• The 2026 Tech Wish List: Top Gadgets Worth Protecting This Year

    The 2026 Tech Wish List: Top Gadgets Worth Protecting This Year

    This article was published on 14 January 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    New year, new tech? Whether you’ve treated yourself in the January sales, upgraded what you rely on every day, or you’re simply browsing the latest launches, 2026 is already shaping up to be an impressive year for personal tech.

    As devices get smarter and more expensive, it’s more important than ever to think about how to protect them. Cracked screens, water damage, accidental drops, or unexpected theft can happen quickly, especially when you lead a busy, active life.

    Below, we’ve rounded up some of the most sought-after tech of 2026 and why these high-value gadgets may be worth protecting.

    Foldable Phones: Bigger Screens, Bigger Investment

    Foldable phones have moved firmly into the mainstream, and 2026 sees another step forward with devices like the Samsung Galaxy Fold7. Improved durability, refined hinges and stunning ultra-bright screens make foldables perfect for multitasking, streaming, and work on the go.

    But larger foldable displays and specialist parts often mean repairs can be more expensive than traditional smartphones. If a slip or screen break happens, having cover in place could make a big difference.

    Smartphones: The Must-Have Upgrade for 2026

    Last year’s most talked-about launches included the Apple iPhone 17 Pro and Pro Max, boasting camera upgrades and enhanced battery life, and the all-new iPhone Air, brought premium performance in a lighter, more compact build.

    With phones being the tech, we use most; maps, calls, photos, messaging, payments, they’re also the most exposed to damage or loss. Protecting a brand-new upgrade may be a smart move.

    Gaming on the Go: Next-Level Portability

    Portable gaming looks set to dominate again in 2026. Top contenders include the Nintendo Switch 2 and powerful Windows handhelds like the Asus ROG Xbox Ally.

    These devices are designed to travel. Perfect for train commutes, long shifts with downtime, or family trips. But being portable also makes them more vulnerable to drops and loss.

    Headphones: Small Tech with Big Value

    Premium earbuds continue to rise in popularity. The size of the Apple AirPods Pro 3 and Bose QuietComfort Ultra Earbuds (2nd Gen) makes them easy to misplace, drop, or even put through the wash, something many owners have learned the hard way.

    Smart Wear: Always On, Always Active

    Wearables remain one of the fastest-growing tech categories, especially for those juggling unpredictable schedules or active roles. Popular models include the Apple Watch Series 11 or Ultra 3, Garmin Smartwatches, the next-gen Oura Ring 4 and Samsung Galaxy Ring.

    These devices are worn daily, meaning they’re exposed to knocks, scrapes, and the elements, especially during fitness activities or outdoor work.

    VR and AR Headsets: A New Reality for 2026

    With devices like the Meta Quest range and Sony PlayStation VR2 advancing rapidly, VR and AR are moving far beyond gaming. From training simulations to family entertainment, adoption is growing fast.

    With advanced sensors, lenses and displays, headset repairs are often specialist and costly.

    Protect What Matters

    If you’re planning to upgrade or already have one of these top 2026 gadgets, now could be a good time to think about protection. Gadget Insurance can help safeguard the tech you rely on from accidental damage, mechanical breakdown, theft or loss*, giving you extra confidence whether you’re at home, commuting, travelling or on duty.

    Want peace of mind for your new tech? Explore Gadget Insurance today.

    *Loss cover optional, item exclusions apply.

    Police Mutual has partnered with Arma Karma who offer gadget insurance that’s designed to fit seamlessly into your everyday life. Arma Karma is part of the Bspoke Insurance Group Ltd, which also includes Police Mutual, so you know you’re in safe hands.

    Sarah Blair

  • Park Home Versus Regular Home Insurance

    Park Home Versus Regular Home Insurance

    This article was published on 12 Jan 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    How park home insurance differs from regular home insurance

    If you’re considering purchasing a park home or already live in one, you might be wondering how insurance for your property differs from traditional home insurance.

    Residential park homes present unique circumstances that require specialised insurance coverage. Understanding these differences is crucial for ensuring you have adequate protection for your property and belongings.

    What makes park homes different?

    Park homes are prefabricated structures designed to be permanent or semi-permanent residences on designated sites. Unlike traditional homes, they’re not built on permanent foundations and are constructed in factories before being transported to their final location.

    Most park home residents own their home but rent the pitch through a written agreement with the site owner. This creates unique legal and insurance considerations that don’t apply to conventional property ownership.

    Construction and structural differences

    Park homes are built to British Standard BS 3632, which differs considerably from building regulations for traditional homes. They use lighter materials such as timber frames with external cladding, and rest on concrete pads or steel chassis rather than deep foundations.

    This construction affects vulnerability to weather damage, particularly high winds and flooding. However, park homes are less susceptible to subsidence due to their foundation system.

    Coverage variations

    The distinction between structure and contents can be less clear-cut with park homes. Many items typically considered contents in traditional homes, such as furniture and white goods, are classed as part of the structure in park homes due to them usually being included by the manufacturer.

    Park home insurance often includes cover for items not typically covered by standard policies, such as steps, ramps, and skirtings essential for park home living.

    Site-specific considerations

    Park home insurance must account for communal areas, shared facilities, and specific site rules. Site management typically maintains roads, communal gardens, and shared facilities, affecting liability coverage requirements.

    The location and management quality significantly impact insurance costs. Well-maintained sites with good security and flood defences typically attract lower premiums.

    Legal framework

    The Mobile Homes Act 1983 provides specific protections for park home residents, but these don’t extend to insurance coverage. Unlike traditional homeowners, park home residents don’t own the land beneath their property, which affects building insurance requirements.

    Premium considerations

    Park home insurance premiums are calculated differently, considering factors such as the home’s age, construction materials, site location, and the park’s overall risk profile. Older homes may face higher premiums due to outdated construction methods.

    Finding the right coverage

    When selecting park home insurance, work with insurers who understand the unique requirements of park home living. Specialist providers often offer more comprehensive coverage tailored to specific risks and needs.

    Regular home insurance simply isn’t designed for park home circumstances. By choosing appropriate specialist coverage, you can ensure proper protection whilst enjoying the benefits of park home community living.

    Looking for Residential Park Home Insurance?

    Police Mutual are pleased to introduce Compass Insurance who are a a specialist provider of holiday caravan and residential park home insurance, with over 45 years’ experience, so they can help you find the right cover for you.

    Compass Insurance is part of the Bspoke Insurance Group Ltd, which also includes Police Mutual, so you know you’re in safe hands.

    You can get a quote here: Residential Park Home Insurance – Police Mutual

    Alex Mculty

  • Electric Car Incentives: Is Now the Right Time to Make the Switch?

    Electric Car Incentives: Is Now the Right Time to Make the Switch?

    This article was published on 8 January 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    With electric vehicles (EVs) becoming more mainstream, many UK drivers are asking: Is now the right time to make the switch? From government grants to lower running costs, there are plenty of reasons to consider going electric. In this article, we’ll explore the current incentives, practical benefits, and how Police Mutual can support you with car insurance tailored to your needs.

    Why Consider an Electric Car?

    Electric cars offer a range of benefits that go beyond environmental impact:

    • Lower running costs – Electricity is generally cheaper than petrol or diesel, and EVs require less maintenance.
    • Clean Air Zone exemptions – EVs are often exempt from charges in low-emission zones.
    • Congestion Charge changes from 2026 – Until the end of 2025, battery-electric cars were fully exempt from the London Congestion Charge. From 2 January 2026, this full exemption has ended: electric cars now must pay the Congestion Charge but can receive a discounted rate (for example a 25 % discount via Auto Pay), meaning EVs will still pay less than petrol/diesel vehicles when driving in central London.
    • Government grants – While some schemes have ended, others still offer support for home charging installations.

    Current Incentives for UK Drivers

    There are numerous electric car incentives available:

    In July 2025 the government launched an Electric Car Grant to support the transition to zero emission vehicles and incentivise sustainable automotive manufacturing. The grant provides up to a max. of £3,750 off new cars.

    The EV Chargepoint Grant offers up to £350 off the cost of installing a home charger, available to anyone who owns and lives in a flat or rents and lives in a residential property.

    Many employers now offer EVs through salary sacrifice, allowing you to lease a car at a reduced cost while saving on tax and National Insurance.

    If you’re still working and considering an EV as a company car, the Benefit-in-Kind (BiK) tax rate is significantly lower for electric vehicles compared to petrol or diesel models.

    Is It the Right Time for You?

    Switching to an electric car is a personal decision, but with fuel prices remaining high and the UK’s plan for all cars to be 100% zero emission by 2035, now could be a smart time to make the move.

    Protect Your EV with Police Mutual Car Insurance

    Whether you’re already driving electric or just starting your journey, having the right insurance is essential. Police Mutual car insurance is designed with the police community in mind, giving you peace of mind and reliable cover.

    For more information about Police Mutual car insurance and how you would benefit, visit our Car Insurance page here or call 0151 242 7640

    Police Mutual Car Insurance is provided by ERS.

    Photo by CHUTTERSNAP on Unsplash

    Sarah Blair

  • Start the Year Strong: Why now could be the time to review your mortgage

    Start the Year Strong: Why now could be the time to review your mortgage

    This article was published on 7 January 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    The New Year is all about fresh starts, whether that means moving to a new home, improving your financial security, or planning ahead for the future. If your mortgage deal is due to end soon or you’re considering a move in 2026, now is the ideal time to take action. Acting early can give you access to a broader range of mortgage options and may help you secure a competitive rate. However, please note that mortgage rates can vary and are subject to change.

    Why acting early matters

    Mortgage rates and lender criteria can change quickly. Waiting until your current deal expires could mean paying a higher rate, or missing out on a wider range of mortgage options that may be available earlier. By starting the process early, you could:

    • Avoid costly standard variable rates (SVR) when your deal ends
    • Secure a competitive rate that works for you
    • Plan with confidence, knowing your finances are secure

    What should you do now?

    1. Check your current mortgage deal
      Find out when your fixed or tracker rate ends. If it’s within the next six months, it’s time to start planning
    2. Understand your options
      Whether you’re remortgaging or buying a new home, the right advice could save you money over the life of your mortgage
    3. Get expert guidance
      Navigating the mortgage market alone can be overwhelming, especially with shift work and family commitments. Professional advice can help you make informed decisions without the stress.

    Fee-Free mortgage advice service

    We understand the unique needs of serving and retired Police Officers, Staff and their families. That’s why we’ve teamed up with Grange Mortgage & Protection Services Ltd to offer fee-free mortgage advice, giving you access to:

    • Whole-of-market lenders for the best possible deals.
    • Specialist knowledge of police pay structures and allowances.
    • Flexible appointments to fit around your shifts.

    You’ll be guided through every step, from comparing rates to securing the right mortgage for your circumstances, all at no extra cost.

    Contact Grange Mortgage & Protection Services Ltd today for fee-free advice and start the year with confidence.

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    Find out more here.

    PMGI Limited, trading as Police Mutual acts as an intermediary for the purposes of introducing its customers to Grange Mortgage & Protection Services Ltd. PMGI Limited is authorised and regulated by the Financial Conduct Authority. Grange Mortgage & Protection Services Ltd, is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Ltd. Advance Mortgage Funding Ltd is authorised and regulated by the Financial Conduct Authority.

    If you take out a mortgage recommended by Grange Mortgage & Protection Services Ltd, PMGI Limited will receive a fee for the introduction which is a percentage based on the loan amount. We may also earn an additional fee based on performance of our account. If you wish to know the fee we receive please contact Grange Mortgages

    Sarah Blair

  • Winter Fuel Bills and the Cost of Living: How to Stay in Control

    Winter Fuel Bills and the Cost of Living: How to Stay in Control

    This article was published on 7 January 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    As winter sets in, rising energy prices and the wider cost of living continue to put pressure on household finances. Managing winter fuel bills can feel especially challenging when balancing work, family life, and long-term financial security.

    While we can’t control the weather, there are practical steps you can take to stay in control of your winter fuel bills and protect your finances during the colder months.

    Why winter fuel bills hit harder

    Energy use naturally increases during winter as heating, lighting, and hot water are used more frequently. Combined with ongoing cost of living pressures, this can quickly add up. Planning ahead and making small changes now can help reduce stress later in the season.

    Practical ways to reduce winter energy costs

    You don’t need to overhaul your entire home to make a difference. Small, sensible steps can help keep bills manageable:

    • Check your heating controls: Lowering your thermostat by just one degree can reduce heating costs without sacrificing comfort.
    • Improve insulation: Draught excluders, thicker curtains, and loft insulation can help keep warmth in.
    • Use energy efficiently: Only heat rooms you use regularly and switch off appliances when not in use.
    • Review your energy tariff: If possible, check whether you’re on the best deal for your circumstances.
    • Plan your budget: Spreading energy costs through monthly direct debits can make bills more predictable.

    Protecting your home during winter

    Winter can also bring an increased risk of home-related issues, such as burst pipes, storm damage, or frozen plumbing. These problems can be costly and disruptive, especially at a time when finances may already feel stretched.

    That’s why it’s important to ensure your home is properly protected. Having the right Home Insurance in place can help give peace of mind that, if the unexpected happens, you’re financially covered and supported.

    Simple winter home checks to consider

    • Insulate exposed pipes to prevent freezing
    • Clear gutters to reduce the risk of water damage
    • Check your boiler before temperatures drop
    • Know where your stopcock is in case of emergencies

    Protecting your home with Insurance

    Taking a moment to review your cover could be a valuable step toward greater peace of mind this winter. Find out more about Police Mutual Home Insurance and see how it could help protect your home and finances this winter.

    Police Mutual Home Insurance is provided by Bspoke Underwriting Ltd.

    Photo by sian-wynn-jones on Unsplash

    Sarah Blair

  • Blue/Brew Monday 2026

    Blue/Brew Monday 2026

    19 January 2026

    This article was published on 05 January 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Blue Monday is the name given to the third Monday of January every year. It is claimed to be the most depressing day of the year. The reasons for this include factors like the cold, wet weather, short daylight days, Christmas debt, the time elapsed since your last pay day, Christmas seems like a distant memory, you’ve already failed with your New Year’s resolutions, and it feels like a long time until the summer. For most of us this means our motivational levels are low.  In more recent years, the day has been re-named as Brew Monday, in order to encourage people to spend some time talking to each other whilst having a cuppa.

    January is usually the month when you understand just how much Christmas has cost you. Every year, thousands of us dread the credit card bills arriving and this is when the financial hangover from Christmas become reality. This is to be expected, as Christmas is the most expensive time of the year, with many people using their credit cards and overdrafts to pay for the festivities. If this has affected you this year, read our Winter Wellbeing guide here.

    Many people don’t believe Blue Monday is real and that it’s just a marketing plan to help sell more summer holidays, but we do know that during the winter months, with shorter, darker days we generally spend more time indoors, which can have a negative impact on our   mental health. Some people suffer from seasonal affective disorder (SAD) which can increase depression and anxiety. With January coming straight after the highlight of Christmas and also for many a month where the Christmas spending credit card bill has arrived, it’s not surprising that January tends to be the least favourite month of the year for many people. It is therefore vital that you make an effort to protect your wellbeing.

    Stress and anxiety can be caused by many things, not just financial worries, including, work deadlines, relationship problems and home life.

    Stress isn’t a mental health condition, but it may lead to one, like anxiety or depression or it can cause an existing one to get worse. Stress can also affect you physically, it can cause headaches, insomnia, tiredness or stomach problems.

    For more information on managing worries and stress read our guide here.

    Some ways you can combat Blue Monday

    Sunlight

    Natural light helps stabilise serotonin and triggers endorphins, both mood-boosting hormones. Try to get outside as much as you can during the day to give your wellbeing a positive boost.

    Be sociable

    You can achieve this without spending lots of money. You could host game and movie nights for your friends, this could be virtual, regularly talk to your loved ones or go for a walk with a friend.

    Set achievable targets

    If you’re struggling to keep your New Year’s resolutions, re-set them now or set a new goal to achieve around Blue Monday.

    Be realistic

    Understand that you may feel low during January, the reasons why this is the case and that’s its ok to not be ok and it should pass. If it doesn’t or how you are feeling is more than just the January blues, then talk to someone and get some help.

    Exercise

    Walking, swimming and cycling will boost endorphins and will leave you feeling calmer and happier.

    Money & Stress

    With money worries being one of the largest wellbeing challenges facing us during January, it’s important to start talking about money worries before your situation gets worse.

    Worrying about money can negatively affect your mental health and for those people experiencing mental health problems it makes it harder to manage their finances.

    The stress of dealing with financial pressures does not just affect your personal life. It can affect your work, family life, health, and relationships. It’s therefore important to talk about money worries.

    • For more tips on how to spend less read our guide here.
    • For more details on debt, read our debt awareness guide here.

    Where to get help

    Worrying about money can be extremely stressful and may lead to mental health conditions. Police Mutual are here to help.  We want to break down the stigma surrounding debt and get people talking about money.

    We’ve teamed up with PayPlan*, one of the UK’s leading free debt advice providers, who offer free and confidential advice to anyone in serious financial difficulties.

    They’re able to advise you on a range of debt solutions suited to your individual circumstances,

    helping to protect you and your family with a sustainable way to manage your debt.

    Get free and confidential help to combat your debt, call PayPlan* on 0800 197 8433.

    To read more of our wellbeing guides take a look at our Wellbeing Hub here.

    *PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham, NG31 0EA. Totemic Limited is authorised and regulated by the Financial Conduct Authority. Financial Conduct Authority Number: 681263.

    Alex Mculty

  • Making the Most of Your Annual Leave: Rest, Recharge, and Reset

    Making the Most of Your Annual Leave: Rest, Recharge, and Reset

    This article was published on 29 December 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    As a new year begins, it’s the perfect time to pause and think about how you’ll use your annual leave in the months ahead. For many in the Police family, time off can feel like a luxury – but proper rest isn’t just a treat, it’s essential for your wellbeing.

    Whether you’re planning a getaway, a few long weekends, or simply time to recharge at home, here’s how to make your leave work harder for your health, happiness, and peace of mind.

    The Importance of Taking Time Off

    Policing is a demanding job, both physically and mentally. Even short breaks can make a real difference to your mood, energy levels, and overall performance.

    Taking regular time off helps to:

    • Reduce stress and prevent burnout.
    • Improve focus and decision-making when you return to work.
    • Strengthen relationships with family and friends.
    • Give your body and mind a much-needed reset.

    Think of annual leave as an investment — in your wellbeing, your resilience, and your long-term effectiveness.

    Budget-Friendly Ways to Recharge

    You don’t need a big budget or long-haul flight to make time off count. The best rest often comes from simple pleasures and a change of pace.

    • Plan mini breaks throughout the year – even a three-day weekend can feel like a full reset.
    • Explore locally by visiting nearby towns, museums, or countryside walks you’ve never had time for.
    • Try a digital detox – switch off notifications and be present with family, hobbies, or nature.
    • Prioritise rest – give yourself permission to slow down, sleep in, or spend a day doing nothing.

    Rest doesn’t have to be expensive; it just needs to be intentional.

    Make Wellbeing Part of Your Plans

    As you plan your annual leave for the year ahead, think beyond travel and to-do lists. How can you use this time to support your wellbeing?

    You might choose to take leave around key family moments, use a few days to catch up on sleep, or build a routine that leaves space for hobbies and relaxation. The goal is to return feeling restored, not rushed.

    For more tips, resources, and wellbeing advice tailored to the police community, visit the Police Mutual Wellbeing Hub.

    Sarah Blair

    ,

  • Dry January 2026

    Dry January 2026

    This article was published on 22 December 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    As the New Year arrives, many of us start to think about New Year’s resolutions, the most popular resolutions are usually concerning health and diet, to do more exercise or lose weight. Financial orientated ones are also popular, with many of us wanting to send less or save more money.

    One of the most popular campaigns is Dry January and if you achieve it, it should help improve your overall wellbeing by improving your physical and mental health and by reducing the amount you spend.

    Dry January is the annual movement where millions of people give up alcohol for the month of January. It is run by the charity alcohol change UK, a leading UK alcohol charity. The campaign was first introduced in 2013 and grows larger and larger each year. In 2022, around 8 million people took part in the wellbeing event.

    By agreeing to Dry January, you are committing to not drink alcohol from when you wake up on New Year’s Day until 1 February.  However, it doesn’t have to end there. Dry January is about behaviour change. It helps people to break habits they’ve fallen into and make long-term changes for the better. It helps us remember that we don’t need alcohol to have fun, relax, celebrate, unwind or anything else. It puts you back in control of your drinking. According to Alcohol Change UK, research shows that 70% of people who take part in Dry January have significantly improved wellbeing and lower alcohol health risks six months later.   

    Alcohol plays a significant role in our lives and culture, with many of us drinking to celebrate, socialise and relax. However, there is a significant proportion of the UK population who have an unhealthy relationship with alcohol. Alcohol is linked to more than 60 health conditions, including liver disease, high blood pressure, depression, and cancer.

    There are many health benefits of not drinking alcohol or reducing the amount you drink, and these include:

    Sleeping – alcohol can intensify certain sleep conditions like snoring. If you have improved quality of sleep, you will have more energy.

    • Financial savings – put aside the amount you would have spent on alcohol each week and see how much you save during the month. If you continue to not drink or reduce the amount you are drinking over the rest of the year, this saving you make could buy you a treat or help to pay off any debts you have.
    • Weight loss – a pint of a 5% strength beer contains 239 calories, with a standard glass of wine consisting of around 133 calories. So, giving up alcohol for 4 weeks or longer can make a noticeable impact on your weight.
    • Mental health – regular alcohol consumption decreases the levels of the brain chemical serotonin – a key chemical in depression. By avoiding alcohol, your serotonin levels will increase and help regulate your mood.
    • Improve your skin – alcohol can cause puffiness and acne. By cutting out alcohol your skin will improve over time. A month alcohol free has a lot of benefits, research published in 2018 in the British medical journal found that a month off lowers blood pressure, reduces diabetes risk, lowers cholesterol, and reduces levels of certain cancer related proteins in the blood.

    A month alcohol free has a lot of benefits, research published in 2018 in the British medical journal found that a month off lowers blood pressure, reduces diabetes risk, lowers cholesterol, and reduces levels of certain cancer related proteins in the blood.

    In order to track Dry January, use the alcohol change UK App

    Know your units – how much alcohol is too much?

    To keep health risks of alcohol at a low level, the recommended safety limits for alcohol consumption is for men and women not to drink more than 14 units a week on a regular basis.

    It’s also advised that at least 2 days a week should be alcohol free.

    Regularly drinking above recommended daily limits risks damaging your health.

    Your weekly units should not be saved up for the weekend and then binge drinking.

    Top tips for alcohol reduction:

    • Alternate an alcoholic drink with a non-alcoholic one.
    • Have at least two alcohol free days a week.
    • Find alternative ways to relax when you are stressed.
    • Avoid drinking on an empty stomach.
    • Sip your drink slowly so it lasts longer.
    • Don’t top up your glass before you have finished a drink so you can keep an eye on exactly how much you are drinking.

    To check how many units you have drunk, use the alcohol change UK’s unit calculator here.

    After the month you may consider giving up alcohol for longer or reducing the amount you drink to improve your wellbeing.

    If you do start drinking again remember that your tolerance to the effects of alcohol will likely be much lower, so be careful not to overdo it the first time you choose to drink again.

    Your New Year’s resolutions may include other lifestyle improvements instead of or as well as stopping or reducing drinking alcohol. These may include to eat healthier, increase the amount of exercise you do or to stop smoking.

    Read our various wellbeing guides to help

    • To read our healthy eating guide click here.
    • To look after your mental wellbeing read our guide here.
    • If you want to stop smoking read our guide here.

    To read more of our wellbeing guides take a look at our Wellbeing Hub here.

    Alex Mculty

  • Boost your kerb appeal: Small changes that could help your mortgage application

    Boost your kerb appeal: Small changes that could help your mortgage application

    This article was published on 17 December 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Applying for a mortgage? Your property’s kerb appeal could make a difference. Lenders and valuers often consider how well a home is maintained when assessing its value. The good news? You don’t need a huge budget, just a few smart changes can make a difference.

    What is kerb appeal?

    Kerb appeal is all about how inviting your home looks from the street. Picture a potential buyer arriving for a viewing, what’s their first impression as they stand outside?

    The condition of your brickwork, the tidiness of your front garden, and even the look of your front door all contribute to that initial wow factor.

    Why kerb appeal matters for mortgage applications

    Mortgage lenders often send a valuer to assess your property. A well-maintained exterior signals care and stability, which can support a higher valuation.

    Five easy kerb appeal tips to boost property value

    1. Refresh your front door

    Your front door sets the tone. A fresh coat of paint in a neutral or modern shade can instantly elevate your home’s look. Upgrade door hardware for a sleek finish.

    2. Tidy up the garden

    First impressions count. Mow the lawn, trim hedges and add potted plants or seasonal flowers. A neat garden suggests a well-cared-for property.

    3. Clean and repair pathways

    Dirty or cracked paths can drag down your home’s appeal. Power-wash driveways and replace broken paving stones for a clean, safe entrance.

    4. Update house numbers and lighting

    Clear, stylish house numbers and outdoor lighting improve both aesthetics and security. Solar lights can be relatively affordable and eco-friendly.

    5. Declutter the exterior

    Remove old bins, broken furniture, and unused garden tools. A clutter-free exterior creates a sense of space and order.

    Quick kerb appeal checklist

    • Paint front door
    • Trim garden
    • Clean driveway
    • Upgrade lighting
    • Remove clutter

    FAQs

    Q: Does kerb appeal really affect mortgage approval?
    Yes, valuers consider property condition when assessing value, which can influence your mortgage offer.

    Q: How much should I spend on kerb appeal improvements?
    Most changes cost under £150 paint, plants and cleaning supplies go a long way.

    Q: Can kerb appeal help sell my home faster?
    It could do as a well-presented exterior attracts buyers and may lead to quicker sales.

    A great kerb appeal doesn’t just make your home more attractive to potential buyers, it can also have a positive impact on your finances. As Daniel Mumford, Managing Director at Grange Mortgage and Protection Services Limited, explains:

    “A great kerb appeal not only makes your house more enticing to prospective purchasers if you’re looking to sell, but could also increase the value of your home. If you’re considering re-mortgaging, this added value could mean you have more equity and may qualify for cheaper interest rates going forward. This could equate to hundreds of pounds in savings over several years.”

    For more information on the Police Mutual Fee-Free mortgage advice service, provided by Grange Mortgage & Protection Services Ltd click here.

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    Sarah Blair

    ,

  • Electric Vehicles – A Quick Guide

    Electric Vehicles – A Quick Guide

    This article was published on 08 December 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    As the UK Government moves toward phasing out new petrol and diesel cars and vans by 2030, we thought now was the perfect time to provide you with a refreshed guide to electric vehicles (EVs).

    What is an Electric Vehicle (EV)? 

    The Parliamentary Office of Science and Technology official description is:

    Electric Vehicles use electric motors to drive their wheels. They derive some or all of their power from large, rechargeable batteries. The distance an EV can drive between recharges is known as its range.

    Let’s have a look at the different types and some of the names you might have heard of: 

    • All-electric EVs – where the battery is the only power source. The range (distance they can travel) will vary, according to driving style, terrain and the use of auxiliary equipment such as heating/air conditioning.
    • Plug-in Hybrids (PHEVs) -can switch between running on electricity, petrol or diesel. They typically have a smaller battery, and therefore a lower battery powered range of between 10-40 miles. However, their maximum range is equivalent to a petrol or diesel car. Both Plug-in Hybrid and all-electric EVs are recharged by plugging them in to the electricity grid.
    • Hybrids (HEVs) – which do not plug in, such as the Toyota Prius, have a much smaller battery which is recharged while driving. HEVs can drive in electric mode for a few miles and then revert to using petrol or diesel.
    • Fuel Cell Vehicles -generate their own electricity on-board from a fuel such as hydrogen, and do not need to plug in to the electricity grid to recharge. Re-fuelling is similar to a petrol or diesel car.

    Which type of EV is best for me? 

    This is a personal choice and will be dependent on several factors including, affordability, the type and distance of journeys you make and charging infrastructure where you live.

    According to a UK Government report, 99% of car journeys in England are under 100 miles, so most could be made by an EV without needing to recharge.

    How much do EVs cost?

    Currently EVs cost more to buy than a comparable petrol or diesel vehicle. While they have fewer mechanical parts than conventional vehicles, battery prices are a substantial cost. Many modern EVs use lithium-ion batteries and it takes a lot of time and effort to turn raw lithium into something that can be used. Some manufacturers offer incentives and lease plans for the battery, so include this is your car purchase research.

    Can I get any help with buying an EV from the Government?

    Yes. The Government’s new Electric Car Grant launched in July 2025 and offers up to £3,750 off the cost of a new electric car, helping more drivers make the switch. The initiative also supports sustainable manufacturing across the automotive sector. The grant is only available for vehicles that have been approved as eligible and the list of cars/vehicles eligible for the grant can be found here: Eligible Grant Vehicles. It’s worth noting that the list is regularly updated and you don’t need to apply for it – your car dealer or manufacturer will handle this for you.

    Will I have to pay road tax (VED)?

    Yes. Since 1 April 2025, EV’s have no longer been exempt from Vehicle Excise Duty (VED) and have to pay an amount dependent on when the car was first registered and the list price, when it was new.

    It is also worth noting that in the recent 2025 Budget, the Government announced that they will start to charge EV and PHEV owners, a “pay-per-mile” charge, from 1 April 2028. The consultation on this change has only just started, so look out for further information on this.

    Vehicle range

    While vehicle range isn’t an issue with hybrids, as they will run on petrol and diesel, in addition to electric, vehicle range has always been a concern for drivers. It’s therefore encouraging to hear that according to the Society of Motor Manufacturers and Traders (SMMT), the average range of a new electric car on sale in the UK today is almost 300 miles. That’s up from 235 miles in 2024. Of course, some of this will be reflective of the driving conditions, roads and the way you drive, plus use of air conditioning and technology within the vehicle.

    Charging points

    The term “range anxiety” describes a very real fear of running out of battery and knowing where to charge it up.

    While you can have a charger fitted at home, clearly there will be times when you need to recharge when out and about.

    The good news is that the number of charging points is increasing. According to Zap Map the number of charging points grows by the day and at the end of October 2025, there were 86,798 electric charging points across 44,142 charging locations (UK only). Since October 2024 the public network has grown by 22%.

    In October 2025, 777 new charging devices were added to the Zap-Map database. You can view local ones to you or your journey at zap map live – you might not have even known they were there!

    What about insuring your EVs

    Do I need specialist insurance?

    The simple answer is no. Whilst you can buy specialist insurance for your EV, most major insurers now cover electric cars.

    Does it cost more to insure an EV?

    This can depend on the EV you choose, but according to wepoweryourcar.com, on average, insurance is more expensive than petrol and diesel vehicles in the UK.

    This could be linked to expensive parts, higher repair costs and the availability of garages with qualified mechanics. While electric cars have fewer moving parts than petrol or diesel vehicles, some components like the lithium-ion batteries are very expensive to repair if damaged.

    Insurance from Police Mutual

    Police Mutual Car Insurance offers policies for a range of EVs. You don’t need to buy a special EV policy and you can get a quote in the usual way.

    You can either call us on 0151 242 7640 or go online at policemutual.co.uk/car

    Police Mutual Car Insurance is provided by ERS.

    PMGI Limited, trading as Police Mutual, is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 114942. Registered in England & Wales No. 1073408. Registered office: Brookfield Court, Selby Road, Leeds, LS25 1NB.

    For your security, all telephone calls are recorded and may be monitored.

    Alex Mculty