All personal information about you will be treated as private
and confidential (even when you are no longer a customer) except
where disclosure is made at your request, with your consent in
relation to arranging your insurance or where we are required to by
We may provide information about you to other companies within
the Police Mutual Marketing Group so that they can provide details
of products and services which they feel may be appropriate to you.
The other companies within the group are currently Police Mutual
Investment Services Limited, Police Mutual Insurance and Financial
Services Limited, Police Mutual Financial Services Limited, Police
Housing Fund Limited and Roland Smith Limited.
Cookies are small data files that our server asks your computer
to temporarily store. When a cookie is stored on your computer, it
makes it possible for us to provide better functionality for you.
Find out more about the cookies that we use.
Our online quote and buy facilities make use of the latest
security to safeguard your details by:
Applying the highest level of security encryption available. We
use Secure Sockets Layer (SSL) between your computer and ours. This
uses 128-bit encryption so you can be confident that your details
are safe. This works in the following way:
- It prevents impersonation.
- It encrypts data - as soon as your computer has recognised our
computer they encrypt all information that is passed between them.
Data encryption means that no one else can read or change
your information as it travels over the Internet.
Verisign Security Certification. This secure site programme
verifies the authenticity of the site and confirms that security is
What you can do about security
PCs are an important part of daily life that can contain
valuable information. It is important that you protect your
PC and the information it may hold.
We strongly advise all of our members to use both anti-virus
software and a firewall to protect their PC when accessing the
internet. We would remind members who have already installed
anti-virus and firewall software that it is essential to regularly
update the software by taking downloads from the software
supplier. Failure to do so may leave your PC vulnerable to
attack. Further information is available from your software
From time to time vulnerabilities are discovered in web
browsers, however these can be eliminated by regularly downloading
security updates and patches supplied by the software
Email is a great way to communicate, but unfortunately
fraudsters also use the medium to target victims. Any emails
automatically sent from the Police Mutual web site will be from one
of the following email addresses:
Don't open emails from unknown senders. If you are in
doubt about the source of an email, it is advisable to delete
it. It is advisable to never open unexpected
Police Mutual will never email you to request personal
information. If you receive an email asking for personal
information, please call us on 0845 88 22 999.
Secure sessions - Our online statements
facility uses the same SSL 128-bit encryption as for our online
quote and buy facilities. In addition, all data held in our
databases is additionally encrypted using a private key. When
you log in to our online statements facility you will be in a
secure session - you know you are in a secure session when a
padlock appears in the lower right hand corner of the browser
Format of statements - Statements are held on
the system in Adobe Acrobat PDF format. In order to view
these documents you will need to download a copy of Adobe
Security - If you share your computer or other
people have access to it, you should logout and close your browser
windows as you leave the secure area. There is a possibility
that, depending upon the settings of your computer, some of your
statements may remain in the cache (memory) of your computer after
you have logged out of the system. We recommend that you
clear your browser history after you have come out of the secure
Session time-out - If you forget to log off or
your computer remains inactive for a period of time during a
session, then our system automatically logs you out.
Identification - We use log-ins and passcodes
to make sure we are dealing with you. Online access to your
statements is only possible once you have identified yourself using
your User Id, passcode and memorable information. The first
time you access your account you will also have to enter your
activation key. This will have been provided to you by Police
Mutual in the format of a letter through the post to your
registered address. It is vital that you do not share your
passcode with anyone else, and we recommend that you try not to use
the same passcode for other online services.
Lost or forgotten passcodes - If you lose or
forget your passcode or memorable information, the system has a
facility for you to reset them. You will be asked to provide
your member number and answer two of the security questions you
were asked at the time you registered for the account.
Automatic lockout - After a number of incorrect
attempts to log in, we disable online access to your account.
To re-activate your account, you should contact Police Mutual on
0845 88 22 999.
Secure messaging - Within the system we have
the ability to send you a secure message. If we send you a
secure message, the system will automatically send an email to your
registered address. The email will come from
firstname.lastname@example.org. When you receive an
email, simply log in to the online statements facility and follow
the appropriate links. The information contained in the
message itself never leaves our system and is encrypted, and
therefore can only be read by yourself.
All telephone calls are recorded and may be monitored.
Police Mutual Marketing Group of companies includes Police
Mutual Assurance Society Limited, Police Mutual Insurance and
Financial Service Limited, Police Mutual Financial Services
Limited, Police Housing Fund Limited and Roland Smith
We won't share any information with companies outside the
Police Mutual Marketing Group for marketing purposes.
Any information you provide will be held by the Police
Mutual Marketing Group and used for administration, research and
analysis and marketing of products which may be of interest to
You have a right to ask for the information we hold about
you and to have any errors corrected.
If you don't want to receive any marketing information
form us, please let you know by calling our Customer Relationship
Centre on 0845 88 22 999.
Links to other sites
We may link our site to other relevant sites. Where this is the
This site is owned and operated by Police Mutual Assurance
Society Limited. Our address is Alexandra House, Queen Street,
Lichfield, Staffordshire, WS13 6QS. Our telephone number is
0845 88 22 999.
Limitation of liability and disclaimer
Although we make every effort to ensure that the information in
this site is both accurate and up to date, we accept no liability
for any loss or damage (including consequential loss) due to any
inability to use the site, omissions or inaccuracies.
We can give no warranty that the site is free of viruses or can
be used with any computer, software or browser systems.
Availability of services
All the products, services and policies described in this site
are subject to availability and may be withdrawn or amended without
All designs, graphics, photographic images, material (including
any copies or arrangements) and all software, underlying source
code, any material sent to you by email or any other form and all
other material on this website are copyright Police Mutual
Assurance Society Limited or used under licence.
Use of content
You may print individual pages on paper, store individual pages
electronically on disk, or display individual pages on a computer
screen for your own personal and non-commercial use.
You may not store the content of this site on a server (or any
other storage device connected to a network), reproduce, copy,
distribute, disseminate or modify the content of this site, or use
the content of this site for any commercial, illegal or immoral
Police Mutual is a UK financial services organisation and this
site is for the information of UK, Channel Islands and Isle of Man
Industry and regulatory bodies
Police Mutual Assurance Society Limited is a member of the
Association of British Insurers. Police Mutual Investment Services
Limited is a member of the Investment Management Association.
Police Mutual Assurance Society Limited, Police Mutual Insurance
and Financial Services Limited, Police Mutual Investments Services
Limited and Roland Smith Limited are authorised and regulated by
the Financial Services Authority (FSA).
Police Mutual Assurance Society Limited strives to provide its
customers with the highest level of service and would like to know
if you are not satisfied with any aspect of this. Should you wish
to make comments of any kind about our service please contact us at
Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS.
We will take any complaint seriously and endeavour to handle it
fairly, consistently and promptly.
If you are not satisfied with the way in which we have dealt
with your complaint or you remain dissatisfied, the Financial
Ombudsman Service may be prepared to review your complaint. No
charge is made for this service and you should write to:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
Telephone 0845 080 1800
Please always quote your policy number as it will enable your
complaint to be dealt with promptly.
We are covered by the Financial Services Compensation Scheme.
You may be entitled to compensation from the scheme if we cannot
meet our obligations. The level of compensation depends on the type
of business and the circumstances of the claim. Further information
is available from the Financial Services Authority or the Financial
Services Compensation Scheme.
Genetic test policy
In accordance with the Association of British Insurers' policy
on genetics and insurance, you do not need to tell us about any
genetic test result you have had if this application for insurance,
taken together with any other insurance plans you already have for
this type of insurance, totals to:
- £500,000 or less for life insurance. Above this limit, you may
need to tell us about certain genetic test results when applying
for insurance. We will only be interested in genetic test results
where the Government's Genetics and Insurance Committee (GAIC) has
approved them for insurers' use.
To check if this applies to you, please visit the ABI website at
for details of the current position.
Currently, the only test results which have been approved by
GAIC are for Huntington's Disease. However, you must tell us if you
either have a family history of, are experiencing symptoms of, or
are having treatment for, a medical condition including any
genetically inherited condition.
We may from time to time run special promotions on this site.
These will be subject to additional rules and conditions, which
will be made available at the time.
Changes to terms
without prior notice.
Last updated: 12/08/2011