Cornish Mutual
A mutual insurer established in 1903, serving farming and rural businesses in Cornwall, Devon, Somerset and Dorset in the South West of England.
What your farm insurance actually covers, and what it doesn't
Guides to buildings, livestock, machinery, crop and liability cover, written for UK farmers who want to know what's in the policy document before they need it.
Read the guide to farm machinery insurance Explore all farm insurance guidesWhat you'll find when you look into your cover
Guides, comparisons and tools built around the risks a working farm actually carries.
Guides to buildings, livestock, machinery, crop and liability cover
Each guide walks through what a policy typically pays out on, where the exclusions usually sit, and what to check in your own policy document before you rely on it. A grain store fire and a seized bearing raise different questions, and each guide is written around the risk it covers.
Cover types set out side by side
Comparison tables show what different policy types are built to cover, so you can see where buildings cover ends and machinery or business interruption cover picks up. They set out what to look for in a policy.
What to do when a claim is refused or delayed
If an insurer turns down a claim or drags its feet, there is a route to challenge that, through the Financial Ombudsman Service, and it helps to know what the insurer was actually obliged to do before you get there. The guidance sets out that process in the order you'd need it, with links to the official FCA and FOS sources.
Risks that follow the farming year
Harvest fire risk sits in August and September, lambing losses cluster in February and March, and flood risk builds through winter. The seasonal guides group the relevant insurance points around each of those, so you can find what applies to where you are in the year without hunting through separate product pages.
A glossary in farming language
Terms like indemnity, reinstatement, sum insured, index-linking and average clause get used in policy documents without much explanation. The glossary defines each one against a farming example, so a term like reinstatement value means something concrete.
Tools to work out your own numbers
The rebuild cost estimator, the machinery declared value calculator and the livestock value estimator let you put your own figures in and see roughly where you stand, and the insurance needs checker helps narrow down which types of cover are worth looking at for your farm. Every figure they return is an estimate, not a quotation, and none of them can replace a formal valuation from a regulated broker or insurer.
Which insurers actually write farm cover?
A directory of the insurers and mutuals active in UK agricultural insurance, with regulator status, the classes of farm cover each writes, and the underwriter behind the policy, taken from what each firm has published. Listing a firm here says nothing about whether it suits your farm.
NFU Mutual
A UK mutual insurer specialising in farm and rural insurance, owned by its policyholder members, with no shareholders.
- Established year 1910 source
- FCA firm reference No.111982 source
- Regulator status Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. A member of the Association of British Insurers. source
- Underwriter National Farmers' Union Mutual Insurance Society Limited source
Farm insurance, as things stand
Notes on cover, claims and the rules around them, gathered as the farming year moves on.
Working farmers over 65 may face national insurance charges
National insurance exemptions to working pensioners, including farmers, may be one of the chancellors targets in the Autumn budget.
£1.2bn national insurance exemption for working pensioners could be a 'tempting target' for Chancellor, NFU Mutual warns
National Insurance relief given to pensioners, including farmers, working past state pension age has risen by 43% to £1.2bn in the past six...
Heat storms have run nonstop since 2008. UK insurers still count them as weather
In Britain, the cost turns up in subsidence claims, heat deaths and BI disputes rather than in any catastrophe total.
Severe drought puts uninsured crop losses and subsidence in focus
Farmers carry most of the risk Standard UK crop insurance mainly covers perils such as hail and fire.
Half Of FOS Travel Insurance Complaints Are Claim Denials
Insurance Half Of FOS Travel Insurance Complaints Are Claim Denials Related Sections -...
Travel Insurance Complaints Are on The Rise -
Travel insurance complaints to the Financial Ombudsman Service have increased every quarter since spring 2025. The Financial Ombudsman Service reported a 30% year-on-year rise and said declined cl...
Start with the guide that matches what you're covering
Buildings, livestock, machinery, crops and liability each carry their own exclusions and small print. Working through the right guide first makes a broker conversation shorter and more useful.