• World Health Day 2026

    World Health Day 2026

    7 April 2026

    This article was published on 2 April 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.

    World Health Day is an awareness day organised by the World Health Organisation. This year they have chosen the campaign ‘Together for health. Stand with science’. For more details click here.

    World Health Day is celebrated annually, and each year draws attention to a specific health topic of concern to people all over the world.

    It is an ideal time to think about your own health and of those close to you.

    Your overall wellbeing is fundamental to how fulfilled you feel and comprises of all aspects of life, including, financial, social, emotional, and physical wellbeing. Positive wellbeing improves your resilience and will help you overcome difficulties and life’s challenges.

    Physical Health

    Research shows that being sedentary is bad for your health, so ensure you keep active. Exercise helps both your physical and mental health, so it’s important to stay active.

    A few hours of gentle exercise a week will release endorphins that make you feel energised. This could be as simple as a walk, a run, a cycle ride, dancing or even some gardening. In simple terms exercising makes you feel good.

    For more details on looking after your physical health read our guide here.

    Sleep

    When you’re well rested, you think more clearly, feel better, and have more stamina and energy. But many people don’t get the 7-9 hours of sleep that doctors recommend. Lack of sleep, even for a few days, can leave you feeling irritable, frustrated, and forgetful. Regular poor sleep can put you at risk of serious medical conditions, including obesity, heart disease and diabetes and it may shorten your life expectancy.

    We spend about a third of our lives asleep. Sleep is essential, it is as important to our bodies as eating, drinking, and breathing, and is vital for maintaining good mental and physical health. Sleeping helps us to recover from mental as well as physical exertion.

    For more details, read our sleep guide here.

    Stress Awareness

    We all know what it’s like to feel stressed, being under pressure is a normal part of life. But becoming overwhelmed by stress can lead to mental and physical health problems or make existing problems worse.

    It’s important to put measures in place to reduce any stress you are feeling and to take a moment to think about your own wellbeing and find out more on how to manage stress. For more details, read our stress awareness guide here.

    Nutrition

    Being overweight can cause various health concerns and according to Cancer Research UK, overweight and obesity is the second biggest cause of cancer. Keeping a healthy weight reduces the risk of 13 different types of cancer. Diabetes and heart disease are also other conditions that you have a higher chance of developing if you are obese.

    It is therefore important to ensure you are eating a balanced diet. For more details, read our healthy eating guide here.

    Mental Health

    It’s important that you take care of your mind as well as your body. Evidence suggests there are 5 steps you can take to improve your mental health and wellbeing. Trying these things could help you feel more positive and able to get the most out of life.

    1. Connect with other people – Good relationships are important for your mental wellbeing.

    2. Be active – this is great for both your physical and mental wellbeing.

    3. Take notice – paying more attention to the present can improve your mental wellbeing. Click here to try mindfulness.

    4. Learn new skills – continued learning though life enhances self-esteem and encourages social interactions and a more active lifestyle.

    5. 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 wellbeing click here.

    It’s as important to look after your mental health as it is your physical health. For more details, read our mental health guide here.

    Don’t be afraid to ask for help if your mental health is starting to deteriorate or you’re struggling to cope.

    Financial health

    Money worries are not just a financial problem they can cause relationships problems, people to lose homes and families to break down. People from all walks of life can end up in debt for many

    different reasons, like divorce, redundancy, ill health, or bereavement.  It’s not always easy to talk about money worries but if you’re struggling financially, it’s important to take action.

    For more details, read our debt awareness guide here.

    Financial problems is one of the biggest worries that can negatively affect your mental health. According to the Police Federation’s annual Pay & Morale survey results published in 2025, 79% of respondents felt that they were ‘worse off’ financially than they were five years ago.

    It’s important to start talking about money worries before your situation gets worse. Talking about money will give you the confidence to get help and find out who can best advise you on any problems. It can give you a great sense of relief to share your problems, so you’re not facing them alone. It’s important to seek professional advice as soon as possible and not wait until it’s more difficult to find a solution.

    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.

    *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.

  • World Autism Day 2026

    World Autism Day 2026

    2 April 2026

    This article was published on 31 March 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.

    Every 2nd April is World Autism Awareness Day. The purpose of this day is to increase understanding of autism across the world and help reduce stigma and discrimination that may occur against those with autism and their carers.

    Autism is something you are born with, it is usually identified in early childhood, but can also be diagnosed later in life too.

    Early intervention, therapies and education will help that person lead a full life. Some people will need support to help them with certain things and it’s important to get this support from an early age.

    Autism is part of who a person is, their brain works in a different way from other people.

    Every individual has a unique and meaningful contribution to make to society. According to Beyond Autism there are around 700,000 autistic people in the UK.  Autism is 3 times more prevalent in boys than girls. Signs of autism in girls can present themselves differently and as a result can be misdiagnosed or missed, leading to a late diagnosis, this may even be as an adult.

    Autism affects how a person communicates and experiences the world. It is complex and can affect a person’s sensory processing, relationships, and social and communication skills.  It affects each person differently and is therefore often described as a spectrum. Some autistic people need little or no support. Others may need help from a parent or carer every day.

    Autistic people often have other conditions, such as:

    Communication

    Communication can be a challenge for some autistic people. They may find it hard to read body language, understand peoples’ emotions, and find it difficult to respond to others. Processing time is often affected so it may take an autistic individual longer to react in conversations.

    We all use a mix of verbal, gesture, body language and more to communicate. For some people alternative communication methods help them to communicate. Some autistic people will have their own preferred method of communication, just as everyone does, however this can be more important to someone with autism as it can help them to understand and be better understood, making them feel heard. They may communicate vocally, or they may use other systems such as signing or a voice output device. Here are some things you can do to support them:

    • Observe how the person chooses to interact and how long it takes them to process what you are saying or doing. You can then adjust your communication.
    • Use their name to make sure they know you are talking to them directly.
    • Make sure any instructions are short and clear to avoid overloading with information.
    • Be mindful of noisy environments as this may affect how a person processes information.
    • Avoid using figurative language.
    • Talk slowly so they have more time to process.
    • Be clear on what you are asking and avoid asking open-ended questions.
    • If the person you are talking to finds visuals easier to understand, try to use these where possible.

    Autistic people may display different behaviours to try to communicate their needs, wants or feelings. Some of which can be perceived as challenging and may even affect their wellbeing. It is important to understand why behaviours that challenge happen so that the right support can be given. 

    Understanding behaviour

    Autistic people may have behaviours which appear unusual to some. There is nearly always a reason behind these behaviours, it could be that the individual is using it in order to communicate or as a coping strategy.

    They may also have repetitive movements such as hand flapping or making sounds. These are often calming for the individual when they feel stressed. 

    They can experience under or over sensitivity to sounds, touch, smells, pain, light or temperature. Over-stimulating may cause stress and under-stimulating may lead to a person increasing their sensory input by turning the volume up or getting closer to smells. 

    When stress or anxiety builds up it can lead to behaviours that challenge. This may take many forms including screaming, kicking, running away, or ceasing communication.  

    These behaviours are often the result of an individual being overwhelmed and can occur when a person is finding it difficult to communicate.

    Tips to better understand behaviour

    • Personalisation – Every person is different. What works for one person may not for another, different approaches may be needed.
    • Communication – Before trying to change a behaviour analyse the reason. Why are they behaving like this? What might they be trying to communicate?
    • Self-stimulatory behaviour – All behaviour serves a function for the individual. If behaviour isn’t causing harm or creating a barrier to at work or at school, don’t try and change it.
    • Routines – Routines and planning can often ease anxieties. Changes to routine, big or small, can be hard to process.  Where possible, planning ahead can help reduce any confusion or anxiety that the disruption may cause. For children helping map out bedtime or getting ready for school can often reduce behaviours that perceive to challenge. Use visuals to help make this easier. 

    ADHD and autism are not the same disorder, but they may be hard to tell apart. In addition, it’s very common for one individual to have both diagnoses. Treatment for the two disorders is similar but not identical, so it’s important to get the correct diagnosis or diagnoses.

    Positives

    There are many positive features of autism including:

    • Passionate
    • Detail orientated – thorough and accurate
    • Focused – great concentration and less likely to be distracted
    • Analytical and methodical approach
    • Unique thought processes
    • Great observational skills
    • Creative – distinctive imagination and expression of ideas
    • Memory – excellent long-term memory and superior recall
    • Tenacity determination and Resilience – will challenge opinions
    • Straightforward, direct, and honest
    • Reliable and committed
    • Innovative
    • Accepting of difference – less likely to be judgmental
    • Expertise – in-depth knowledge & high level of skills
    • High levels of integrity
    • Dedicated and loyal
    • Strong adherence to rules
    • Not afraid to be themselves

    Everyone is different and no one will identify with every one of these positive features. 

    Don’t try to change, try to understand.

    People with autism spectrum disorders have specific characteristics, behaviours, tastes, and ways to do things. The key is to understand the way they see the world without trying to make them change.

    Available Support

    Beyond Autism

    National Autistic Society

    The Brain Charity

    NHS

  • National Stress Awareness Month

    National Stress Awareness Month

    April 2026

    This article was published on 27 March 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.

    Stress Awareness Month is held each April, to increase public awareness about both the causes and cures of stress. This year The Stress Management Society has chosen the theme ‘Be the Change’. For more details click here.

    We all know what it’s like to feel stressed – being under pressure is a normal part of life. But becoming overwhelmed by stress can lead to mental and physical health problems or make existing problems worse.

    Millions of people around the UK are experiencing high levels of stress if you are one of them, it may be damaging your health.

    Stress isn’t a mental health condition, but it can cause a mental health problem, 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.

    Individually we need to understand what is causing our personal stress and learn what steps we can take to reduce it for ourselves and those around us. National Stress Awareness month is a great opportunity to take a moment to do this and think about our own wellbeing.

    What you can do to help manage worries and stress

    There are various steps you can take to cope with being under pressure, remember, different things work for different people.

    • Breathing exercises – stop and take a breath, learn a new breathing technique like box breathing or baby breath.
    • Write down your worries and concerns – this may help process your thoughts and emotions. You can then read the worries back and try to think of them from a different perspective.
    • Keep a daily routine – our overall wellbeing relies on our daily routines; these also help with sleeping & eating patterns. This is why it’s important to ensure you and your family have structure in your day. They can also include things to look forward to.
    • Identify your triggers and take control – working out what triggers your stress can help you anticipate when you may feel stressed and what you could do about it in advance.
    • Organise your time – making some adjustments to the way you organise your time can help you feel more in control and able to handle the pressure you are feeling.
    • Keep active – exercise can help clear your head and then let you deal with your problems more calmly. Go outside to exercise, as fresh air and spending time in nature can really help.
    • Stay healthy – as well as exercise it’s important to maintain a healthy diet and ensure you are getting enough sleep.
      • To read our sleep guide click here
      • To read our Healthy Eating guide click here
    • Talk to other people – friends, family & colleagues can help support you through the stress you are feeling, you may even have a laugh and start to relax. You may also want to consider talking to a professional counsellor.
    • Do something you enjoy – spending time doing something you enjoy will take your mind off how you are feeling. Everyone needs to take time for themselves, it can be as simple as having a bath 00or reading a book.
    • Avoid unhealthy ways to cope – many people use alcohol, smoking, chocolate, and gambling to try and relieve the stress they are feeling, none of these things will help in the long term, use healthy coping strategies like going for a run, listening to music, or walking the dog.
    • Challenge yourself – learning new skills and setting yourself new goals will help build your confidence and make you feel good about yourself.
    • Help others – think of others in your local community, who may need help with small tasks, like shopping or volunteer to help a worthwhile cause, like litter picking or the local food bank. People who help others tend to be more resilient.
    • Keep informed – whilst it’s important to keep up to date with the latest news, it can be overwhelming, so in order to manage any feelings of stress and anxiety consider only checking the news and social media once a day.  Ensure you stick to trustworthy sources for the latest information.
    • Keep positive – it’s very easy to focus on the negatives of a situation. But it’s important to stay positive. You could also think of all the things you are grateful for, write down or say out loud 3 things that went well each day. Use these positive statements to create a positivity jar with your family.
    • Try Mindfulness – mindfulness can help reduce stress; it can also give you the space to respond calmly under pressure.  For more details click here.
    • Address some of the causes – where possible improve some of the issues that are putting pressure on you.
    • Accept the things you can’t change – it’s not easy but accepting that there are some things happening to you that you can’t do anything about will help you focus your time and energy elsewhere.
    • Be kind to yourself – don’t be too hard on yourself, look for positives in your life and make time for self-care.

    Useful links:

    NHS

    Mind

    Mental Health Foundation

    Stress Management Society

    Anxiety UK

    World Health Organisation

    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

    *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.

  • Why a mortgage broker makes a real difference vs a UK bank – And why Police Mutual chose Grange Mortgages to provide their mortgage advice service.

    Why a mortgage broker makes a real difference vs a UK bank – And why Police Mutual chose Grange Mortgages to provide their mortgage advice service.

    This article was published on 23 March 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.

    Choosing the right mortgage is one of the most important financial decisions you’ll ever make. Many people still ask whether it’s better to go directly to a bank or use a mortgage broker. While applying online or walking into a bank branch may seem quick and convenient, it often means missing out on tailored advice, wider choice, and long-term support.

    This is where a whole‑of‑market mortgage broker can make a meaningful difference.

    Why using a mortgage broker offers more choice than a bank

    UK banks can only offer their own mortgage products. This immediately limits your options and means the advice you receive is restricted to one lender’s criteria.

    Grange Mortgages is a whole‑of‑market mortgage broker, which means they have access to hundreds of lenders and thousands of mortgage products. This includes high‑street banks, building societies and specialist lenders that are not available directly to the public.

    Rather than trying to make your circumstances fit a single lender’s rules, their mortgage advisers search the wider market to find a mortgage that fits you. This is particularly valuable for clients with complex income, changing circumstances, or long‑term career considerations.

    Mortgage advice for the Police family through Police Mutual

    Grange Mortgages is proud to provide the fee-free mortgage advice service for Police Mutual, supporting serving officers, police staff, retirees and their families across the UK.

    Police careers often involve:

    • Shift work and variable hours
    • Overtime and additional allowances
    • Career progression and role changes

    These factors can affect how lenders assess affordability. The advisers at Grange Mortgages understand these nuances and ensure mortgage recommendations reflect the realities of police life.

    In the last seven months alone, over 2,200 members of the Police family have turned to the Police Mutual fee-free mortgage advice service, provided by Grange Mortgages, to help them find the right mortgage. This growing demand highlights the value of specialist, trusted advice tailored to the police community.

    Flexible mortgage advice that fits around real life

    Mortgage questions rarely arise during standard office hours. Many clients are balancing demanding jobs, family commitments and time‑sensitive property decisions.

    Grange Mortgages offers:

    • Evening appointments
    • Weekend availability
    • Remote and phone consultations
    • Fee-free mortgage advice

    This flexibility allows clients to get clear, professional guidance at a time that works for them, without unnecessary delays or pressure.

    A personal mortgage adviser – Not a call centre

    One of the biggest differences between a bank and a broker is the relationship.

    With Grange Mortgages, clients work with a dedicated mortgage adviser who takes time to understand their history, goals and future plans. There’s no need to repeat information to different departments or start from scratch each time you need advice.

    They regularly support clients through:

    • First‑time buyer mortgages
    • Home moves
    • Remortgaging
    • Changes in personal or financial circumstances

    This continuity builds trust and allows advice to improve over time as your needs evolve.

    Mortgage advice that considers long‑term security

    A mortgage is not just about securing a competitive interest rate. Home ownership brings long‑term responsibilities, which is why their advice considers the wider financial picture.

    At Grange Mortgages, they help clients understand how their mortgage fits alongside protection planning, including:

    • Life insurance
    • Income protection
    • Critical illness cover

    These discussions focus on protecting families and maintaining financial stability if circumstances change unexpectedly.

    Free Will provided after mortgage completion

    For many homeowners, arranging a mortgage naturally leads to broader planning questions around family security and the future.

    That’s why Grange Mortgages offers all clients a Free Will, provided by ‘My Last Will’, following completion of their mortgage transaction. This helps ensure wishes are clearly documented and that property and assets are protected for the people who matter most.

    Ongoing mortgage support – Not just a one‑off transaction

    Grange Mortgages say that one of the key reasons clients stay with them is their long‑term approach. They don’t disappear once your mortgage completes. Instead, they:

    • Review mortgages before fixed rates end
    • Explain changes in the mortgage market
    • Help clients decide whether to remortgage, move home, or stay put

    This proactive support ensures clients remain informed and confident in their decisions, year after year.

    Why clients choose Grange Mortgages over a Bank

    The real value of using a mortgage broker lies in clarity, choice, and consistency. In a complex and constantly changing market, expert advice can save time, reduce stress and could make a significant financial difference over the long term.

    As the provider of the mortgage advice service for Police Mutual, Grange Mortgages combines specialist knowledge, whole‑of‑market access and long‑term client relationships. That’s why clients don’t just go to them for one mortgage but stay with them as their needs change and their lives progress.

    Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

    Find out more about the fee-free mortgage advice service here.

  • What Happens When Your Car Is Written Off? A Step-by-Step Guide

    What Happens When Your Car Is Written Off? A Step-by-Step Guide

    This article was published on 16 March 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.

    Being involved in a road accident is stressful enough. If you’re then told your car has been written off, it can raise a whole new set of questions. What does it actually mean? What happens next? And how does your car insurance help?

    This step-by-step guide explains what happens when your car is written off, helping you understand the process and make informed decisions with confidence.

    What Does “Written Off” Mean?

    A car is written off when your insurer decides it’s either too damaged to repair safely or the cost of repairs is higher than the vehicle’s value. This decision is made after a professional assessment following an accident, fire, or flood damage.

    Step 1: Your Car Is Assessed

    Once you’ve made a claim, your insurer will arrange for your vehicle to be inspected. An engineer will assess the damage and estimate repair costs. They’ll compare this to the car’s pre-accident market value.

    If repairing the car isn’t economical or safe, it will be classed as a write-off.

    Step 2: Understanding Write-Off Categories

    In the UK, written-off cars are placed into categories based on the severity of damage:

    • Category A – Scrap only. The car is completely destroyed and must never return to the road.
    • Category B – Break for parts. Some parts may be salvaged, but the car itself cannot be driven again.
    • Category S – Structural damage. Repairable, but the structure has been affected.
    • Category N – Non-structural damage. Repairable, with damage such as electrics or bodywork.

    Categories S and N vehicles can return to the road once properly repaired and declared roadworthy.

    Step 3: Your Insurance Payout

    If your car is written off, your insurer will usually offer a cash settlement based on the car’s market value before the incident. This is not the price you paid originally, but what a similar vehicle would be worth at the time of the claim.

    If you believe the valuation is too low, you can query it by providing evidence such as recent listings for comparable cars.

    Step 4: What Happens to the Car?

    Depending on the category, your insurer may keep the vehicle, or in some cases, you may be able to buy it back if it’s repairable. This is something to discuss directly with your insurer.

    Step 5: Getting Back on the Road

    Once your claim is settled, the focus shifts to replacing your vehicle. Having the right car insurance in place can make this transition smoother, offering reassurance during an already disruptive time.

    Why Car Insurance Matters

    For police officers, staff, and their families, reliable car insurance provides peace of mind, whether commuting to work or managing everyday life.

    Visit Police Mutual Car Insurance to find out more and see what options are available.

    Photo by Szymon Sas

  • Allergy Season: Healthcare Tips for the Spring Months

    Allergy Season: Healthcare Tips for the Spring Months

    This article was published on 9 March 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.

    Spring brings longer days, warmer weather and increased outdoor activity. However, for many people, it also marks the start of allergy season. Rising pollen levels from trees, grasses, and plants can trigger seasonal allergies, causing symptoms that impact daily life, wellbeing, and work performance.

    For Police Officers and Staff, spring allergies present unique challenges. Long shifts outdoors, physically demanding duties and high levels of alertness, mean even mild allergy symptoms can affect comfort, concentration and operational effectiveness.

    What causes Spring allergies?

    Seasonal allergies, also referred to as hay fever or allergic rhinitis, occur when the immune system overreacts to airborne allergens, particularly pollen.

    Common spring allergy triggers include:

    • Tree pollen (birch, oak, alder, cedar)
    • Grass pollen later in spring
    • Mold spores from damp environments
    • Air pollution, which can worsen allergic reactions

    Common symptoms of seasonal allergies

    Spring allergy symptoms vary but often include:

    • Sneezing and nasal congestion
    • Runny or itchy nose
    • Red, watery, or itchy eyes
    • Scratchy throat or persistent cough
    • Headaches and fatigue
    • Poor sleep quality

    For Police Officers, symptoms such as eye irritation, fatigue, or blocked sinuses may interfere with operational duties such as driving or maintaining situational awareness on duty.

    Healthcare tips for managing allergy season

    For those serving, unmanaged allergy symptoms can have wider implications for safety, focus, and wellbeing. Proactive management helps ensure you remain fit for duty throughout the Spring months.

    1. Monitor pollen levels and plan ahead

    Checking daily pollen forecasts can help reduce exposure. Pollen levels are often highest in the early morning and on dry, windy days.

    Helpful steps include:

    • Limiting outdoor exposure during peak pollen hours where possible
    • Keeping windows closed at home and in vehicles
    • Using air conditioning with clean filters

    2. Maintain good personal hygiene

    Pollen easily attaches to clothing, skin and hair. After being outdoors:

    • Shower and wash your hair as soon as possible
    • Change clothes immediately after shifts
    • Store outdoor clothing separately where practical

    This is particularly important for officers spending extended periods on foot patrol or at outdoor events.

    3. Use allergy treatments responsibly

    A range of treatments can help manage symptoms, including antihistamines, nasal sprays and eye drops.

    For Police Officers and Staff:

    • Choose non‑drowsy options to avoid impairment on duty
    • Always follow occupational health or pharmacist guidance
    • Avoid mixing treatments without professional advice

    If symptoms persist, consulting a GP or occupational health service.

    4. Keep indoor and vehicle air clean

    Indoor environments matter during allergy season.

    Tips include:

    • Cleaning surfaces regularly to remove pollen and dust
    • Replacing air filters in vehicles and workspaces
    • Reducing indoor humidity to prevent mold growth

    Police vehicles can accumulate pollen during warmer months and should be cleaned regularly.

    5. Support your immune system

    Overall health plays an important role in managing allergic reactions.

    You can help yourself by:

    • Staying well hydrated
    • Eating a balanced, nutrient‑rich diet
    • Getting adequate rest between shifts
    • Managing stress levels

    These habits help reduce fatigue and improve resilience during busy operational periods by supporting your wellbeing, attendance and operational effectiveness.

    When to seek medical or Occupational Health advice

    Professional advice should be sought if:

    • Symptoms are severe or persistent
    • Allergy symptoms impact driving, PPE use, or concentration
    • Breathing difficulties or wheezing develop
    • Over‑the‑counter treatments are ineffective

    Early support can help prevent longer‑term health issues and reduce sickness absence.

    Staying well during Spring allergy season

    Seasonal allergies are common, but they don’t have to disrupt daily life or work. With the right healthcare strategies, awareness and early management, both you and your family can stay healthy and productive throughout the Spring months.

    For information on the Police Mutual Healthcare scheme click here.

  • Debt Awareness Week 2026

    Debt Awareness Week 2026

    16-22 March

    This article was published on 6 March 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.

    Money worries are not just a financial problem they can cause relationships problems, people to lose homes and families to break down. People from all walks of life can end up in debt for many different reasons including divorce, redundancy, ill health, and bereavement.

    It’s not always easy to talk about money worries but if you’re struggling financially, it’s important to take action and debt awareness week is an ideal time to do this.

    Why is Debt Awareness so important?

    Debt can impact anyone, regardless of age, income level, or background. It’s not just a financial issue; it’s a mental and emotional one as well. Persistent debt can lead to stress, anxiety, and even depression, creating a cycle that can feel impossible to break.

    By raising awareness, we can:

    • Reduce the stigma surrounding debt and encourage people to seek help.
    • Promote financial education to help individuals make informed decisions.
    • Connect people with the right resources and support services.
    • Debt awareness week was first launched in 2014 by the debt advice charity StepChange. If you’re worrying about money, there are things that you can do to get your finances back on track.

    For help on how to spend less click here to read our guide.

    Below are some tips on how to improve your financial wellbeing:

    • Take stock – where do you owe money and what are the interest rates.
    • Work out your budget – what money do you have coming in, what do you need to pay for and what’s left for paying off debt. Use our budget calculator here to help you manage your money. Set yourself a daily spend limit based on how much disposable cash you have each month.
    • If you’re looking to make savings – check that you’re not overpaying for your bills and utilities, where can you make savings, for more information use the link here.
    • Set up a separate bill account – transfer an amount each month to cover the cost of all your household bills. This will give you greater control over your finances and you ensure you do not make late payments.
    • Set yourself saving goals – saving regularly could provide you with a financial buffer for any unexpected bills or be used to save for short term purchases or long-term aspirations.
    • Check your bank balance – regularly, so there are no nasty surprises.
    • Review your mortgage – to see if you can reduce your monthly outgoings, check with your provider or an independent mortgage advisor.
    • Review your insurance – Why not see if you could save money by changing your home or car insurance provider.
    • Check your credit score – using one of the various companies available online including Experian, Equifax, or TransUnion. For more details on the impact of your credit profile click here to read our guide.

    Understanding your debts and how much you’re paying back is important. No debt problems are unsolvable and the earlier you deal with them the easier they are to deal with.

    Be aware of how you spend your money

    Stick to the golden rule of borrowing: don’t go into debt for something that will last for less

    time than the amount borrowed takes to pay back.

    Impact of debt on your mental health

    Worrying about money can negatively affect your mental health and for those people experiencing mental health problems it can make it harder for them to manage their finances. According to the Money and Health Policy Institute report ‘a silent killer’ problem debt can also be linked to suicide.

    It’s important to start talking about money worries before your situation gets worse. Talking about money will give you the confidence to get help and find out who can best advise you on any problems.

    It can give you a great sense of relief to share your problems, so you’re not facing them alone. It’s important to seek professional advice as soon as possible and not wait until it’s more difficult to find a solution.

    Do I have a debt problem?

    ✔ I find myself using my credit card for essential purchases, like food and bills and the card balance is not cleared at the end of the month

    ✔ I’m constantly worried about managing my money

    ✔ I’m behind on my mortgage and can’t catch back up

    ✔ I am struggling to manage even the minimum payments on my credit card

    ✔ I’m being contacted about unpaid bills or missed payments

    ✔ I’m relying on quick fix short-term loans

    ✔ I’m borrowing from friends or family

    Getting help

    If you would like to talk to someone about debt, the following organisations are there for you:

    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.

    If you don’t want to talk on the phone, it is also possible to email them.

    StepChange is a debt advice charity providing full debt help service across the UK. Online support is also available.

    Citizens Advice provide a full debt and consumer advice service, many bureaux have specialist caseworks to deal with any type of debt.

    National Debtline is a charity that provides free and independent debt advice. It also has resources to help people deal with their debts. Advice is available over the phone, online and via webchat.

    *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

  • Springtime: A Fresh Start for Your Home

    Springtime: A Fresh Start for Your Home

    This article was published on 2 March 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.

    Springtime is often associated with brighter days, lighter evenings and a renewed sense of energy. For many households, it’s also a natural point to turn attention to the home, from tackling long-overdue jobs to preparing for the months ahead. Spring can be a welcome chance to reset after a demanding winter.

    Alongside decluttering and home improvements, spring is also an ideal opportunity to review how well your home and belongings are protected.

    Why springtime matters for your home

    Winter can be tough on UK homes. Cold weather, storms and increased indoor living can all take their toll. As spring arrives, it’s worth checking for any issues that may have gone unnoticed, including:

    • Roof tiles loosened by winter storms
    • Damp or condensation caused by colder months
    • External damage to fences, sheds or outbuildings
    • Wear and tear to doors, windows and locks

    Catching problems early can help prevent more serious and costly damage later in the year.

    A practical springtime checklist

    Spring cleaning isn’t just about tidying cupboards. A broader home check can help keep your property secure and in good condition.

    Inside the home:

    • Test smoke alarms and carbon monoxide detectors
    • Check for leaks under sinks and around appliances
    • Review valuable items and note any new purchases

    Outside the home:

    • Inspect roofs, gutters and drains
    • Secure garden furniture and tools
    • Check locks, gates and boundary fencing

    Making small improvements now can reduce risks and provide peace of mind.

    How spring links to Home Insurance

    Springtime is also a sensible moment to review your Home Insurance. Changes to your property and new belongings can all affect your cover.

    Reliable protection matters and knowing your home is properly insured can ease one less worry.

    A good Home Insurance policy can help protect:

    • Your building against damage from events like storms or flooding
    • Your contents, including furniture, electronics and valuables
    • Your sense of security if the unexpected happens

    A fresh look at protection this spring

    Taking a few moments to review your Home Insurance could ensure your cover still meets your needs and reflects your home as it is today.

    Police Mutual understands the unique circumstances of the police family. To find out more about Home Insurance designed with you in mind, take a look at the options available and see how the right cover could support you this spring and beyond.

    Photo by Corneliu Stefan Esanu

  • National No Smoking Day 2026

    National No Smoking Day 2026

    12 March

    This article was published on 27 February 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.

    National No Smoking Day is observed every year on the second Wednesday of March, to encourage people over the world to quit smoking. No Smoking Day 2026 is on March 12th, but you can quit smoking on any day of the year. The main purpose of this day is to spread awareness about the harmful health effects of tobacco consumption through cigarette and other modes.

    Many people who quit smoking are surprised by how good they feel. 

    They feel more relaxed, have more money, they look and feel better, their skin looks healthier, and they have more energy when they do something active like going for a walk or playing with their children, they no longer smell of smoke and they are not as worried about their health.

    When you stop smoking, your lungs will start to repair, and you’ll start to be able to breathe easier. The sooner you quit, the sooner you’ll notice the positive changes to your body and health.

    Some of the benefits will be felt almost immediately and in the long term the benefits will be lifesaving

    • After a day – Your oxygen levels will recover, and the harmful carbon monoxide level in your blood will reduce by half.
    • After 2 days – Nicotine will be totally eliminated from the body, and your senses of taste and smell will improve.
    • After 3 days – Your breathing will become easier as the airways begin to relax. Your energy levels will also increase.
    • After 2 to 4 weeks – Blood will pump through to your heart and muscles much better because your circulation will improve, meaning you can walk and run easier.
    • After 3 to 9 months – Your lung function will improve by up to 10%, meaning any coughs, wheezing or breathing problems you have will improve.
    • After 1 to 3 years – Your risk of having a heart attack will have halved compared to a smoker’s.
    • After 10 years – Your risk of death from lung cancer will have halved compared with a smoker’s.

    Other benefits

    • You will have fresher breath and whiter teeth
    • Your skin might look younger and age less quickly
    • You might have more energy, feel less tired and get less headaches
    • Your immune system will find it easier to fight off colds and flu
    • It can improve your fertility
    • You will protect the health of your children, family and friends.

    Smoking and your heart

    The chemicals in cigarettes narrows the walls of your arteries. This reduces the space for blood to flow properly. If the arteries that carry blood to your heart get clogged, it can lead to a heart attack. If the arteries that carry blood to your brain get clogged, it can lead to a stroke.

    Smoking can also affect your heart and blood vessels by:

    • Increasing your risk of blood clots
    • Causing an instant rise to your heart rate
    • Causing an instant rise to your blood pressure
    • Reducing the amount of oxygen delivered to the rest of your body.

    You will save money – the average smoker can save around £2000 (depending on how much you smoke) a year by not smoking. To calculate how much you could save click here.

    Stopping smoking tips:

    1. List your reasons to quit and when you are struggling and feel like you need to smoke, read through the reasons.

    2. Tell people you’re quitting; your friends and family can then support you.

    3. Use stop smoking aids, like nicotine patches and gum.

    4. Have a plan if you are tempted to smoke; this should include someone you can talk to for support.

    5. List your smoking triggers and how to try and avoid them.

    6. Cravings usually last around 5 minutes.  Try to keep busy, which could help reduce these cravings.

    7. Regularly exercise, as studies show that exercise reduces the urge to smoke, it also strengthens your heart and lungs.

    8. If you have tried to quit before, remember what worked and learn from what didn’t.

    9. Use support groups for help and advice.

    10. Think positively.

    Try using the free NHS Quit Smoking App, click here for more details.

    It’s never too late to benefit from stopping smoking. According to the British Heart Foundation, on average, smokers who quit in their 30s will add 10 years to their life. Even quitting at 60 could add 3 years. Being a non-smoker can also improve your chances of being more physically active and healthier as you get older.

    Switching from smoking to vaping

    Studies so far show that vaping is far less harmful than smoking. So, your health could benefit from switching. You will need to stop using tobacco completely to get the full benefits.

    Vaping or using e-cigarettes could help you stop smoking and are a popular stop smoking tool. Giving you the nicotine needed to help beat your cravings. Vaping can also feel similar to smoking, like holding a cigarette and breathing in.

    Switching from cigarettes to vaping may also save you money.

    Vaping is not risk-free. Their long-term effects are still unknown, so people who have never smoked shouldn’t use them.

    Further help and advice:

    Quit Together

    NHS

    British Lung Foundation

    British Heart Foundation

  • Self-Harm & Self-Injury Awareness Day 2026

    Self-Harm & Self-Injury Awareness Day 2026

    1 March

    This article was published on 25 February 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.

    Self-harm and Self-injury Awareness Day takes place every year on 1st March.

    The purpose of the day is to reduce the stigma around self-harm, to make it ok to talk about and to raise awareness about the support available for those who self-harm.

    Raising awareness leads to understanding and empathy.  It banishes judgement and fear and reduces the number of people who suffer in silence.  The day is about educating people who do not self-injure and reaching out to people who do.

    Teenagers are the most likely group to self-harm.  According to the Mental Health Foundation 10% of young people self harm and most young people reported that they started to hurt themselves around the age of 12.  Anyone may self-harm regardless of their age, gender, race, or lifestyle choices. 

    People who self-harm say that it helps them alleviate emotional numbness and releases tension.

    Self harm is a coping strategy that helps people to manage their emotional hurt or stress.  There are many reasons why someone may self-harm.  It may be to help them regain a sense of control or a sense of feeling, to express their internal pain, as an act of self-punishment or as a form of expression. 

    Self-harm can take many different forms and behaviours that are not in our best interests, including:

    • cutting
    • burning skin
    • punching or hitting
    • scratching or pinching
    • poisoning
    • over-eating and under-eating
    • biting
    • Inserting objects into your body
    • overdosing
    • exercising excessively
    • pulling your hair
    • getting into fights where you know you will get hurt

    It’s important to talk about self-harm so we can understand what it is, why people might do it, how they can do it safely and how they can access support.

    It’s important to remember that self-harm is not about getting attention, people who hurt themselves frequently consider it a private thing and try to hide their behaviours.  It’s also not necessarily about suicide, even though some people who self-harm feel suicidal, many use self-harm to feel alive.

    How to support someone

    Use Self-harm and Self-injury Awareness Day to check up on a friend who might be struggling. Remind them that you are there for them. Sometimes, people can feel alone even when they are surrounded by friends.

    It can be hard to know how to react if someone you know is self-harming, here is some advice on what to do:

    • Don’t Panic – learning that someone you care about is self-harming can be difficult, and may make you feel upset, confused or even angry. Don’t panic if you’re not sure how to react, often simply just being there is enough.
    • Listen – you may be worried about what to say, but you don’t need to say anything.  Just be there to listen.  Try not to jump to conclusions or make any immediate decisions. Allow the other person to speak without interrupting and without judgement. Self-harm may feel like the only way to express very strong and deep-rooted emotions for them. If someone opens-up to you this can be a huge breakthrough. 
    • Help them find support – when they are ready, help them find out about support services available to them. You may also support your loved one to make an appointment and offer to accompany them.  There are organisations available to help, details of which can be found in the support section below.
    • Offer long term support – some people self-harm for years as a way of dealing with difficult emotions or situations. So don’t expect a quick recovery. Most people don’t want to be defined by their self-harm, so don’t change how you behave towards them.

    Supporting someone can be extremely difficult emotionally, you may feel overwhelmed or out of your depth. To try and reduce these feelings, it’s important to set boundaries and have support for yourself.  Be honest about how you’re feeling. If you’re feeling upset or struggling to cope, talk to someone.

    Getting support for yourself

    If you’ve been self-harming and you want to stop, there is help available for you. It’s important that you go at a pace that you’re comfortable with. To start your recovery:

    • Talk to a friend or family – try telling someone that you trust about your self-injuring.  The support of others is vital when you’re recovering.  They could even attend appointments with you whilst you’re getting help from healthcare professionals.
    • See your GP – if you don’t feel comfortable talking to someone you know, you may prefer to talk to a professional, like your GP. They can arrange for you to see a mental health professional for talking therapy, like Cognitive Behavioural Therapy (CBT) or prescribe medication.

    If you are struggling and feel that you have no one to turn to, remember there are many organisations available to help you.  These can be found in the support section at the end of this guide. 

    Ways of coping

    Taking steps towards recovery may feel difficult, but with the right support recovery is possible.  There are many different things that you can do to cope.  Here are some strategies:

    Distraction strategies:

    • Distraction box – prepare a ‘distraction box’ containing things that help you cope with difficult urges. This could include old photos of happy times, crosswords or colouring books, scents, or herbal teas.
    • Time – try the 10 mins rule, if you feel like you want to self-harm, try to postpone this for 10 mins.  For many self-harm happens when emotions are intense, so after 10 mins the intensity may have reduced.
    • Alternatives – try other options to self-harm, things like:
    • Write down your feelings on some paper and rip it up.
    • Draw on yourself in pen. Visually this may help relieve your urge without cutting.
    • Put elastic bands on your wrists or ankles and flick them instead of self-harming.
    • Hit something soft, like a pillow or cushion.
    • Play loud music or sing/shout.
    • Take a bath.
    • Squeeze a piece of ice in your hand.
    • Keep busy, try cleaning, tidying, or gardening.
    • Use breathing techniques, like box breathing.

    Self-help coping strategies:

    • Diary – keep a diary to express how you are feeling.  This will also be helpful to monitor patterns, thoughts, and feelings.
    • Pets – our pets give us unconditionally love and are great companions in difficult times. Being around animals is also proven to release endorphins, which can improve your mood.
    • Exercise – physical exercise can help channel urges away from self-harming, this could involve a run, walk, or cycle ride.
    • Mindfulness – try mindfulness techniques, concentrating on your surroundings. Mind have a lot of useful mindfulness techniques and tips here.
    • Self-care – choose self-care over self-harm.  It is important that you are kind to yourself.  This may involve applying your favourite body lotion to the area of your body you might usually harm.  You could also try using essential oils.  Ensuring we have the correct nutrition, get enough sleep, and regularly exercise, will look after both your physical and mental health, which is why self-care is critical.  Self-care isn’t selfish – it’s essential.

    Coping techniques and strategies will be different for everyone, if one doesn’t work, then try a different one.

    Support and help available:

    Police Mutual Services

    Our Care Line Service provided by Health Assured can offer advice and information, helping with a range of concerns including emotional support.

    Download the My Healthy Advantage App and register today – your code is MHA107477

    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