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Compared with other standard policies, NFU Mutual's buildings and contents scores of 74% placed it comfortably in the top half for buildings (ranking 13th out of 35) and fourth best for contents. It was no slouch when it came to cover either.
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Whether asked about the clarity of its policies or of speed of updates during claims, NFU Mutual policyholders were full of praise for the insurer. It topped our customer score rankings by some distance with a score of 81%. NFU Mutual was the one provider this year to become a Which? Recommended Provider (WRP). It is made up of 50% customer score, and 25% each of buildings and contents policy scores. The total score is a combination of the two policy scores and the customer score.
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Among the highest-weighted elements are accidental damage cover, claim limits for valuables and alternative accommodation cover. The higher it is, the more the more comprehensive the cover.Ĭertain elements are weighted to have more or less of an impact on the policy score, based on the general level of importance we think it has. The the policy score reflects how well the policy did overall. We rated 40 elements of contents cover, 21 elements of buildings cover, and 25 features that apply to both - such as admin fees. In December 2022 we surveyed 37 insurance companies about the levels of cover in their policies. That's when good insurers will show their ability to deal with problems, quickly process your claim and arrange replacements or repairs as soon as possible. You'll only know how good an insurer's customer service really is when you have to make a claim. Why only talk to customers who've claimed? Providers must receive a minimum sample size of 30 to be included. The customer score is based on their overall satisfaction and their likelihood of recommending their insurer. In November 2022, we surveyed 1,718 policyholders who had made a claim with their current insurer within the last two years. How we calculate the scores Customer scores
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