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National Friendly

78.4Score

★★★★☆4.2

Customer satisfaction · 20K members

MyTribe: #9 Ranked (72.7%)(2026)Trustpilot: 4.2/5(2026)

National Friendly is a small friendly society with 155+ years of heritage, ranking #9 on MyTribe Insurance (72.7%). Its unique five-year pricing contract ensures your own claims do not affect mid-term renewals, providing premium stability that no other UK health insurer offers.

Overall Score

78.4/100

Founded

1868

Headquarters

Bristol

Type

private

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Key Metrics

Monthly Premium

Five-year pricing contract available

My Tribe Score

72.7% (#9)

Pricing Stability

Claims do not affect mid-term renewal

Editorial Ratings

MyTribe: #9 Ranked (72.7%)(2026)

Rating: 72.7% — #9 ranked (max: 100%)

72.7MyTribe

Trustpilot: 4.2/5(2026)

Rating: 4.2/5 (430 reviews) (max: 5/5)

84Trustpilot

Coverage Highlights

✓Unique five-year pricing contract where claims do not affect mid-term renewals
✓Friendly society structure (mutual, member-owned)
✓155+ years of heritage
✓Fixed pricing gives budgeting certainty

Pros

✓Five-year pricing contract provides premium stability
✓Claims do not affect your own mid-term renewal price
✓Mutual structure aligned with member interests
✓Long heritage

Cons

✗Limited mental health cover (10 sessions max)
✗Lowest NHS cash benefits among rated insurers
✗Small company with limited brand recognition

Frequently Asked Questions

What is National Friendly's five-year pricing contract?

National Friendly offers a unique pricing model where your premium is fixed for a five-year term and your own claims do not affect your mid-term renewal price — providing premium stability unmatched by other UK insurers.

Is National Friendly a mutual society?

Yes. National Friendly is a friendly society (mutual, member-owned) with over 155 years of heritage, based in Bristol.

Does National Friendly cover mental health?

National Friendly offers limited mental health cover (10 sessions maximum), which is lower than most major UK health insurers.

Quick Summary

InsurerNational Friendly

Country🇬🇧 United Kingdom

Overall Score78.4/100

Satisfaction4.2/5

Members20K

Typeprivate

Founded1868

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