Important Legal Information
This information covers the Pensions, Life Insurance, Other
insurance products, Mortgages and Investment Products.
Police Mutual only provides the products and services advertised
on this website in the United Kingdom, Channel Islands and the Isle
of Man. Not all products are available in the Channel Islands or
the Isle of Man.
Police Mutual products are provided on a direct offer basis only
and no personal advice is offered in
relation to them on this site or by its representatives. If you are
unsure whether any of our products are suitable for your needs, you
should seek financial advice.
Police Mutual and PMAS are trademarks of Police Mutual Assurance
Society Limited used under licence by Police Mutual Insurance and
Financial Services Limited and Roland Smith Limited.
Police Mutual Assurance Society Limited (PMAS) is an
incorporated friendly society authorised
and regulated by the Financial Services Authority (FSA). It is also
entered into the FSA register, number 110050.
Police Mutual Insurance and Financial Services Limited (PMIFS)
is a wholly owned subsidiary of PMAS; registered in England
and Wales No. 4560462. It is also authorised and regulated by the
Financial Services Authority (FSA) and is entered into the FSA
register, number 313482.
Roland Smith Limited is a wholly owned subsidiary of PMAS;
registered in England and Wales No. 1073408. It is also authorised
and regulated by the Financial Services Authority (FSA) and is
entered into the FSA register, number 114942.
These register entries can be checked on the FSA register by
visiting the FSA's website: www.fsa.gov.uk/Pages/register
or by contacting the FSA on 0845 606 1234.
Police Housing Fund Limited (PHFL) is a wholly owned subsidiary
of PMIFS; registered in England and Wales No. 5069158.
The Registered Office of PMAS, PMIFS and PHFL is Alexandra
House, Queen Street, Lichfield, Staffordshire, WS13 6QS.
The Registered Office of Roland Smith Limited is 1st Floor,
India Buildings, Brunswick Street, Liverpool, L2 0XH.
Home Insurance is arranged and administered by Roland Smith
Limited. Home Insurance products are provided by Aviva Insurance
Limited. Registered in Scotland, No. 2116. Registered Office:
Pitheavlis, Perth PH2 0NH. Authorised and regulated by the
Financial Services Authority. For mutual security, calls are
recorded and may be monitored for training purposes. Police Mutual
are not part of Aviva Insurance Limited.
Family Legal Protection and Home Emergency is arranged by Roland
Smith Limited. Cover is administered by ARAG plc;
registered in England & Wales No. 2585818.
Registered Office: 9 Whiteladies Road, Clifton, Bristol, BS8
1NN. Authorised and regulated by the Financial Services
Authority. Cover is underwritten by Brit Insurance Limited;
registered in England & Wales No. 2763688. Registered Office:
55 Bishopsgate, London, EC2N 3AS. Authorised and regulated by the
Financial Services Authority.
The Cash ISA and the Cash Account are offered by Police Mutual
Insurance and Financial Services Limited. These products are
provided by Skipton Building Society, Principal Office: The Bailey,
Skipton, North Yorkshire, BD23 2DN. Skipton Building Society is a
member of the Building Societies Association and Financial
Ombudsman Service, Authorised and regulated by the Financial
Services Authority under registration number 153706 for accepting
deposits, advising on and arranging mortgages and insurance.
Car Insurance is arranged by Roland Smith Limited. For mutual
security, calls are recorded and may be monitored for training
purposes.
Mortgage and Protection Advice is available through Police
Housing Fund Limited; an appointed representative of the following
companies which are authorised and regulated by the Financial
Services Authority for advising on and arranging the following:
Mortgage Advice Bureau Limited for mortgages. Mortgage Advice
Bureau (Derby) Limited for insurance.
MAB 4036
Investment Choice is offered by Police
Mutual Insurance and Financial Services Limited. Investment Choice
gives you access to FundsNetwork, an investment fund supermarket
from Fidelity FundsNetwork™. The Fidelity FundsNetwork™ service is
offered and managed by Financial Administration Services Limited.
Financial Administration Services Limited (a Fidelity group
company) is registered in England and Wales (no 1629709) Registered
office: Oakhill House, 130 Tonbridge Road, Hildenborough,
Tonbridge, Kent, TN11 9DZ. Authorised and regualted by the
Financial Services Authority. Fidelity International, Fidelity and
FundsNetwork are trademarks of FIL used with its permission.
The use of gender in the assessment of insurance
risks
When underwriting insurance policies, insurance companies base
their premiums on a wide variety of factors that may affect the
claims cost they observe amongst their customers. One factor that
may affect certain policies, such as life assurance and annuities,
is gender.
From 6 April 2008, the Sex Discrimination (Amendment of
Legislation) Regulations state specific conditions under which
insurance companies are allowed to differentiate premiums based on
gender. One condition is that the use of gender as a factor in the
assessment of risk for individual policies is based on relevant and
accurate statistical data. A second condition is that this data
must be compiled, published and regularly updated in accordance
with guidance issued by HM Treasury. The latest guidance (March
2008) is available at the following link: HM
Treasury website.
Data in respect of life assurance and annuities can be found by
clicking on the following link: Life assurance and
annuities. This data is supplied by the Continuous Mortality
Investigation, which carries out research into mortality and
morbidity experience. These investigations cover all the main types
of long term insurance policies issued by life insurance companies
in the United Kingdom.
Last updated: 18/05/2012