• 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 Assurance Society Limited is an incorporated friendly society authorised and regulated by the Financial Services Authority. It is also entered into the Financial Services Authority register, number 110050.
• Police Mutual Investment Services Limited is a wholly owned subsidiary of PMAS authorised and regulated by the Financial Services Authority and is registered in England and Wales No 3459376. It is also entered into the Financial Services Authority register, number 186550.
• Police Mutual Insurance and Financial Services Limited is a wholly owned subsidiary of PMAS authorised and regulated by the Financial Services Authority and is registered in England and Wales No 4560462. It is also entered into the Financial Services Authority register, number 313482.
• Roland Smith Limited is a wholly owned subsidiary of PMAS authorised and regulated by the Financial Services Authority and is registered in England and Wales No 1073408. It is also entered into the Financial Services Authority 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 Mutual Financial Services Limited is a wholly owned subsidiary of PMAS and is registered in England and Wales No 4956444.
• Police Housing Fund Limited is a wholly owned subsidiary of PMAS and is registered in England and Wales No 5069458.
• The Registered Office of PMAS, PMIS, PMIFS, PMFS 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.
• PMAS is a trademark of Police Mutual Assurance Society Limited used under licence by Police Mutual Insurance and Financial Services Limited, Police Mutual Investment Services Limited Police Mutual Financial Services Limited and Roland Smith Limited.
• Home insurance is arranged by Roland Smith Limited. Home Insurance products are provided by Aviva Insurance UK Limited registered in England number 99122. Registered Office 8 Surrey Street, Norwich, NR1 3NG. 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 UK Limited.
• 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. Website: www.skipton.co.uk
• Car Insurance is arranged by Roland Smith Limited. Roland Smith is an independent intermediary dealing with a panel of insurers. For mutual security, calls are recorded and may be monitored for training purposes.
• PMAS Mortgage Service is offered by Police Mutual Insurance and Financial Services Limited. Mortgages are provided by Britannia. Correspondence address; Britannia House, Leek, Staffordshire, ST13 5RG www.britannia.co.uk. Britannia is a trading name used by The Co-operative Bank plc, part of The Co-operative Financial Services. The Co-operative Bank plc, Registered Office: P O Box 101, 1 Balloon Street, Manchester, M60 4EP. Registered in England & Wales No 990937. The Co-operative Bank is authorised and regulated by the Financial Services Authority (No. 121885) and is a member of the Financial Ombudsman Service and is licensed by the Office of Fair trading (No. 006110).
• 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.