• 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).

    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.

    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.

  • International Volunteers Day 2025

    International Volunteers Day 2025

    5 December 2025

    This article was published on 01 Dec 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.

    International Volunteers Day takes place 5 December every year and is a chance to recognise the fantastic contribution volunteers make to our communities and to say thank you.

    Volunteers play a key role in making a difference to our communities.

    Today is a great time for us to thank all volunteers for their invaluable contribution and also consider volunteering ourselves.

    Volunteering doesn’t just help others and the community but is has also shown to improve volunteers’ wellbeing too.

    It’s human nature to feel good after helping someone out. But volunteering can also help you gain valuable new skills and experiences, boost your confidence and be your chance to make a difference.

    People choose to volunteer for a variety of reasons. For some it offers the chance to give something back to the community or make a difference to the people around them. For others it provides an opportunity to develop new skills or build on existing experience and knowledge. Regardless of the motivation, by volunteering they are making a difference to the community.

    Volunteering is a hugely valuable and rewarding experience for the volunteers and the communities they support.

    There are many reasons to volunteer, including:

    Community – volunteering helps us giveback to those around us, particularly in the community we live or work in. When you volunteer you strengthen your community, improve the environment you live in, give something back to an organisation, make a difference to the lives of others and help others less fortunate or without a voice.

    Volunteering enables people to play an active role in society and contribute to positive social change. Volunteers support vulnerable people in society and enable them to live a healthy and rewarding life.

    This could mean support with things we take for granted, such as practical help at home for disabled or older people, mentoring a care leaver and helping them to find their feet as an adult, or taking part in a litter pick or at a local scouting group.

    Your mental health and self-esteem – volunteering also makes you feel good. In fact, a study has shown that not only is volunteering associated with increased happiness and lower depression, but it also reduces the risk of premature death.

    This is especially true if you enjoy volunteering and feel valued and part of a team. You will spend quality time away from work or your busy lifestyle and be in the moment. It may help you gain confidence and improve your self-esteem. Volunteering can also help to improve your mental health.

    Evidence suggests there are 5 steps you can take to improve your mental health and wellbeing. One of which is to give to others, research suggests that acts of giving and kindness and being part of community life can improve your mental wellbeing. For more details on the 5 steps to mental wellbeing click here.

    Action for Happiness list ten key ingredients for a happy and fulfilling life: giving, relating, exercising, awareness, trying out, direction, resilience, emotions, acceptance and meaning. Volunteering ticks most if not all of these boxes. For more details click here.

    Your Physical health – there are lots of different ways you can volunteer, but many of them involve physical tasks, like litter picking, dog walking for a local shelter, wildlife conservation and sports coaching, all of which will help keep you fit whilst you are also enjoying nature and the outdoors.

    There is lots of anecdotal evidence that volunteering has a positive impact on both your physical and mental health.

    Social – volunteering is a way to get a better understanding of people, cultures, places, and organisations which can also lead to more social connections.

    Researchers believe that volunteering can extend a person’s life because humans thrive on social connections. Eye contact and smiling for example release the hormone oxytocin, which helps us handle stress better. Social interaction improves mental and physical health. When you volunteer you strengthen your social network, you make connections with the people you are helping, and you cultivate friendships with other volunteers. Volunteering creates stronger bonds between friends, family, and co-workers. People build closer relationships, better connections, and more powerful attachments to people when they work together.

    Personal Development – volunteering is an opportunity to learn new skills and can boost employment prospects. For some people, volunteering can be a route to employment, or a chance to try something new which may lead to a career change. Volunteering can also be a way of enhancing a CV, improving employment prospects, gaining an accreditation, or using your existing professional skills and knowledge to benefit others.

    By volunteering in a specific profession, you can gain valuable experience for a future career, for example, becoming a Police Special before joining the force.

    Values – volunteering can satisfy personal values or humanitarian concerns. For some people this can have a religious component. For instance, helping those less fortunate is a large part of Christianity and the concept of karma in Hinduism means those good deeds come back to you.

    People who volunteer, report a greater sense of purpose and meaning in their lives.

    Volunteering within the Police Service

    There are many volunteering roles within and connected to the Police Service, including the Special Constabulary, Police Chaplains, Police Service Volunteers and our own volunteer network.

    Police volunteering roles provide an opportunity to do something worthwhile in your spare time, making a real difference to your local Police Force and to your community.

    It allows you to become involved with Policing and to be part of the Policing family and to make a positive contribution to your area.

    Police Mutual Volunteer Network

    At Police Mutual we have a volunteer network who represent Police Mutual customers within their own forces.

    Our volunteers are a vital part of the team and assist us hugely in promoting the financial wellbeing support we offer. Their assistance and advocacy are greatly appreciated.

    We would like to thank all of our volunteers for their continued support.

    Do you want to give something back and make a difference with your spare time? Many serving and retired Police Service employees volunteer.

    If you’re interested in volunteering, here are some websites where you can find out more information:

  • International Day of People with Disabilities 2025

    International Day of People with Disabilities 2025

    3 December 2025

    This article was published on 28 Nov 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.

    International Day of Disabled Persons is the 3 December. First launched in 1992, the day is hosted by the United Nations (UN) and encourages business leaders across the globe to value the unique contributions of disabled people. For more information click here.  The theme for this year is ‘Fostering disability inclusive societies for advancing social progress’.

    The day is about promoting the rights of people with disabilities in all areas of society. It aims to increase the awareness and wellbeing of disabled people in all aspects of their life.  It acts as a reminder for us all to combat the discrimination many disabled people still face.  The World Health Organisation (WHO) joins the UN in observing this day each year, highlighting the importance of securing the rights of people with disabilities, in order for them to participate fully, equally and effectively in society, and face no barriers in all aspects of their lives.

    WHY INTERNATIONAL DAY OF PERSONS WITH DISABILITIES IS IMPORTANT

    • Celebration – to recognise and value the diversity of our global community, and to celebrate the role we all play, regardless of our abilities.
    • Learning – to understand and learn from the experiences of people living with a disability.
    • Optimism – to look forward to a world where a person is characterised by their abilities not their disabilities.
    • Awareness – to build awareness of people with disabilities, as people with disabilities sometimes feel invisible in our society. To reduce any stigma and discrimination those with disabilities may feel.
    • Legal – Under the Equality Act 2010, which prohibits discrimination against people with the protected characteristics that are specified in the Act. Disability is one of the specified protected characteristics.

    Just because you can’t see it, doesn’t mean that it is not there

    Some disabilities, like mental health disorders, chronic pain and fatigue, are invisible, but that does not make them any less devastating to someone’s quality of life.  

    Non-visible disabilities, also known as invisible or hidden disabilities are not immediately obvious. They can be physical, mental, or neurological and include, autism and Asperger syndrome, cognitive impairments such as learning disabilities and dementia, mental health conditions and speech, visual impairments or hearing loss, as well as many other conditions. They also include respiratory and chronic conditions such as asthma, diabetes, chronic pain and sleep disorders when these significantly impact day-to-day life.  Some physical disabilities are not always visible until in their later stages, this include conditions like Multiple Sclerosis.

    And often, many people experience a combination of both visible and non-visible impairments and conditions.

    Globally 1 in 6 of us live with a disability. And of those, 80% are invisible. That is over 1 billion people or roughly 1 in 8 people are living with a non-visible disability.

    The more we all understand about both visible and non-visible disabilities, the more we can help to improve the lives of people experiencing them. Some people with a non-visible disability choose to wear a Sunflower lanyard with details of their condition.  For more details click here.

    Overall, the day is to help everyone become more compassionate and understanding of the challenges faced by people with disabilities. To ensure that all people in the world have equal opportunities for work, play, health, and success. To appreciate that people with disabilities are valued members of society.

    Getting information, help and support

  • Grief Awareness Week 2025

    Grief Awareness Week 2025

    2-8 December 2025

    This article was published on 26 Nov 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.

    Grief Awareness Week is run by the Good Grief Trust Organisation.  The aim of the week is to raise awareness of the impact of grief and to break the taboo around talking about grief.  This year the theme is Growing with Grief, for more details click here.

    Signs and symptoms of grief

    There is not a correct way to feel when you are grieving.  Bereavement, grief, and loss will cause different symptoms and they affect people in different ways. Some of the most common symptoms include:

    • Shock and numbness
    • Overwhelming sadness
    • Tiredness or exhaustion
    • Anger – towards the person you’ve lost or the reason for your loss
    • Guilt – this could be due to many things, including not being with the person when they died, not saying something to them, or not being able to stop your loved one dying.

    These feelings may not be there all the time and powerful feelings may appear unexpectedly.

    For more details click here.

    Looking after yourself following a bereavement

    • Take care of your wellbeing: make sure you get enough sleep, eat regular meals, rest, and relax.
    • Be clear on expectations: make sure you know what is expected of you and whether it is realistic.
    • Exercise: taking regular exercise, like walking, running, and cycling can help you relax and increase wellbeing.
    • Talk to others: make time to talk to your family and friends about how you’re feeling, or if you would find it easier contact Cruse on 0808 808 1677.

    Explain to family and friends what they can do to help, don’t be afraid to ask for practical support.

    Try to keep to a regular routine of getting up and dressed and eating meals at the usual time, whether you are on your own or part of a family group. The structure will help, even if only a little.

    You may find you have days when you have more energy, and the grief isn’t as consuming – this is normal. Some people can feel guilty when this happens, but there is no need. It is all a normal part of grieving. Equally if you are really struggling that is also normal. Please don’t feel guilty or angry with yourself.

    What to say when someone is grieving

    It is normal to feel worried about saying the wrong thing to the bereaved, but it is more important that you say something than finding the perfect words. You may find the tips below useful:

    • It is important to acknowledge their loss and offer your condolences, saying how sorry you are that their friend or family member has died.
    • The bereaved may want to talk about the person and tell you stories, they may cry through these stories. You may find this really hard to hear but just being there and listening can be a great comfort. You can’t fix their pain, but you can listen.
    • Don’t be afraid to ask more about the person who has died. Allowing the bereaved person to talk and share their feelings with you can make a real difference.
    • Ask if there is anything practical that you can do to help at that time.
    • You could also signpost the bereaved to services such as Cruse for them to access support. 

    Helping children to cope with death

    Children and young people need to be given the opportunity to grieve as any adult would. But it is also important to remember that children and young people grieve in different ways. A child’s understanding of death and the nature of their bereavement will be different at different stages of development. Children will experience both physical and emotional reactions to death. Emotional reactions may include shock, denial, anger, depression, guilt. Physical reactions may include disturbed sleep, loss of appetite, challenging behaviour, and developmental delays.

    Useful links:

    Some key points to remember concerning children, young people, and grief:

    • No bereaved child or young person will respond to the death of someone close in the same way.
    • Keep the structure of the bereaved child or young person’s day/night as routine as possible.
    • Allow the bereaved child or young person to say how they feel and do not be offended if they are angry with you or do not want to talk.
    • Give the bereaved child or young person the time to explore their grief and support them as they mourn.
    • Do not feel that you have failed if you need to seek professional help for the bereaved child or young person. You are doing the right thing.
    • Put in place appropriate boundaries if a grieving child or young person is hurting themselves or others and explain why such boundaries are necessary.
    • Do not dismiss a bereaved child or young person’s real or perceived illness.
    • Talk things through with them in an open and honest way, remembering to listen to the child or young person.

    What to do when someone dies

    Working out what to do first when someone dies can seem overwhelming. Besides letting family and friends know, there are several organisations you need to notify when a person has passed away. As well as arranging the funeral and dealing with the financial affairs of someone who has died.

    Useful links:

    Everyone responds to death differently there is no right or wrong way to respond. If you have experienced the loss of a loved one you may need to access professional support. Similarly, if you are supporting someone who has been bereaved you may need support for yourself.

    Where to get help:

  • Ending the Year with a Bang – Police Mutual Christmas 2025 Prize Draws!

    Ending the Year with a Bang – Police Mutual Christmas 2025 Prize Draws!

    Throughout 2025, we’ve celebrated our amazing Police community with four regional prize draws, creating 10 lucky winners along the way. These draws are our way of saying thank you for the incredible work you do every day.

    Now, we’re finishing the year in style with Police Mutual’s FREE Christmas Prize Draw giving you five more chances to win and end the year on a high note!

    Feeling Lucky? £750 up for grabs every week until Christmas!

    • 5 weekly draws – £750 each week
    • Enter in Week 1 = 5 chances, Week 3 = 3 chances
    • Enter once and you’ll be included in all remaining draws

    Final entry: 21/12/2025

    Click here to enter. Police personnel and their families can enter the prize draw.

    Terms and conditions apply.

    Who Can Enter?

    • Serving and Retired Police Officers
    • Police Staff and PCSO’s
    • Special Constables
    • Immediate family members of the above

    Important Dates

    • Final entry dates: 23 Nov | 30 Nov | 7 Dec | 14 Dec | 21 Dec 2025
    • Draw dates: 24 Nov | 1 Dec | 8 Dec | 15 Dec | 22 Dec 2025
    • Prize delivery: Within 7 days (subject to T&Cs)

    The prize draw is open to UK residents aged 18 and over. You must be eligible for Police Mutual products. No purchase necessary. One entry per person.

  • Stay Safe on the Road: Winter Driving Tips for the Police Family

    Stay Safe on the Road: Winter Driving Tips for the Police Family

    This article was published on 24 Nov 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.

    Winter brings its own set of driving challenges, with darker days, slippery roads, and unpredictable conditions. As someone in the Police community, safe driving may come naturally to you, but it’s still a good opportunity to share these reminders with family members who may not face such conditions every day.

    Winter Car Essentials

    A little preparation goes a long way during the colder months. Before you head out, take a few minutes to check your car and make sure it’s winter-ready.

    1. Check your fluids and battery

    Regularly check your oil levels, battery health, and lights to ensure everything is in good working condition. Batteries can struggle in cold weather, so make sure yours is fully charged and consider a professional battery check if it’s more than a few years old.

    2. Be ready for frost and ice

    Keep de-icer and an ice scraper in your glove compartment – and a spare set in your boot just in case. Remember to never pour boiling water onto your windscreen as it can crack the glass.

    3. Check your tyres

    Good tyre grip is vital for safe winter driving. Use the 20p coin test: insert the coin into your tyre’s tread grooves — if you can see the coin’s outer band, it’s time for new tyres. If in doubt, get your tyres professionally checked.

    4. Check wipers and screen wash

    Replace worn wiper blades and use a winter-grade screen wash with a higher concentration to prevent freezing. You’ll use it more often in winter, so top it up regularly.

    5. Pack a winter emergency kit

    Be prepared for unexpected delays or breakdowns. Your emergency kit should include:

    • A shovel
    • High-visibility vest and warning triangle
    • Torch and spare batteries
    • Blanket and warm clothing
    • Jump leads
    • First aid kit
    • Don’t forget some snacks or chocolate!

    Many garages offer winter car checks, so don’t hesitate to ask for help if you’re unsure.

    Before you set off

    Planning ahead makes a big difference in winter driving safety.

    • Check the weather forecast and road updates before you travel.
    • Allow extra time for your journey to account for poor conditions or delays.
    • Avoid driving tired – fatigue contributes to many winter accidents. Take regular breaks and share the driving where possible.
    • Keep valuables out of sight – especially important during the festive season when gifts and shopping are in your car. Store them safely in the boot.

    Check your breakdown cover

    Breakdowns are more common in winter, so it’s worth double-checking your breakdown cover before the cold weather hits. Make sure you know what level of assistance you have – especially if you regularly travel long distances or in rural areas.

    Car Insurance and Breakdown Cover for the Police Family

    At Police Mutual, we offer both car insurance and breakdown cover exclusively for serving or retired Police Officers, Police Staff, and their families.
    You won’t find us on comparison websites – because we’re here just for the Police community.

    Find out more: Visit our insurance pages or call 0151 242 7640 for further details.

    Car Insurance is provided by ERS.

    Breakdown Cover (Police Mutual Rescue) is provided by ERS.

  • Common Causes of Vehicle Breakdowns and How to Prevent Them

    Common Causes of Vehicle Breakdowns and How to Prevent Them

    This article was published on 17 Nov 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.

    Vehicle breakdowns can happen at any time – day or night, weekday or weekend. While there’s never a good time for your car to stop working, knowing the most common reasons can help you prepare, prevent issues, and get back on the road faster.

    In this guide, we’ll cover the top causes of car breakdowns and what you can do to reduce the risks.

    1. Battery Problems

    A flat or faulty battery is one of the most common reasons for a breakdown. Causes include:

    • An old or failing battery
    • Short, infrequent journeys that don’t allow for a full recharge

    Prevention tips:

    • Consider charging your battery overnight every few weeks
    • Replace your battery every 3-5 years, depending on usage

    2. Alternator Issues

    The alternator recharges your battery and powers your car’s electrical systems.

    Warning signs:

    • Flickering battery light
    • Dim headlights
    • Potentially, slower than normal windscreen wipers

    Unfortunately, alternators can’t be maintained, but spotting early warning signs helps avoid sudden failure.

    3. Starter Motor Failure

    The starter motor draws power from the battery to start the engine when the car ignition is switched on.

    There’s little you can do to avoid starter motor issues, but regular servicing can help catch problems before they worsen.

    4. Tyre and Wheel Damage

    Punctures, blowouts, or damage can happen anytime—often caused by debris or under-inflated tyres.

    Prevention tips:

    • Check tyre pressure and tread regularly, ideally when you make a stop to refuel
    • Keep a spare wheel or puncture repair kit in your car
    • Ensure tyres meet MOT standards year-round

    5. Misfuelling

    Every year, thousands of drivers put the wrong fuel in their cars. It’s easily done. Petrol mistakenly goes into diesel cars more often, as the petrol nozzle fits easily into a diesel filler neck.

    If you misfuel:

    • Do not start the car
    • Avoid turning the ignition (it primes the fuel pump)
    • Call your breakdown provider or garage for specialist help

    6. Electrical Problems

    Modern cars have increasingly complex electrical systems. Faults can affect everything from your headlights to the infotainment system.

    Tip: Other than replacing bulbs, leave electrical issues to a professional mechanic who can run diagnostics safely.

    7. Low Oil Levels

    Oil lubricates engine parts and prevents overheating. Running low can cause severe engine damage – even complete engine failure.

    Prevention tips:

    • Don’t rely only on the oil warning light
    • Use the dipstick regularly to check oil levels

    8. Lost Keys

    Locked out or lost keys? You’re not alone. Newer cars often use microchipped keys, designed to make them harder to steal, but makes replacements trickier.

    Tip: Keep a spare key at home, and if stranded, call your breakdown provider, car dealer or specialist locksmith.

    Breakdown cover that keeps you moving from £61.60 per year.

    Provided by ERS, Police Mutual Rescue unlike the AA or RAC, doesn’t have a fleet of branded vans, but utilises UK wide recovery specialists to rescue you 24/7 when your car breaks down.

    UK cover comes with:

    • Misfuelling cover
    • Lost keys and lock assistance
    • Home assistance
    • Onward travel provision should your car not be repairable

    Terms & Conditions apply.

    For full policy cover details including any exclusions, please call 0151 242 7640 or visit our breakdown page.

    Police Mutual Rescue (Breakdown Cover) is provided by ERS (Syndicate 218 at Lloyds).

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

  • Winter wellness tips for Police Officers and their families

    Winter wellness tips for Police Officers and their families

    This article was published on 3 Nov 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.

    Why winter wellness matters

    Winter brings more than just darker nights and colder shifts, it can also mean more colds, flu and feeling run down, especially if you’re juggling demanding work with family life.

    Whether you’re on patrol, working shifts, or supporting your team behind the scenes, staying well helps you show up strong for both your colleagues and loved ones. And remember, support is available through the Police Mutual Wellbeing Hub, designed with the policing community in mind.

    1. Keep warm and comfortable at home

    After long hours on duty, coming back to a warm, safe home is beneficial:

    • Try to keep your home at around 18°C if you can, especially in rooms you use regularly
    • Layer up, thermal socks, gloves and hats make a big difference on frosty mornings or night shifts
    • Hot meals and warm drinks help maintain your body temperature and boost morale
    • Make sure boilers and heaters are serviced and ventilate safely to avoid carbon monoxide risks

    2. Boost your immunity and prevent winter illness

    You’re exposed to a lot on the job, so protecting your health is key:

    • Stay up to date with flu jabs and COVID boosters if you’re eligible
    • Wash hands regularly, especially after dealing with the public or using shared equipment
    • Keep basic medicines stocked at home, especially if you’re working irregular hours
    • Encourage rest early if anyone in your household feels unwell
    • Eat well, vitamin-rich foods like citrus, leafy greens and whole grains support your immune system

    3. Stay active and get natural daylight

    Shift work and shorter days can zap your energy. Keep moving:

    • Fit in short walks, even during breaks or between shifts
    • Aim for 10–30 minutes of daylight when possible, great for vitamin D and mood
    • On rest days, try indoor activities like yoga, stretching, or even a family dance-off

    4. Look after your mental health in Winter

    Winter can be tough emotionally, especially with the pressures of the job:

    • Stick to a routine when you can, regular sleep and meals help stabilise mood
    • Make time for hobbies, mindfulness, or just switching off with a good film
    • Stay connected, whether it’s a quick call to a mate or a catch-up with family
    • If you’re struggling, reach out. Confidential support is available through occupational health or Police Mutual

    5. Support vulnerable family members

    Some loved ones may need extra care during winter:

    • Make sure children and older relatives have warm clothes and safe footwear
    • Offer help with shopping, prescriptions, or clearing icy paths
    • Check in regularly, especially if you’re working long shifts or nights

    Extra Peace of Mind with the Police Mutual Healthcare Scheme

    The Police Mutual Healthcare Scheme currently provides medical cover for over 20,000 Police Officers, Staff and their family members. Although it doesn’t cover minor illnesses such as colds and flu, it can provide support for more serious health concerns and offers access to a range of benefits including:

    • Access to in-patient and specialist treatment
    • Consultations and diagnostic support
    • Faster treatment options, helping reduce winter NHS waiting times
    • Pre-existing conditions (in the 5 yrs prior to joining the scheme), radiotherapy and chemotherapy, dental, cosmetic or emergency treatments are not covered. For full details please see the scheme rules.

    Healthcare is a discretionary scheme, not an insurance product. It is not regulated by the Financial Conduct Authority. For more information see Police Mutual Healthcare Scheme.

    The Healthcare Scheme is provided by PMHC Limited trading as Police Mutual.

  • World Diabetes Day 2025

    World Diabetes Day 2025

    14 November 2025

    This article was published on 31 Oct 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.

    World Diabetes Day was created in 1991 by the International Diabetes Federation and the World Health Organisation in response to growing concerns about the escalating health threat posed by diabetes. It is marked every year on 14 November, the birthday of Sir Frederick Banting, who co-discovered insulin along with Charles Best in 1922.  The theme of this years World Diabetes Day is Diabetes and the workplace.  For more details click here.

    Diabetes is a chronic disease that occurs either when the pancreas does not produce enough insulin or when the body cannot effectively use the insulin it produces. Insulin is a hormone that regulates blood glucose.

    It is a lifelong condition that causes a person’s blood sugar level to become too high.  There are 2 main types of diabetes:

    Type 1 diabetes – where the body’s immune system attacks and destroys the cells that produce insulin.

    Type 2 diabetes – where the body does not produce enough insulin, or the body’s cells do not react to insulin.

    Type 2 diabetes is far more common than type 1. In the UK, around 90% of all adults with diabetes have type 2. Men are more likely to develop type 2 diabetes than women.

    1 in 10 adults are now living with diabetes

    Preventing type 2 diabetes

    Type 2 diabetes is a serious condition. There are over 13 million people in the UK at risk of developing type 2 diabetes.

    There’s currently nothing we can do to prevent type 1 diabetes. However, research has shown that for many people, combined lifestyle changes, including an improved diet, increased physical activity, and sustained weight loss, can be effective in reducing the risk of type 2 diabetes.

    Type 2 Diabetes risk factors

    About 90% of people with diabetes have type 2 diabetes. It can come on slowly, usually over the age of 40. The signs may not be obvious, or there may be no signs at all, therefore it might be up to 10 years before you find out you have it. That’s why it’s very important to understand the diabetes risk factors.

    Your risk increases with age. You’re more at risk if you’re over 25 if you’re African-Caribbean, Black African, or South Asian or white and over 40.

    You’re also more at risk if you’ve ever had high blood pressure or if you’re overweight, especially if this extra weight is around your middle.

    Type 2 diabetes is serious. If you don’t get diabetes treated, it can lead to life changing complications. Including losing your sight, kidney failure or lead to a heart attack or a stroke.

    Know Your Risk – you can find out your risk of type 2 diabetes by using the Diabetes UK tool hereWhich only takes a few minutes.

    Before you use this tool, you’ll need to take a few measurements: your waist size, your height, and your weight. 

    You result

    The result will give you four possible levels of risk:

    • High
    • Moderate
    • Increased
    • Low

    The higher the risk level, the more likely it is that you’ll develop type 2 diabetes in the next 10 years.

    High risk

    One out of four people with high risk will get type 2 diabetes in the next 10 years. 

    Your high-risk result could be due to your ethnic background.  Type 2 diabetes is two to four times more likely in people of South Asian, African-Caribbean, or Black African descent.

    If you find out you’re at a high risk of developing the condition, then it is important to act now. You may have it without knowing, so it’s essential that you make an appointment at your GP surgery to have a simple blood test.

    Moderate risk

    One out of 10 people with moderate risk will get type 2 diabetes in the next 10 years.

    If you have a moderate risk, you need to visit your GP as soon as possible, as you may need a blood test to check for diabetes. Making some healthier lifestyle choices could help to reduce this risk level. 

    Increased risk

    One in 35 people with increased risk will get type 2 diabetes in the next 10 years.

    If you’re at increased risk, look at where you’re scoring points. Could you reduce your weight or waist size?

    Low risk

    One in 100 people with low risk will get type 2 diabetes in the next 10 years.

    Your risk of type 2 diabetes increases as you get older, so it’s important to maintain a healthy lifestyle to make sure your risk stays low.

    It’s important to regularly check your risk level, either by using the tool or by speaking to your GP, especially if anything changes, like if you’ve put on weight or feel unwell.

    Other risks

    Smoking is associated with a higher risk of type 2 diabetes, and also increases the risk of other health conditions such as heart disease and cancer.  Read our Stop smoking guide here.

    Gestational diabetes is a type of diabetes that affects pregnant women, usually during the second or third trimester. Read more here.

    Polycystic Ovary Syndrome PCOS is a condition that affects your ovaries.  Women who have PCOS are at an increased risk of developing type 2 diabetes. PCOS is associated with insulin resistance and therefore higher levels of insulin circulating in the blood.  For more details here.

    Certain mental health conditions are also a risk factor for type 2 diabetes, these include schizophrenia, bipolar disorder, and depression.

    If you are receiving treatment with antipsychotic medication this can also increase your risk of type 2 diabetes, but the risk is quite low. Talk to your GP if you are concerned about potential side effects.

    Sedentary lifestyle – Being sedentary is associated with an increased risk of type 2 diabetes. Being ‘sedentary’ means sitting or lying down for long periods, which could be due to, working at a desk for long periods without standing up or sitting while driving a vehicle. 

    You should try to break periods of sitting as often as possible, by doing some light activity such as walking or some chair based exercises.

    Being overweight also puts you at a higher risk.

    Getting up and being active is key to preventing type 2 diabetes. Find out how to be more active here.

    Diet – a healthy, balanced diet can reduce your risk of developing type 2 diabetes. Click here to read tips for healthy eating.

    Alcohol – drinking too much alcohol can also increase your risk of the condition. Current guidelines recommend not regularly drinking more than 14 units per week and that these units should be spread evenly over 3-4 days.

    Sleep – not getting enough sleep or sleeping for too long have been associated with an increased risk. To improve your sleep read our guide here.

    Get an NHS Health Check

    Whether you have any other risk factors or not, if you’re aged 40 to 74 and living in England, you may be eligible for a free NHS Health Check. Find out more about the health checkhere, or speak to your GP for more information.

    This service isn’t available in Scotland, Wales, or Northern Ireland. If you are worried about any aspect of your health speak to your GP.

    If you have type 2 diabetes

    It is good to know that you have diabetes, so that you can take steps to look after your health and prevent some of the devastating complications that can occur. 

    If you feel stressed or worried and want to speak to someone after receiving a diagnosis you can speak to your GP or one of the organisations given below.

    Symptoms of Diabetes

    Common diabetes symptoms are:

    • Going to the toilet a lot, especially at night.
    • Being really thirsty.
    • Feeling more tired than usual.
    • Losing weight without trying to.
    • Genital itching or thrush.
    • Cuts and wounds take longer to heal.
    • Blurred eyesight
    • Increased hunger.

    No individual is the same, however, the most common diabetes symptoms experienced are an increased thirst, increased urination, feeling tired and losing weight.  

    Getting information, help and support

  • Anti-Bullying Week 2025

    Anti-Bullying Week 2025

    10 – 14 November 2025

    This article was published on 31 Oct 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.

    Anti-Bullying Week 2025 is coordinated in England, Wales, and Northern Ireland by the Anti-Bullying Alliance. This year it has the theme ‘Power for Good’ and will take place from Monday 10th to Friday 14th November. Odd Socks Day will take place on Monday 10th November, where adults and children wear odd socks to celebrate what makes us all unique.  For more details click here.

    All bullying is unacceptable and should not be tolerated.  It can affect anyone at any point in their lives, as an adult or child, at school, at work, online, at home or in the community. 

    Bullying and harassment can be described as unwanted behaviour to cause harm or distress to another person.  This behaviour may be offensive, intimidating, malicious, insulting, abusive, a misuse of power, humiliating, denigrating, or injure the recipient.  Bullying can be related to age, gender, race, disability, religion, sexual orientation, nationality, or any personal characteristic of the individual.  It may be an isolated incident or persistent. Bullying regularly includes homophobic, racist, or offensive language.

    Bullying falls under 4 main categories, psychological, verbal, physical and cyberbullying.  It can have a serious impact on someone’s physical and mental health. Sustained bullying can cause stress, emotional issues, physical disorders and in some cases self-harm or even suicide.

    When we think of bullies, we usually remember the ones we encountered at school, however, bullying doesn’t stop as a child for everyone, it continues into adult life for some.  Many school bullies continue to bully into adulthood.  This may be at work, at home or in the community.

    An adult bully can be boss or colleague, a partner, a neighbour, a family member, a social acquaintance, online, or in the community.

    To determine if you’re being bullied, ask yourself the following questions:

    • Do I feel intimidated or threatened?
    • Am I regularly humiliated or ridiculed?
    • Have I been called names?
    • Are my efforts consistently undervalued or disregarded?
    • Do I feel unwell, apprehensive, or stressed when I have to spend time with a particular person?

    If you answer yes to these questions, then there is a high possibility that you are being bullied.  Bullying can create stress and anxiety and can lead to stress related health problems, including anxiety, panic attacks and depression.

    If you’re the victim of an adult bully, there are a few things you can do:

    • Learn to recognise bullying – when you realise that you are being bullied, you will be less likely to blame yourself for something that isn’t your fault and can start to get help & support.
    • Realise that you can change your response – although it is impossible to change someone who doesn’t want to change, you can change how you respond to them.
    • Learn how to set boundaries – be upfront and direct with the bully about how you plan to address their behaviour. Learn to be firm, confident, and assertive.
    • Keep a journal to document the offences – be specific about what you write down. Include the date, the time, the location, the incident that occurred or words that were said and any witnesses to the event. It also may be helpful to include how it made you feel or how it affected you. You also should record details about the complaints that you made and the responses you have received.  This information will help managers or outside organisations.
    • Report incidents. Being silent about bullying gives the bully more power and control over you. When you feel ready, report the bullying to your manager or HR if your bully is in the workplace or the local police, if the incidents are not work based.  You could also speak to citizens advice.
    • Remain calm – keep your emotions in check when sharing details about the bullying.
    • Make eye contact – as bullies have less empathy when they can’t see your face or your eyes.  
    • Talk to friends and family – tell them what you are experiencing and ask for their support.
    • Seek professional help or counselling – being bullied can affect your mood, your self-esteem, and even your physical health. So, it’s important to talk to a professional if you are struggling.
    • Remember that you are not alone – workplace bullying is a widespread issue.

    How to help your child when they are being bullied

    As parents and carers, we all want our children to be happy and safe, and it is natural to worry about bullying, particularly if we have experienced bullying ourselves or think our child may be more vulnerable to bullying. 

    Children and young people may be reluctant to tell adults that they are being bullied. They might be because they are embarrassed, worried about burdening their parents or worried that telling someone might make the situation worse.  But there are a number of potential signs to look out for if you are concerned. They may:

    • become withdrawn.
    • have unexplained scratches and bruises.
    • have trouble with schoolwork.
    • they may not want to go to school or to the organisation where the bullying is taking place.
    • change their route to school.
    • not want to go out or play with their friends.
    • change their use of online and/or mobile technology.
    • complain of headaches, stomach aches and other pains.
    • become easily upset, tearful, ill-tempered or display other out-of-character behaviour.

    The presence of the symptoms does not necessarily indicate that the child is being bullied, however, as a parent or carer you may be in the best position to recognise an unexplained change in behaviour that needs to be explored.

    As a parent or carer, you have a role to play in guiding and supporting your child through their school years and there are many positive steps you can take to help keep your child safe from bullying and harm.   If your child tells you they are being bullied, there are a number of things you can do to help:

    • Listen – effective listening can help you understand how your child is being affected and what you can do to help. It’s also important to pay attention to their body language and facial expressions. If they are reluctant to talk straight away, remind them that you are always available to listen, and they can talk to you at any time.
    • Pay attention to changing behaviour – your child may not talk to you about being bullied but they may display other behaviours, such as becoming withdrawn.
    • Don’t panic – remaining calm supports good listening and is reassuring for your child.
    • Give them your full attention – this shows your child that you are taking them seriously.
    • Be clear in your response – clearly explain the reasons for your concern and feedback sensitively what you have noticed.
    • Talk to them about online safety – establish a clear understanding of the platforms they use, how they access them and the safety precautions they can put in place to control their own online environment.
    • Ask them what they want you to do – exploring this will make your child feel valued and will help you to understand what support they need. It can be tempting to take over the situation, but it is important that they are given the opportunity to be involved in how it is dealt with.
    • Make an appointment to speak to the head teacher, or the senior person where the bullying is happening – calmly explain to them what has been happening, giving them the details of when the incidents have taken place.  Discuss what you would like to happen next and how you can proceed together. Agree a plan of action going forward and set a date to meet again to review the situation.   You can also ask for a copy of their anti-bullying policy, as all schools, local authorities and youth groups should have one.

    Online Bullying

    A lot of bullying takes place online. There are some things that you can do to help your child to stay safe when they are online. Explain to them:

    • Be aware of what you post and share online and treat people with the same respect as you would if they were in the room – think about the impact your comments might have on them and how it might make them feel.
    • Be careful about the information you share online – never give away personal details, such as your address, phone number and email address.  Don’t share anyone else’s private information either. Keep your passwords safe and don’t share them with others.
    • Everything you send and post online or through text message can be traced – including deleted posts – everything that’s posted online can be viewed, copied, and shared, and you never know who could read your posts. This goes for future potential employers and staff in colleges or universities you might be interested in applying to in the future.
    • Being bullied online – treat this in the same way as if it was happening face to face. You can also unfriend or block people from your page and block numbers from your phone. You can ‘report abuse’ on social networking sites.  Take screen shots of the bullying and create a log of any messages or texts you receive.

    As a parent or carer we should also ensure all devices have parental controls on them and regularly check the phones, tablets or computers their children and teenagers are using.

    Bullies and those attempting to groom children are on the increase and do use gaming and other apps to reach them.

    For more details on ensuring your children are safe online read our guide here.

    Support & Sources of Information: