• Is your mortgage deal one of the 1.8 million fixed-rate deals that’s due to end in 2025?

    Is your mortgage deal one of the 1.8 million fixed-rate deals that’s due to end in 2025?

    This article was published on 15 September 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.

    From June 2025 to 2028 Q2, roughly 3.6 million households are expected to re-finance onto higher rates. Some who fixed during the 2022–23 volatility may see payments fall, others coming off 2% and 3% deals could face higher monthly costs.

    What you can do before your mortgage deal ends.

    6–9 Months Before Your Deal Ends:

    1. Lock in a rate early
      Many lenders let you secure a new rate up to 6 months ahead. If rates drop before your deal completes, you can switch to the lower one. This could give you protection and flexibility.
    2. Improve your Loan-to-Value (LTV)
      Making small extra payments or adding savings can reduce your LTV. A lower LTV often means better mortgage rates.
    3. Check your credit report
      Make sure your address is correct, it would be good to clear any small debts, and avoid taking out new loans or credit cards if possible.
    4. Choose between Fixed or Tracker rates
      • Fixed Rate: Good if you want predictable payments.
        • 5-year fix = long-term stability
        • 2–3 year fix = short-term option if you think rates will drop
      • Tracker/Discount Rate: Offers flexibility (e.g., easier to overpay or repay early).
    5. Be ready for rate changes and have a financial buffer.
    6. Compare Product Transfer vs Remortgage
      • Product Transfer: Usually quicker to arrange and more straightforward, less paperwork.
      • Remortgage: Might get better rates or features (like offset or portability) but involves a full financial check.
    7. Build a safety net
      Try to save 3–6 months of essential expenses. If that’s tough, you could set up a monthly transfer to build it gradually.
    8. Think about protection
      Income protection or life/critical illness cover can help keep your finances stable if something unexpected happens, especially if your mortgage costs are going up.

    When you apply:

    • Get your documents ready
      Depending on the lender, you’ll typically need:
      • Last 3-6 payslips and P60 (or SA302s if self-employed)
      • ID and proof of address
      • Evidence of deposit or any overpayments
      • Bank statements: Showing regular outgoings like rent, loans, credit cards
      • Other commitments: Insurance, child maintenance, etc.
    • Look beyond the rate
      Make sure you compare fees, early repayment charges and features like offset or overpayment options. Sometimes the best deal isn’t the lowest rate.

    If you’re a Buy-to-Let landlord

    • Expect lenders to keep using strict rent coverage checks.
    • Review your portfolio and consider adding funds if needed.

    If you’re buying a new build

    • If you reserved off-plan, check how long your mortgage offer is valid (usually 3–6 months).
    • Be ready to update paperwork if the build is delayed.

    You can find more information on the Police Mutual Fee-Free Mortgage Advice Service, provided by Grange Mortgage & Protection Services Ltd here.

  • The Hidden Benefits of Being in the Police: Discounts, Schemes and Support

    The Hidden Benefits of Being in the Police: Discounts, Schemes and Support

    This article was published on 8 September 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.

    Serving in the Police, whether as an officer or staff member, comes with unique challenges. But it also brings access to a range of benefits designed to support you and your family. From nationwide discount schemes and financial products tailored for the Police community to wellbeing resources and charitable support, there’s much more available than you might realise.

    Exclusive Discounts for the Police Community

    One of the biggest perks is access to exclusive discount schemes. Blue Light Card is the most well-known, offering savings on:

    • Supermarkets and everyday essentials.
    • High street fashion and footwear.
    • Restaurants, cafés, and takeaways.
    • Cinema tickets and family attractions.
    • Hotels, holidays, and travel experiences.

    For a small membership fee, the savings can quickly add up, helping your pay go further. Other regional Police Federations and associations sometimes run their own local discount schemes too – it’s worth checking with your force’s intranet or welfare team.

    Financial Products Designed for the Police

    Some financial services providers, like Police Mutual, offer products created specifically for the Police community. These products are built with your role in mind and may include benefits that those designed for the general public don’t. For example:

    • Car Insurance that offers extra protection for serving Officers commuting or carrying Police Kit, when selecting class 1 business cover.
    • Home Insurance that allows you to pay monthly at no extra cost.
    • Mortgage Advice through Police Mutual’s partnership with Grange Mortgage that affords access to some exclusive products not available on the high street.

    Because these products are tailored for your lifestyle, they can provide flexibility and features that mainstream providers can’t.

    Police Mutual Wellbeing and Money Advice

    The nature of Police work means it’s vital to take care of both your physical and mental health. The Wellbeing Hub offers free resources on topics such as stress management, healthy eating, and resilience. Meanwhile, the Let’s Talk Money Hub provides practical guidance on budgeting, debt, savings, and planning for the future.

    Both hubs are open to the entire Police community – not just Police Mutual customers -and are a valuable resource for staying healthy, both mentally and financially.

    Additional Schemes and Support

    Beyond discounts and insurance, there are other ways to get support:

    • Police Federation & Staff Associations – These often provide legal advice, welfare support, and access to special offers.
    • Police Charities – Organisations like the Police Benevolent Fund (The Ben Fund) and Care of Police Survivors (COPS) offer financial help, grants, and emotional support during times of need.
    • Occupational Health & Employee Assistance Programmes – Many forces offer confidential counselling, health checks, and advice lines.
    • Union and Association Benefits – If you belong to a union or professional body, check for additional member benefits such as training, development grants, or other useful resources.

    Making the Most of Your Benefits

    Whether you’re still serving, retired, or part of a Police family, it pays to know what’s available. Sign up for discount schemes, explore tailored financial products, and don’t hesitate to use wellbeing and support services when you need them.

    Ready to find out more? Explore our Car Insurance, Home Insurance and Mortgage Advice pages to see how we can help you protect what matters – while making the most of the benefits you’ve earned.

    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.

    Car Insurance is provided by ERS and Home Insurance is provided by Bspoke Underwriting Ltd.

    PMGI Limited, trading as Police Mutual, has chosen Grange Mortgage & Protection Services Ltd to provide customers with a mortgage advice service. Grange Mortgage & Protection Services Ltd will provide you with independent mortgage advice and make a recommendation based on your circumstances and requirements. You will not receive advice or any recommendation from Police Mutual.

    Grange Mortgages & Protection Services Ltd, is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Ltd. Advanced Mortgage Funding Ltd is authorised and regulated by the Financial Conduct Authority.

  • National Fitness Day 2025

    National Fitness Day 2025

    24 September 2025

    This article was published on 03 Sep 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.

    National Fitness Day 2025 will take place on Thursday 24th September and is a chance to highlight the role physical activity plays across the UK, helping raise awareness of how our fitness levels assist us in leading healthier lifestyles through being physically active. For more details click here.

    Physical exercise can help to build your self-esteem as well as reduce anxiety and improve your mood. When you exercise, your brains release endorphins which help to make us feel energised, happier, and less stressed. This could be as simple as a walk, dancing around the kitchen or even some gardening.

    Our physical and mental health are undeniably linked, so it’s important to stay active.

    To stay healthy, adults should try to be active every day and aim to achieve at least 150 minutes of physical activity each week or 10,000 steps per day through a variety of activities. If you would like to improve your fitness level, then you may need to increase this amount and also include some stretching and strengthening exercises into your routine. For any type of activity to benefit your health, you need to be moving quick enough to raise your heart rate, breathe faster and feel warmer.

    If you are concerned about your health in any way always consult your doctor before starting exercise.

    You don’t need to be at the gym seven days a week to improve your mood. Here are some ideas to help you incorporate workouts into your daily life:

    • Don’t do it alone – If you’re committed to doing exercise with a friend, you’re less likely to back out. Try an exercise class, dance or yoga with a friend. This has the added benefit of keeping connected with people. Maybe spend some time learning a new form of exercise, like pilates or belly dancing.
    • Enjoy it – Most importantly, you need to discover a physical activity you enjoy and that suits your level of mobility and fitness. If the exercise you choose is enjoyable you are more likely to stick with it. This could be an HIIT class or Pilates, cycling around the local area, a walk in the countryside or gardening in the back garden. There are so many different ways of exercising you just need to find the one that works for the time you have and that you enjoy.
    • Go outdoors – Fresh air, natural light and exercise combined are great for our mental health. Whatever the weather it’s great to get outside, it may be for a quick stroll around the block or a longer walk with the dog. You could also invite a friend for a catch up.
    • Set yourself a challenge – Give yourself a goal to work towards, start small and get bigger as you get more confident and fitter. This could just be to go for a walk every day and could then evolve to walk 10 miles a week or 1,000 miles a year. You could even try the NHS couch to 5k challenge, for more details click here.
    • Log it – In order to monitor your progress, keep a record of your workouts. This could include the time and distance of your walk, run, ride or workout, but you may also want to include how you feel, in order to track your mood.

    It’s common knowledge that a good night’s sleep makes us feel better.

    An average of 8 hours will replenish all of our energy stores. What’s more, this downtime helps protects us from infection, providing a shield for our immune system.

    If you are struggling to sleep, read our guide here.

    Taking care of your mental health is as important as taking care of your physical health. So, it’s important to take care of your mind as well as your body.

    Click here to read our mental health awareness guide.

    As well as looking after physical and mental health it’s also important to look after your financial wellbeing.

    Worrying about money can be extremely stressful and may lead to poor mental health, relationship 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, divorce, redundancy, ill health, bereavement. It’s not always easy to talk about money worries but if you’re struggling financially, it’s important to take action.

    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.

  • Leaky Pipes and Hidden Costs: What Every Homeowner Should Know

    Leaky Pipes and Hidden Costs: What Every Homeowner Should Know

    This article was published on Mon 1 September 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 seasons shift and temperatures fluctuate, your home’s plumbing system can come under pressure. Leaky pipes might seem like a minor inconvenience, but they can quickly spiral into costly repairs and long-term damage.

    At Police Mutual, we’ve pulled together some handy tips so you can stay ahead of these issues, to protect your home and give your peace of mind.

    Why leaky pipes are more than just a drip

    A small leak might not seem urgent, but over time it could lead to:

    • Structural damage to walls, floors, and ceilings
    • Mould and mildew growth, which can affect health
    • Increased water bills from unnoticed leaks
    • Damage to personal belongings and furniture

    What’s more, leaks often go unnoticed until the damage is done, especially in colder months when pipes are more likely to freeze and burst.

    Common signs of a leak

    Spotting a leak early can save you time and money. Keep an eye out for:

    • Damp patches or discolouration on walls or ceilings
    • A musty smell in certain rooms
    • Unexplained increases in your water bill
    • Low water pressure or strange noises in the pipes

    If you notice any of these signs, it’s worth investigating further or calling a professional plumber.

    Seasonal risks to watch out for

    Autumn and winter bring added risks. Cold weather can cause pipes to freeze and crack, especially in unheated areas like lofts or garages. Insulating your pipes and keeping your heating on a low setting, even when you’re away, can help prevent this.

    Protecting your home with insurance

    Even with the best precautions, accidents happen. That’s where Police Mutual Home Insurance comes in. Designed with the needs of the police community in mind, our cover helps protect your home from unexpected damage, including escape of water and burst pipes.

    Don’t let a small leak turn into a big problem.
    Learn more about Police Mutual Home Insurance and see how we can help protect your home today.

    Photo by Andrew Valdivia on Unsplash.

  • How to Decide if a Personal Loan is Right for You

    How to Decide if a Personal Loan is Right for You

    This article was published on Fri 29 August 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

    Most people will need to borrow money at some stage in their lives. But before borrowing money, it’s important to carefully consider your financial situation, to make sure taking a loan out is right for your personal circumstances.

    Personal loans, also known as unsecured loans, are where you borrow a sum of money from a lender and agree to pay it back over a set period of time, in fixed monthly repayments. Personal loans are usually unsecured, which means you can borrow without giving anything as security. So, you don’t need to offer your house, car, or anything else to get the loan. The lender will charge you interest as a fee for lending you the money, so you repay the amount you borrowed plus interest. The benefit of this is you get cash up-front, but can spread the cost of a purchase over several months or years.

    Personal loans can be taken out for a number of reasons, including:

    A personal loan can help to finance a large necessary purchase, such as a new major appliance. While you can use a personal loan to help purchase a car, you can also get car finance which may have a lower interest rate. Car finance requires collateral, which means you could lose your car if you fall behind on repayments. Do your research and compare the rates available.

    A personal loan could help if you’re looking to make improvements to your home. This could be a big project like renovating your kitchen or building an extension for more space.

    There are other ways of raising the funding for this, such as increasing your mortgage loan, if you have one, although your home will be used as collateral against a mortgage. In these scenarios, a personal loan can help you pay for the repairs over time.

    There are times when we might need cash quickly. Unexpected and unplanned expenses, such as car or house repairs, or your washing machine breaking down can be worrying, especially if you don’t have enough savings as a backup.

    While it’s best to build an emergency fund to cover unexpected expenses, a personal loan can help if you’re not yet prepared.

    Consolidating debt is a common reason to take out a personal loan. It’s when you apply for a loan and use it to pay off multiple other loans or credit cards, combining all outstanding balances into one monthly payment. Grouping your debts into one could make managing your debt easier.

    If you refinance any existing debts, you may pay a higher rate of interest or make repayments over a longer term. This means you may pay more interest overall.

    While a personal loan can be a useful way of borrowing money in some situations, it’s not always the best choice. There are lots of different ways of borrowing, so you need to make sure you choose one that suits your circumstances and that you can afford the repayments.

    Before taking out a personal loan, ask yourself the following questions:

    • Why do I need a loan? – Personal loans should only be used for necessary expenses. Ask yourself whether you
      really need to borrow before applying.
    • What is the cost of borrowing money? – Add up the total cost of borrowing, including all associated interest rates and fees, before making your decision. Look around to find the right loan for your circumstances.
    • Can I handle more debt? – Unless you’re looking for a consolidation loan, taking out a personal loan may not be right for you if you’re already struggling to keep up with expenses.
    • Can I afford the monthly payments? – You should always think about your ability to repay your personal loan, which means calculating your monthly payment and factoring it into your budget. You can use the MoneyHelper loans calculator to estimate your monthly payment before committing to a loan.

    We aim to help the Police family lead a financially healthier and happier life, that’s why we’ve partnered up with No1 CopperPot Credit Union to make you aware of some of their personal loans, available to serving and retired Police Officers, Police Staff, Police Specials and PCSOs.

    Take a look at the range of loans available. You need to be a member of the Credit Union to apply for a loan. You can apply for membership within your loan application.

    To become a member of No1 CopperPot Credit Union you must open a Member Account, which is a regular savings account (minimum £5 a month savings required). All personal loans are subject to affordability and lending criteria and are not a regulated consumer credit product. This does not affect your Financial Ombudsman rights. This means you still have the right to complain to the Financial Ombudsman Service if you feel something has gone wrong with your loan. Loans must be repaid by your 70th birthday.

    Missing loan repayments could negatively impact your credit file.

    PMGI Limited, trading as Police Mutual acts as an introducer for Number One Police Credit Union Limited who provide a range of consumer loan products for members. This introduction is not regulated by the Financial Conduct Authority.

    PMGI Limited will receive an introduction fee from No1 CopperPot Credit Union of 2% of the gross loan amount when the loan is paid into your nominated bank account.

    Find out more

    No1 CopperPot Credit Union is a trading name of Number One Police Credit Union Limited, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 213301. Registered number IP000078. Registered office: Slater House, Oakfield Road, Cheadle Royal Business Park, Cheadle, Cheshire SK8 3GX.

    PMGI Limited, trading as Police Mutual, is registered in England and Wales, company number 1073408. Registered office: Brookfield Court, Selby Road, Leeds, LS25 1NB

  • World Suicide Prevention Day 2025

    World Suicide Prevention Day 2025

    10 September 2025

    This article was published on 29 August 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 Suicide Prevention Day is organised by the International Association for Suicide Prevention (IASP). The purpose of this day is to raise awareness around the globe that suicide can be prevented. For more details click here.

    Suicide is more widespread than you might think. 

    1 in 5 people in England say they’ve had suicidal thoughts in their lifetime. Those who contemplate suicide often describe the intense feelings they have as hopeless, helpless, worthless, and desperate. Whatever the trigger, suicide may seem like the only solution to an unsolvable, painful problem.  A suicidal person believes no one can help them and that the problem can’t be fixed.

    There is no typical suicide victim. Suicide occurs across all ages, ethnicities, economic, and social boundaries and in both genders.  But some situations do increase the possibility that people will try to take their own life. The risk of suicide rises with factors such as having a mental health disorder, alcoholism and substance abuse, a family history of suicide or mental health condition, physical or emotional abuse, a physical illness with chronic pain, isolation, and loneliness or a major loss, which could be work, money or relationship related.

    Individuals with multiple debt problems are at a ‘significantly higher risk of suicide’ than those with just one problem debt. According to the Money and Mental Health Policy Institute over 420,000 people in problem debt considered taking their own life in England last year, while more than 100,000 people in debt actually attempt suicide annually*.

    Most people who are feeling depressed or desperate enough to consider suicide give clues as to how they are feeling. These may be difficult to see but knowing some of the warning signs can help you be better prepared to help someone who is struggling.  Talking openly about your concerns may help to prevent a death.

    There are often warning signs that someone may be thinking about suicide. 

    Here are some signs to look for:

    Spoken or written threats of suicide

    If the person talks about dying by suicide or about feeling trapped and not knowing a way out of their situation or has written notes or letters about it. Never assume the person, doesn’t really mean it, always take it very seriously.

    High-risk behaviour

    People who are thinking about suicide sometimes hurt themselves by engaging in drug or alcohol abuse, self-harm, and even criminal behaviour.  Suicidal people may drive recklessly and put themselves and others in danger.

    Withdrawal and loss of interest

    They no longer enjoy activities that they once did, isolate themselves from family or friends, don’t take care of their appearance, lack energy, or find it hard to cope with everyday things.

    Recent important losses

    A person may become suicidal as a result of problems or changes that make them feel helpless. These may include divorce, loss of child custody, job loss or the death of a loved one. For a child or a teenager they may be having a difficult time at school with friends, teachers, workload, or parental expectations.

    Major changes in sleep or eating patterns

    Excessive fatigue, not being able to sleep or sleeping much more than usual, or a loss of appetite or eating much more than usual are all signs that someone may be suffering from depression.

    Obsession with death

    Suicidal people sometimes show an unusual interest in death by the books or movies they choose or the websites they visit.

    They may do online research about ways to kill themselves

    Having decided to die, they may give away possessions. They may also suddenly be in a happier or calmer mood as they make these plans.

    If you believe or even suspect that someone you care about may be suicidal, don’t ignore your suspicions.

    If you notice any of these warning signs in a friend, relative or loved one, encourage them to talk about how they are feeling. Starting a conversation about suicide can be a difficult thing to do, especially when you’re worried about upsetting someone who might already be in a sensitive place emotionally.

    How to help someone:

    Offer support. Find a safe, private place to voice your concerns, speak to the person and better assess the situation. Do not agree to keep suicidal information secret, remind the person you are there to help support them. Don’t leave a suicidal person alone. If you suspect that someone who doesn’t live near you is suicidal, call the person’s local Police force and ask that a wellness check be carried out.

    Be direct

    Don’t be afraid to bring up suicide. There is absolutely no evidence to suggest that talking about it will make the person take his or her life.

    Talk openly about feelings and concerns. Ask if they have a suicide plan.

    It’s important to find out this information to pass on to a professional.

    Listen. Be non-judgmental

    Don’t tell them not to think about suicide or minimise their problems.

    Give as much time as needed to talk and let them know you’re there to offer support.

    Remove all dangers

    Any prescription and non-prescription drugs or medication or firearms should be removed from their home.

    Contact a GP, counsellor, or psychiatrist

    Often these resources can direct you to community resources, such as support groups.

    Helping someone who is feeling suicidal can be extremely stressful.

    Make sure you have support for yourself from friends, family, or a trained counsellor.

    Helping a teenager who may be at risk of suicide

    The teenage years can be a difficult time for you and your child. Adolescents may break rules or experiment with different behaviour as they try to establish their independence. As a parent, it’s important to know when your teenager’s feelings are a normal part of growing up and when they are putting themselves at risk. By staying involved in your child’s life, talking openly together, and knowing the warning signs of suicide, you can help deter at-risk behaviour and make sure your child gets the help they need.

    Suicide is a tragic occurrence that leaves those affected wondering how it could have happened, and how could it have been prevented. Those who are struggling with thoughts of suicide might show outward signs, and it’s important that friends, family, colleagues, and managers are aware of the signs that someone might be at risk of attempting suicide.

    The suicide of someone you love can be devastating. You may have many intense emotions all at once. You may feel shocked, confused, angry, or guilty. You may wonder if you could have done something to prevent the suicide.

    These thoughts and emotions are normal, and, although it will take time, with the right support, you can move forward with your life.

    There isn’t a correct way of grieving after a suicide. Grief is a process of healing that people experience in different ways. Even if someone you love died months or years ago, your grief may resurface at certain times of the year, like birthdays or on the anniversary of their death. Your grief may never be entirely over, but it can become gradually more manageable. Try not to set time limits on your grief or compare your feelings to anyone else’s.

    As you mourn, you may feel these emotions:

    Shock

    Feelings of numbness and disbelief are common when someone dies by suicide. Right after a loss, people often cope with their grief by denying the reality.

    Anger

    After a suicide, you may blame doctors or others for not preventing the death. You may blame the person who died for leaving you, or you may feel angry with the world.

    Guilt

    Intense grief makes it hard to think clearly, so, you may at times have thoughts that you know aren’t realistic. You may dwell on all the “what ifs” even if you know that you did the best you could at the time.

    Despair

    You may feel very sad, lonely, or helpless. You may wonder how you will ever cope without the person who died. The sadness of losing them in such a tragic way may never completely disappear, but there are ways to deal with the pain. Be patient. Don’t try to rush the healing process. We all deal with

    grief in different ways.

    Suicide can affect anyone. If you suspect someone you know is considering suicide, act quickly to get them professional support. Or if you find yourself contemplating it, contact a counsellor, medical professional or one of the organisations listed below immediately.

    Where to get help:

    • Samaritans For anyone with suicidal thoughts or those concerned with suicide. Call the helpline on 116 123 or email jo@samaritans.org
    • Childline A helpline for children and young people in the UK. Calls are free on 0800 1111 and the number won’t show up on your phone bill.
    • Papyrus For children and young people under the age of 35 who are experiencing thoughts of suicide. Also, for anyone concerned that a young person could be thinking about suicide. Call 0800 068 41 41, text 88247 or email pat@papyrus-uk.org
    • Students Against Depression is a website for students who are depressed, have a low mood or are having suicidal thoughts.
    • National Bullying Helpline is a website for both children and adults affected by bullying.
    • Campaign Against Living Miserably (CALM) This resource is specifically for men. Call the helpline on 0800 58 58 58 from 5pm to midnight 365 days a year.
    • NHS Help for suicidal thoughts.
    • The Silver Line A confidential, free helpline for older people across the UK. Call them on 0800 4 70 80 90 – 24 hours a day, seven days a week.

    If you believe that someone is in immediate danger, call 999 or bring them in to your nearest accident and emergency hospital service. You can also call Samaritans on 116 123.

    Police Mutual Services

    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.

    * Money and Health Policy Institute report ‘a silent killer’ Published December 2018

    **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.

  • Know Your Numbers Week 2025

    Know Your Numbers Week 2025

    8-14 September 2025

    This article was published on 28 August 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.

    Know Your Numbers Week encourages people to get their blood pressure tested. Many people have high blood pressure without knowing it which can cause other health problems.  As well as understanding your blood pressure, it’s also important to understand your cholesterol, blood sugar and body mass index.

    The more you know about these key health numbers the more you can do to take steps to look after yourself and lead a long and healthy life.

    This guide will provide you with some self‑tests that you can do yourself at home and also information on how to improve your overall wellbeing.

    Your weight

    The vast majority of people will know if they are carrying too much weight or not. If you don’t own a set of scales, then you can use the waist to hip ratio. All you need to do is measure your hip at the widest point and your waist at just above the belly button. Then what you do is divide your waist size by your hip size.

    • A ratio of 0.95 or below for men is good and 0.80 and below for women.
    • 1.0 or higher for men and 0.85 or higher for women is greater risk of poor health.

    Alternatively, you can just measure your waist:

    • The ideal waist size is 35 inches for men and 32.5 inches for women.
    • A waist size for men of 40 inches (102cm) and 35 inches (88cm) for women increases the risk of diabetes and heart disease significantly.

    Waist size is important because it’s all about where you store your fat. If you store your fat around the waist then its sitting around your vital organs such as the liver and kidneys, which will increase the chance of diabetes and cholesterol.

    Blood pressure

    You can get your blood pressure checked with your GP or you can buy your own machine for around £20 to £30. Your heart responds to virtually everything that happens in your body, and you can learn a lot from blood pressure by analysing the readings. Although the most common way is to look at the actual level of the diastolic and systolic readings e.g., 120/80 the other useful analysis is to look at the pulse pressure difference which is the difference between the higher and lower figures.

    If the difference is continually above 60 e.g., 140/80 – then it could be an indicator of arteriosclerosis or hardening of the arteries. The reason being that the arteries are having to expand too far and if they do that continually they lose their elasticity.

    If you don’t have a blood pressure machine, you can simply do pulse testing either manually yourself by counting the number beats from the pulse (against your neck or inside your wrist) or through a free app on your phone.

    Your pulse is an important test and it’s a good idea to get to understand your pulse. A healthy person should have a resting pulse rate of between 60 to 100 beats per minute.

    However, it is possible to have a resting pulse rate as low as 35 if you are extremely fit. If you are not extremely fit and regularly have a heart rate outside of 60-100 beats per minute then you should visit your G.P.

    When you understand your average pulse rate, and for example you know that your pulse is regularly in the low 60’s and all of a sudden, its 85 – then unless you know why it’s changed so radically (85 over the course of 3 days) then again it may be worth calling your G.P.

    If you are taking your pulse manually you will start to understand how it feels and if it feels irregular then again, it’s something that you might raise with your G.P. One of the causes of high pulse pressure can be stress and it can be improved by doing relaxation breathing exercises.

    The other home test you can do, is a urine test, urine analysis sticks can easily be purchased from the chemist. They are easy to use and can tell you a host of information, particularly around blood glucose, testing for diabetes but also kidney and liver issues. It’s important not to misinterpret the results and to take tests over a period of a few days to ensure that the issue wasn’t just something passing through for example a cold or virus.

    Additionally, it’s important to ensure that you are drinking plenty of water and keeping hydrated. A lot of kidney and liver issues are due to dehydration skewing the results.

    Cancer self-tests

    Everyone should be checking their skin regularly for changes to moles and spots that don’t appear to heal. We should all be checking our breasts, testicles, armpits, neck, and groin for lumps.

    It’s recommended that you keep a record of your checking and in the case of skin checks don’t be afraid to take photo’s so that you have got something to refer back to in the future to assess changes.

    Additionally, other symptoms to look out for are blood in the urine and stool, regular pain in the kidneys and stomach without any apparent reason and increased need to go to the toilet at night when you haven’t been drinking excessively.

    If you are worried about anything, then ensure you make an appointment to see your GP.

    How to stay healthy

    Exercise is the key, if you don’t like exercise or don’t have a lot of time, then try high intensity training.

    For example, use an exercise bike for 10 minutes every day, within this 10 mins, do 30 seconds of sprinting followed by 30 seconds of relaxing riding.

    You could also do the same thing by sprinting and walking between lamp posts or on a step box. Or do weight bearing exercise in the same way, using quite light weights, but fast reps.

    Weight bearing exercise is important because you lose about 1% of muscle every year over the age of 40. Muscle speeds us metabolism and metabolism burn fat.

    High intensity exercise was designed by Dr Tabata and research shows that it is a form of exercise that is very good at reducing blood sugar and therefore avoiding diabetes.

    Another big reason for increasing exercise is to do with stress. Exercise can work as a distraction for your brain constantly either thinking about work or other issues. Exercise helps people to switch off.

    As well as exercise, it’s also important to relax. Mindfulness is great to help you switch off, as many people struggle to do this on their own, apps such as Headspace and Thrive tend to help focus the mind.

    Relaxation techniques are not just about the brain they also really help the heart. Reading is also a great way to relax, it can help distract the brain from more stressful issues.

    For more details read our stress awareness guide here.

    Nutrition

    Nutrition is now more important than ever, having a balanced diet helps ensure we have the correct nutrients. Dark green leafy vegetables and colourful fruits and especially fruits with red in them can really make a difference. These will ensure you get vitamin C, vitamin D and zinc on board.

    It’s also important to reduce the amount of processed fats you eat, as these types of fat stick around your waist and increase issues such as heart disease. These types of fats are found in many takeaways.

    Water is massively undervalued, every organ in the body needs hydrating, water is needed in order for the fat burning process to work, depending on your size and how much exercise you are doing, you need to drink 2-3 litres per day.

    Our bodies were not designed to sit down on chairs, sitting down as much as we do fundamentally squash’s our skeleton, which can lead to musculoskeletal problems.

    What we need to do is move more, the HSE recommend a 10-minute movement break from sitting down every hour. The key is to try to introduce movement into the daily routine e.g., take all telephone calls standing up where you can and taking a break for lunch away from the desk and go for a walk.

    For more information read our Healthy Eating guide here.

    Boosting your immune system

    Having a strong immune system is important in order to be able to fight off a variety of illnesses and infections. In order to increase the ability to produce antibodies and ensure that your T-cell levels (lymphocytes) are not reduced you can:

    • Increase your level of vitamin D – spend time outside, drink fortified milk, eat fortified cereal, salmon, mackerel, and sardines.
    • Increase your level of vitamin C – eat plenty of citrus fruits like Grapefruit and Oranges, Red Bell Peppers (3 times the vitamin C of an orange), Broccoli, Garlic, Ginger, Spinach, Yoghurt, Almonds, Sunflower Seeds, Tumeric, Green Tea, Papaya, Kiwi, Poultry, Shellfish (it’s important to take vitamin C daily because your body can’t store it).
    • Reduce the amount of alcohol you drink, as it damages the immune system.
    • Ensure you relax, exercise, and have good quality sleep as all of these boost the immune system.
    • Take an immune busting vitamin tablet every day.

    Sleep

    Many people use their mobile phones for alarms and look at them right up until we turn the lights off, without giving their minds time to start to relax. Before going to sleep it’s important to be as relaxed as possible, the room to be dark and for it to be the right temperature.

    It’s also important to have coping skills on how to relax your mind if you do wake up in the middle of the night, in order to maximise the relaxation of the nervous, respiratory, and cardiovascular systems.

    For more information read our Sleep guide here.

  • September Means Sleeptember

    September Means Sleeptember

    This article was published on 27 Aug 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.

    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.

    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.

    According to many surveys, around one third of the population suffer with sleep problems. Lack of sleep can affect mood, energy and concentration levels, relationships, and the ability to stay awake and function at work during the day. A solid night’s sleep is essential for a long and healthy life. A variety of factors can cause poor sleep, including health conditions such as sleep apnoea. But in most cases, it’s due to bad sleeping habits.

    Common mental health problems like anxiety and depression can often underpin sleep problems.

    We can all benefit from improving the quality of our sleep. For many of us, it may simply be a case of making small lifestyle adjustments in order to help us sleep better.  

    Tips for Getting a Good Night’s Sleep

    • Go to bed and get up at the same time every day. Even at the weekend, a predictable schedule sets your body’s internal clock to expect to sleep at a certain time each night. If you feel you haven’t slept well, resist the urge to sleep in longer than normal, getting up on schedule keeps your body in its normal wake-up routine.
    • Create a bedtime routine. Ease the transition to sleep by engaging in relaxing activities beginning an hour or so before bedtime. You could have a bath, do some light reading or listen to soothing music.
    • Make your bedroom a comfortable environment for sleeping. It should be cool, dark, and quiet.
    • Deal with stressful tasks earlier in the day or evening. It may be harder to relax and go to sleep if you engage in demanding tasks, like paying bills or dealing with a difficult parenting issue, just before bedtime.
    • Write down your thoughts and worries and things you need to do the next day. This will help clear your mind and reduce worry.
    • Get regular exercise. Daily exercise can help you get to sleep faster and to sleep better. Just be careful not to do it close to bedtime as exercise produces stimulants that stop the brain from relaxing quickly.
    • Limit caffeine, alcohol, nicotine, and other substances that may keep you awake. Stay away from these when it’s close to bedtime and limit any consumption of caffeine to 6 to 8 hours before you want to fall asleep. Caffeine and nicotine are stimulants that make it harder to sleep and alcohol interferes with sleep quality.
    • Watch what and when you eat at night. Finish your evening meal several hours before you go to bed and avoid food that you know upset your stomach and could keep you awake.
    • Don’t watch the clock. Keeping an eye on the clock when you want to fall asleep (or when you wake up in the middle of the night) can increase stress and make it harder to sleep. Turn your alarm clock’s face away from the bed. If you use a phone alarm, set your phone face down.
    • Limit electronics at bedtime. Be careful about television, radio, and computer activities just before bed, as they may be overly stimulating, particularly due to the blue light that electronic devices emit. Don’t bring your tablet, phone, or other electronics to bed.
    • If you can’t get to sleep within 20 minutes of going to bed or if you wake up in the middle of the night and can’t get back to sleep. Get up and do something relaxing until you feel sleepy again. Try reading or listening to soothing music. Or use mindfulness meditation techniques. Just remember to keep the lights dim so that you don’t signal your body that it’s time to wake up.

    If you’re experiencing sleep problems, you may want to talk to your GP. Many sleep problems are temporary and go away on their own, but some may be related to depression, anxiety, or chronic pain, all of which can be treated with professional help. If you have sleep problems that last longer than a week, see your GP.

    Sleep and working shifts

    Shift workers often face challenges in relation to their sleeping patterns and eating habits.

    Shift work is harmful to sleep. Our body’s internal clock is designed for us to be active in the day and asleep at night. This is known as the Circadian Rhythm, which controls our sleep, body temperature, digestion, heart rate and blood pressure to keep our bodies synchronised through the day-night cycle. Working shifts can work against the body’s natural programming, particularly in relation to sleeping and eating.

    For night shift workers daytime sleep can be 1.5 -2 hours shorter than sleep at night. Daytime sleep is less efficient that night-time sleep as you’re constantly battling against disturbing factors, such as light and outside noise. With around 4 million people working night shifts, it’s important that those who do understand the importance of sleep and do what they can to achieve better daytime sleep.

    Lack of quality sleep can lead to all sorts of issues in the workplace including poor concentration, absenteeism, accidents, and errors.

    Things you can do to help when working a night shift:

    When you are at work
    • If it’s possible, take a 20-30 mins nap during a work break.
    • Only use moderate amounts of caffeine in the early part of your shift.
    • Get some exercise and only eat light, healthy meals and snacks during your shift.
    • Keep the work environment brightly lit.
    During your commute home
    • Wear sunglasses or amber tinted glasses to block out the sunlight when outside.
    • To reduce the potential for driving when sleepy, get a lift, use public transport, or take a taxi.
    • Avoid caffeine.
    When you get home
    • Prioritise your sleep, avoid running errands or doing chores after your shift.
    • Don’t use alcohol as a sleep aid.
    • Turn off your mobile before going to bed.
    • Alter your bedtime a few days in advance of a change in your work shift.
    At bedtime
    • Keep your bedroom cool and dark. The sleep council recommends 16-18c is the ideal temperature to sleep.
    • Use earplugs or a white noise machine.
    • Wear an eye mask or use blackout curtains or blinds.
    Other tips
    • Use powernaps as these are a great way to top up the energy levels, 10 to 20 minutes is enough to do this.
    • Help prepare the body for shift work with extra sleep, so the day you start try and get an extra two-hour sleep.
    • When finishing a shift pattern, wake up two hours early to help assist the body get back into a day/night sleeping routine.

    For more information:

    NHS Sleep Guidance

    British Snoring & Sleep Apnoea Association

    Sleep Apnoea Trust

  • What Happens to Your Finances During Maternity or Paternity Leave in the Police?

    What Happens to Your Finances During Maternity or Paternity Leave in the Police?

    This article was published on 25 Aug 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.

    Please note, the information presented in thus article is for general guidance only and Officers/Staff should check with their Force HR team to confirm their exact entitlements.

    Taking time off work to welcome a new child is an exciting chapter, but it can also bring financial changes. For police officers, staff, and their families, understanding how maternity or paternity leave affects your income – and planning for it – can help you enjoy the time without unnecessary money worries.

    Whether you’re thinking ahead, about to start leave, or already off work, here’s what you need to know.

    Maternity Leave for Police Officers and Staff

    Police officers are entitled to up to 15 months’ maternity leave, with the first 26 weeks typically classed as ordinary maternity leave and the following 26 weeks as additional maternity leave. How much you’re paid depends on your length of service and your force’s specific policy, but it generally includes:

    • Occupational maternity pay – often paid at full or half pay for a set period if you meet service requirements.
    • Statutory Maternity Pay (SMP)currently paid for up to 39 weeks if you qualify.
    • Unpaid leave – the remaining weeks of your entitlement may be unpaid.

    Police staff have similar rights, though the exact pay structure and length of leave can vary by force policy.

    Paternity Leave for Police Officers and Staff

    Paternity leave is shorter – usually two weeks, which may be taken in a single block. If eligible, you’ll receive occupational paternity pay (often at full pay) for part or all of this time, followed by any statutory entitlement. Some parents may also consider Shared Parental Leave, which allows you to split time off more flexibly between parents.

    Planning Ahead Financially

    Because your income may reduce during maternity or paternity leave, it’s a good idea to start preparing early. Consider:

    • Saving in advance – build a dedicated fund to cover essential bills during lower-income months.
    • Reviewing your budget – plan for extra baby-related costs and reduced earnings.
    • Checking your entitlements – confirm exactly what you’ll be paid and when.
    • Exploring additional benefits – some forces offer childcare vouchers or salary sacrifice schemes.

    You might find our Let’s Talk Life Events Guide helpful to read when preparing for this new chapter.

    Support for Your Wellbeing

    Adjusting to life with a new baby isn’t just about money – your wellbeing matters too. Our Wellbeing Hub offers free resources on everything from mental health to family life, while our Let’s Talk Money hub has practical tips to help you manage your finances with confidence.

    The bottom line: maternity or paternity leave in the police is a valuable benefit, but it can mean a shift in your income. By planning ahead, building savings, and making the most of available resources, you can focus on what matters most – your growing family.

  • Protect Your Car From Theft

    Protect Your Car From Theft

    This article was published on 18 Aug 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.

    Did you know that over 61,000 vehicles were reported stolen in the UK in 2024? That’s the equivalent of seven cars stolen every hour, according to DVLA data obtained by What Car?  While this represents a modest 6% decrease from the previous year, the figures remain alarming.

    As members of the Police family, you may be more aware than most, but even the most security-savvy among us can benefit from a refresher or know someone who could use a few practical tips.

    Keyless Cars: A Modern Threat

    Keyless entry systems have become a popular convenience for drivers and unfortunately, an easy target for criminals.

    One major contributor to the rise in vehicle thefts is relay theft, where thieves amplify the signal from your key fob to unlock and start your vehicle, even when the keys are inside your home.

    Here are some simple but effective steps, as recommended by Thatcham Research, to help protect keyless vehicles:

    • Check for software updates. Speak to your dealer about any digital security updates available for your vehicle.
    • Turn off your fob’s signal. Some keyless fobs can be disabled when not in use – ask your dealer if this applies to your car.
    • Store your keys safely. Keep fobs away from entry points and consider using a signal-blocking pouch or box to prevent signal relay.
    • Be alert. Watch for suspicious activity in your area and report anything unusual.

    General Car Threat Prevention Tips

    Even if your car doesn’t have keyless entry, here are some essential precautions you should always take:

    • Always lock up. Even if you’re stepping away for just a minute, shut windows and lock all doors.
    • Don’t leave your car running unattended. It only takes seconds for a thief to drive away.
    • Hide your belongings. Keep valuables out of sight or, better yet, out of the car entirely.
    • Park smart. Choose secure, well-lit, or monitored areas whenever possible.
    • Use visible deterrents. Devices like steering wheel locks or gear shift locks can make your car less appealing to thieves.
    • Consider added tech. Fit your vehicle with an alarm, immobiliser, or tracking system – these may even help lower your insurance premium.

    Protecting Your Parking Space

    Don’t overlook the security of your driveway or parking area. Here are a few additional ways to enhance protection:

    • Install a home CCTV system. Affordable and effective, these can deter theft and provide valuable evidence.
    • Use motion-activated lights. A well-lit area makes your car a less tempting target.
    • Be cautious with key storage. Avoid leaving keys in obvious places like hooks near the front door or in view when you’re out and about.

    Remember, the more layers of security you have, the less appealing your car is to thieves.

    Car Insurance Tailored for the Police Family

    At Police Mutual, we understand the unique needs of serving and retired Police Officers, Staff, Specials, and their families. Police Mutual Car Insurance is designed with you in mind.

    Learn more about our Car Insurance offering here or call 0151 242 7640 to speak with our friendly team.

    Police Mutual Car Insurance is provided by ERS.