I have heard that NFU are great. I think their ad about "we pay out blah, blah" happens to be true. No-one seems to have told them that they are an insurance company and are not supposed to be nice and helpful people.
Think adding my R53 S temporarily was about that with the Coop. Always found it strange that it is so cheap to do that.
we have been with them over 25 years in that time we had a couple non fault claims and one black ice never seen it coming crash we lost 20% no claim on the black ice claim but they paid out within 3 weeks and we had a hire car etc,, the other 2 no faults nfu took care of the whole lot hire cars paid in full market value with no hidden little nasty small print poo that most of the others use, i was with hastings direct on my bikes they were the cheapest around bearing in mind i new gsxr1000r k7 and before that one was fireblades and all race rep bikes couple of offroad bikes as well,, i had a off on it car undertook another car waiting at a junction and i ended up in the driver side door then over the top of the car broke a few bit and pieces on me totalled the bike, driver got done for dangerous driving and one of his mates got done for perverting the course of justice as lied to the police saying he was there and i was speeding,, what they did not bank on was dash cam on my bike showed 40mph in a 40 and also showed no black corsa present and when law investigated it he worked for a company that he had to clock in,, and he was at work,, while all this was going hastings where a royal pain in the arse until this driver went court would not pay out, when they did they offered under trade value and took 12 weeks of fighting that,, then when sorted they refused to reinstate my no claims bonus that took a mountain of letters,, they just kept moving the goal posts,, when finally it was all sorted i bought another bike went to insure with them again as they were the cheapest before , the quote was 4 times higher and the guy there said its because of insurance claims ans accident ie even not my fault and proved it made me higher risk in their silly little world,,
nfu never had a issue with ever might ne be the cheapest but that piece of mind is worth it for me and my family.