Have been with NFU for many years. The premium isn't cheap but has a fixed excess and no percentage contribution. There are significantly fewer policy exclusions than other 'market leaders' and claims are paid very quickly with no quibble. Staff are helpful and considerate. Renewals are fairly stable, however there is a NCD included which can disappear following a claim - which could lead to an increase. However premiums are comparable with similar policies. My only slight niggle is that £4000 vet fees seems a little low these days. A major surgical procedure plus tests could put you close to this limit. It is worth mentioning though that the limit is per condition, per year (on the lifetime cover) so if unfortunate enough to have claims for more than one condition, potentially the amount paid could be higher - unlike other policies which have a limit for all vet fees incurred in the year.