The NFU Mutual
The NFU Mutual are my insurance company. We chose them to insure our Grade II, listed thatched cottage in Suffolk because we thought we and our home would be well looked after. They have an excellent reputation which, in our case, they have failed to live up to. It's more than three years since we lodged our claim, after a water mains flood. Now, my dear little Suffolk cottage, my dream home, is now deteriorating by the day. Three sets of builders have damaged my home and not carried out the repairs. But instead of sorting out the mistakes they've made, the NFU Mutual are more interested in arguing about getting competitive prices than meeting their responsibilities and putting my home back together.
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The Conspiracy NFU Mutual Allowed to Happen
Surely this is the stuff of the tabloid press and fictional TV dramas. Not a little thatched cottage in a Suffolk village?
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NFU Mutual are Refusing Us a New Specification, But Why?
This is the only document which would show 'once and for all' what needs to be done to our cottage. Why are they still refusing us a new specification to make sure it's done properly.
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The Flood: NFU Insurance Claim 2
A strange puddle had developed in our front driveway. The puddle grew to huge proportions, and, after a couple of days, we were worried.
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A New Specification – The Only Way Forward with our NFU Insurance Claim
The only thing that could clear this mess up, once and for all, was a new specification. So why are NFU refusing to get one?
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Why NFU’s Builders Weren’t Allowed Back – They Weren’t Qualified
Every reply we've had from NFU Mutual in response to our complaint, says two things. 1. We asked for a cash settlement (which we didn't!) and 2. We should have had their builders back. But the builders they provided weren't qualified to do the work.
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Our Response to the Insulting Reply to Our Complaint
You may have already read the complaint response from the Group Chief Executive and my reactions in my following post. This took me four days to write and I’m really happy with the result. I think it captures much of what the NFU Mutual tried to overlook or cover up in their reply to my complaint. It also addresses the fabrications they are still insisting are true so that they can reduce the amount they pay us. So, here it is. You may want to go and get a cuppa – it’s a long one: Dear Mr Sinclair We write in response to your letter dated 17 February 2021, in…
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The Cash Settlement – More Unscrupulous Behaviour from NFU Mutual
When we received our latest response from the Group Chief Executive of NFU Mutual, something didn't look right. When I looked into it, I found more unscrupulous behaviour from the NFU Mutual.
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‘We Cannot Continue to Talk About the Errors’ and You Can’t Have the Sum Insured! – NFU Mutual
'The claims department cannot continue to discuss the errors made by the contractor and/or others involved in your claim.' But why not? You've never explained why the errors happened.
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Apology and Compensation: What Would You Do?
My experience over the last three and a quarter years has been devastating in so many ways. It has affected my family and me in every area of our lives. We've lost contact with the people in our village - well before coronavirus came along. I spend over an hour a day travelling to and from the rented accomodation so that I can work from the bottom of the garden. We're still living out of boxes. We have no sofa as it's still in the cottage living room and should have been put into storage. I'm always on edge wondering what they're going to demand or deny next. Every time…
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Response to our Complaint from the GCE of NFU Mutual
In November 2019, I lodged a complaint to the NFU Mutual because I suspected that work being carried out on our home was incorrect. I also stated that I thought the work to be illegal because it appeared to be in breach of listed building conditions. I said that surely my home was uninsurable because it was structurally unsound. I asked them to investigate. Businesses are supposed to give a reply within 8 weeks. One year and two months later, (that’s about 62 weeks – almost eight times as long as instructed), we finally received a response from the Group Chief executive. Here’s what he had to say: Background I…
