+

Legal

Important Legal Information

This site is intended for UK residents unless otherwise stated.

These are the terms and conditions ("Terms and Conditions") for the website located at www.policemutual.co.uk ("Site") of Police Mutual Assurance Society Limited ("PMAS") and its group companies ("Police Mutual"). Please read these Terms and Conditions carefully, and the information contained within. By using this Site, you acknowledge that you have read these Terms and Conditions and our Privacy Policy, which is hereby incorporated by reference, and that you agree to be bound by them. If you do not wish to be bound by these Terms and Conditions you should not use this Site.

Police Mutual reserves the right to change, modify, add or remove portions of these terms at any time for any reason and such changes shall be effective immediately upon posting. You acknowledge that by accessing our Site after we have posted changes to these Terms and Conditions, you are agreeing to these terms as modified.

Disclaimer

Nothing contained on this Site constitutes tax, accounting, regulatory, legal, insurance, investment or personal advice. Decisions based on information contained on this Site are the sole responsibility of the visitor. In exchange for using this Site, the visitor agrees to indemnify and hold Police Mutual, its officers, directors, employees, affiliates, agents, licensors and suppliers harmless against any and all claims, losses, liability, costs and expenses (including but not limited to legal costs) arising from your use of this Site, from your violation of these Terms and Conditions or from any decisions that the visitor makes based on such information.

Trademarks and Intellectual Property

'Police Mutual' and 'PMAS' are registered trademarks of Police Mutual Assurance Society Limited. © Police Mutual Assurance Society Limited.

All trademarks, trade names, and/or logos displayed on this Site are proprietary to Police Mutual and/or their respective owners. Nothing on this Site should be construed as granting any license or right to use any trademark, trade name and/or logo displayed on this Site without the written permission of Police Mutual or such other third party that may own such trademark, trade name and/or logo. Your use of the trademarks displayed on this Site, except as provided herein, is strictly prohibited.

Company Details

Police Mutual Assurance Society Limited is an incorporated friendly society, number 727F. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, it is entered in the Financial Services Register and the Register Number is 110050.

PM Advisory Limited ("PMAL") is registered in England and Wales, number 4560462. Authorised and regulated by the Financial Conduct Authority it is entered in the Financial Services Register, number 313482.

PMGI Limited ("PMGI") is registered in England and Wales, number 1073408. Authorised and regulated by the Financial Conduct Authority, it is entered in the Financial Services Register, number 114942.

PM Central Services PLC (“PMCS”) is registered in England and Wales, number 8752809. Authorised and regulated by the Financial Conduct Authority, it is entered in the Financial Services Register, number 651339.

Mortgage Excellence Plc ("MEX") is registered in England and Wales, number 3527577. Authorised and regulated by the Financial Conduct Authority, it is entered in the Financial Services Register, number 301192.

Abacus Limited (“Abacus”) is registered in England and Wales, number 4207663.  Authorised and regulated by the Financial Conduct Authority, it is entered in the Financial Services Register, number 314649.  Registered office: 100 Cedarwood Crockford Lane, Chineham Business Park, Chineham, Basingstoke, Hampshire, England, RG24 8WD

All register entries can be checked by visiting the Financial Conduct Authority website or by contacting the Financial Conduct Authority on 0800 111 6768 or 0300 500 8082.

PMHC Limited ("PMHC") is registered in England and Wales, number 3018474.

The registered office of PMAS, PMAL, PMGI, PMCS, MEX and PMHC is:

Alexandra House
Queen Street
Lichfield
Staffordshire
WS13 6QS

The information below is relevant for products sold on the Police Mutual website.

Home and Car Insurance

Home and car insurance is arranged and administered by PMGI Limited through Royal & Sun Alliance Insurance plc who are authorised and regulated by the Financial Conduct Authority. For mutual security, calls are recorded and may be monitored for training purposes.

Family Legal Protection

Family legal protection and home emergency is arranged by PMGI Limited and administered by ARAG plc. ARAG plc is authorised and regulated by the Financial Conduct Authority (firm reference no. 452369). Their registered office address is:

ARAG plc
9 Whiteladies Road
Clifton
Bristol
BS8 1NN

ARAG plc is authorised to administer this insurance on behalf of Brit Syndicate 2987 at Lloyd's. Brit Syndicate 2987 at Lloyd's is managed by Brit Syndicates Limited which is authorised and regulated by the Financial Conduct Authority, registration number 204930. Their registered office address is:

Brit Insurance Limited
55 Bishopsgate
London
EC2N 3AS

Mortgages

Mortgage and protection advice is available through Mortgage Excellence PLC, which is authorised and regulated by the Financial Conduct Authority (firm reference no. 301192).

Healthcare

Our Healthcare Scheme is made available through PMHC Limited.

Flexible Benefits

“Choices” is made available through PM Central Services PLC and PMGI Limited.

Investment Choice

Investment choice is offered by PM Advisory 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, registered in England and Wales, number 1629709.

Financial Administration Services Limited is a Fidelity Group company, authorised and regulated by the Financial Conduct Authority and their registered office address is:

Financial Administration Services Limited
Oakhill House
130 Tonbridge Road
Hildenborough
Tonbridge
Kent
TN11 9DZ

Fidelity International, Fidelity and FundsNetwork™ are trademarks of FIL used with its permission.

Financial Services Compensation Scheme

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 Conduct Authority or the Financial Services Compensation Scheme.

Page last updated: March 2017

Close