Our Terms and Conditions

Please read these terms and conditions carefully before using the website

Who we are

This site consists of the following domains:

• NFU Mutual website, nfumutual.co.uk;
• Online portal, account.nfumutual.co.uk, and self-service account, managepolicy.nfumutual.co.uk & quoteandbuy.nfumutual.co.uk, (the “Online Account”)

(collectively referred to as the “Website”).

The Website is operated by The National Farmers Union Mutual Insurance Society Limited ("we", “us” or "our"). We are registered in England and Wales under company number 111982 and have our registered office at Tiddington Road, Stratford upon Avon, Warwickshire CV37 7BJ. Please see the "How to contact us" section at the end of these terms for our contact details. 
 
We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are a member of the Association of British Insurers. 

You as a Customer

As a customer of ours, you may have purchased an insurance policy using one of two routes, either directly from us via our contact centre (“Mutual Direct”) or through one of our local agencies who are our authorised representatives permitted to sell our products and services (each a “Local Agency”). As the owners of this Website we (and not your Local Agency) are responsible to you for the operation of the Website. If you have any queries about the content on the Website or any digital related issues such as access to the Online Account registration, or password resets please contact our Digital Support Team on 0808 123 1234.

If you have a query in relation to your policy, you will be asked to follow a different contact route depending on whether you purchased your policy through Mutual Direct or through a Local Agency. See How to contact us section below.  

How to contact us

Insurance Policies purchased via Mutual Direct

If you have a query about your policy and your policy was purchased directly from us via Mutual Direct, then please get in touch via our contact forms: Contact us | NFU Mutual  or call us on 0808 123 1234.

Insurance Policies purchased via a local agency  

If you have a query about your policy and you purchased your policy through a Local Agency, please contact your local agency directly whose contact details can be found here: find your local agency office

Please note that when you use the Online Account, you will automatically be presented with the contact details for where you bought your policy and where your policy is managed (either your Local Agency or Mutual Direct). Therefore, if you have a query relating to your policy while using the Online Account, you will be able to easily find the contact details for where you bought your policy, so that you can get in touch. 

By using our Website you accept these terms 

By using our Website, you confirm that you accept these terms of use and that you agree to comply with them. 

If you do not agree to these terms, you must not use our Website. 

There are other terms that may apply to you 

These terms of use refer to the following additional terms, which also apply to your use of our Website: 

• Our Privacy Policy.  See further under 'how we will use your personal information'.
• Our Cookie Policy which sets out information about the cookies on our Website. 

If you purchase products from our Website, other terms and conditions will apply to the sales, as communicated to you during the sales process.   

Our Website is directed to people based in the UK

You may use our Website outside of the United Kingdom, however we do not represent that content available on or through our Website is appropriate for use or available in other locations We only provide products and services advertised on this Website in the United Kingdom, Channel Islands and the Isle of Man. 

You must keep your Online Account details safe 

If you choose, or you are provided with, a user identification code, password, or any other piece of information as part of our security procedures, you must treat such information as confidential and keep it secure. You must not disclose it to any third party. 

It is your responsibility to maintain the security of the email account which you use to register for the Online Account, to protect the confidentiality and security of any information which NFUM Mutual communicates to you via the email address provided.  

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.  

If you know or suspect that anyone other than you knows your user identification code or password, you should change your password immediately and notify us by calling 0808 123 1234. 

Conditions of use 

We take security seriously and have taken steps to ensure the security of our Website. However, we do not guarantee that our Website will be secure or free from bugs or viruses or that our Website, or any content on it, will always be accurate, available, uninterrupted or fit for purpose.

You are responsible for configuring your information technology, computer programmes and platform to access our Website. You should use your own virus protection software.  

You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website, the server on which our Website is stored, or any server, computer or database connected to our Website. You must not attack our Website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website will cease immediately.  

You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping activity in relation to our Website or any services provided in relation to our Website for any purpose, or otherwise exploit, extract, publish, distribute, or reproduce any part of our Website. You may not use bots or other electronic automatons to interact with our Website. 

We may suspend or withdraw our Website 

Failure by you to comply with these terms and conditions may result in our taking one or more of the following actions: 

• issuing a warning to you;
• immediate, temporary or permanent withdrawal of your right to use the Website;  
• immediate, temporary or permanent removal of any material uploaded by you to your Online Account; and/or 
  taking legal action against you.

We may suspend or withdraw or restrict the availability of all or any part of our Website for business, security and/or operational reasons. We will try to give you reasonable notice of any suspension or withdrawal of our Website. 

We're not responsible for delays outside our control 

If our supply of the Website is delayed by an event outside our control, we will do what we can to reduce the delay.  

We may transfer this agreement to someone else 

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under this agreement. 

Intellectual property rights  

You acknowledge and agree that we are the owner or the licensee of all intellectual property rights in our Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved to the fullest extent permitted by law.

You may print off one copy, and may download extracts, of any page(s) from our Website for your personal use only and you may draw the attention of others to content posted on our Website.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our Website must always be acknowledged (except where the content is user-generated).

You must not use any part of the content on our Website for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy, download, share or repost any part of our Website in breach of these terms and conditions, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made (except that you are permitted to print off a copy of these terms and conditions).

Website links  

Where our Website contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources.

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our Website in any website that is not owned by you.

Our Website must not be framed on any other site, nor may you create a link to any part of our Website other than the home page.

We reserve the right to withdraw linking permission without notice. 

Do not rely on information on this Website 

The content on our Website is provided for general information only. It is not intended to amount to financial or other professional advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Website.

In choosing to buy any product or service from us you should not rely solely on the information displayed on the Website. You should carefully read the policy documentation and/or terms and conditions relating to any specific product or service before purchasing and where appropriate, seek professional or specialist advice.

Although we make reasonable efforts to update the information on our Website, we make no representations, warranties or guarantees, whether express or implied, that the content on our Website is accurate, complete or up to date. 

Our responsibility for loss or damage suffered by you

If you are a business or a consumer user:

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents, agency staff or subcontractors and for fraud or fraudulent misrepresentation.

If you are a business user:

We exclude all implied conditions, warranties, representations or other terms that may apply to our Website or any content on it.

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

• use of, or inability to use, our Website; or
• use of or reliance on any content displayed on our Website.

In particular, we will not be liable for:

• loss of profits, sales, business, or revenue;
• business interruption;
• loss of anticipated savings;
• loss of business opportunity, goodwill or reputation; or
• any indirect or consequential loss or damage.

If you are a consumer user:

We only provide our Website for domestic and private use. You agree not to use our Website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

If defective digital content that we have supplied damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation.  

We may make changes to these terms and to our Website

We may amend these terms or make changes to our Website from time to time. Every time you wish to use our Website, please check these terms to ensure you understand the terms that apply at that time.  

How we may use your personal information

We will only use your personal information as set out in our Privacy Policy. 

If a court invalidates some of this contract, the rest of it will still apply

If a court or other authority decides that some of these terms are unlawful, the rest will continue to apply. 

Governing law 

If you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by English law. We both agree that the courts of England and Wales will have exclusive jurisdiction, except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England.