium, or more).
Where they do stand-out is in service levels locally (they tend to have a good local presence in terms of bricks & mortar offices, particularly in more rural areas), and also by virtue of their Mutual status - being run for the benefit of their members means they can return a year-end Mutual Bonus to their Policyholders (conditional upon renewing with them again - and typically 12.5% of the prior year's premium, or more).
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