I have been insured with the NFU for many years, never made a claim either. But, it got so expensive with the amount of ponies, I have recently cancelled all the ponies insurance, the tack, and the vet claims, everything.
I am in the BHS and you get public liability included with your membership, and also same with the BDS, so that will do me, and I do not have that horrendous montly payment for insurance.