NFU Mutual or the National Farmers Union Mutual Insurance Society Limited, located in UK is a mutual insurance company owned by the insurance holders rather than the shareholders in this case. It is based in Stratford-upon-Avon, Warwickshire and is closely associated with the NFU (National Farmers Union).

This insurance society provides insurance within UK; its services include property insurance, car insurance, liability insurance as well as pensions, annuities and investments. They have received many awards and are very popular in rural areas for their services.

Although it uses the telephone call centre, this institution still relies mainly on direct sales with a work force located in 300 offices spread around UK. They use this direct sales strategy of their as a positive marketing campaign relying on this trademark quality they provide.

NFU Mutual was founded in 1910 by 7 local farmers with the idea of helping farmers in their problems. It initially started with a small capital of £190, in order to provide benefit to farmers in joining NFU, which was founded 2 years earlier. Cheap insurance cover was the main factor of early growth of NFU and NFU Mutual.

Initially it started on a local level and it provided services to the local farmers only. It is only recently that it has spread its market and moved from its agricultural base to the wider market of UK.

Auto Express magazine has been naming NFU Mutual as the best car insurance provider in UK for the previous three years on a row now. However we believe we do not know if any one is better than the other.

Although customer reviews do say a lot on their services. A survey conducted by Express magazine comparing NFU and 50 other car insurance providers concluded that NFU topped all categories including communication, interaction, value for money and overall performance.

However other public surveys have also given the names of ‘Swift cover’ and ‘Kwik Fit’ as the top scorers in the comparison website poll. So it can be difficult to know who to trust.

Of course people trust and like the insurer they believe to be the best one for them often without even having an idea of what others are offering. However people nowadays tend to move to other insurers as companies do not offer much on renewals, as they offer to lure new customers into taking their policy.

Comparison websites are the best way to check on different offers and decide on the best one. But do not fall in for a cheap policy, always compare the features and assess on the performance and the cover options provided to you in the policy.

If finding a policy that saves you money is your priority then wait and consider the other options that can be availed to receive true value of your money. Many insurance companies offer discount on annual payments as compared to monthly payments, taking a Pass Plus course, installing security gadgets in your car to enhance security, limiting drivers on your insurance and limiting mileage can result in a cheaper more effective policy.