Nfumutual are a shambles of a company. We have had claims unsettled for 3 years. The legal expenses cover via DAS is non existent. The solicitors you have to engage with on das approved panel are shocking and will do everything possible to reject your claim or if the claim is accepted do nothing for months, lose documents, don't have secure document management and solicitor churn is very high so you have to keep repeating information . Loyalty means nothing to them and they have no morals or desire to settle claims in a timely manner leaving any consequential losses stacking up. The stress and anxiety their incompetency or deliberate unprofessionalism causes is beyond belief.