• 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

    Alex Mculty

  • 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

    Alex Mculty

  • How to Choose the Best Touring Caravan Insurance

    How to Choose the Best Touring Caravan Insurance

    This article was published on 23 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.

    Thinking of heading off on your next Great British getaway? Before you hitch up and hit the open road, ensuring your touring caravan is properly protected is the first step to a stress-free trip.

    With so many providers offering different levels of cover, finding the right policy can be a challenge. Whether you’re a seasoned pro or a first-time owner, this guide will help you choose the best touring caravan insurance for your specific needs.

    Key features of touring caravan insurance

    Every caravanner has different priorities. Some may want total peace of mind for long road trips, while others focus on security while the van is in storage during the winter.

    Here are the most common features to look for:

    1. Theft and security

    This covers you if your caravan is stolen or damaged during an attempted theft. It usually includes cover for contents and equipment kept inside. Since caravan theft remains a concern in the UK, even with robust security measures, having this as a cornerstone of your policy is essential.

    2. Vandalism and malicious damage

    Unfortunately, intentional damage caused by third parties, such as broken windows, slashed tyres, or graffiti, can happen. While frustrating, having this included ensures you aren’t out of pocket for someone else’s bad behaviour.

    3. Accidental damage

    Whether it’s reversing into a gatepost, hitting a low branch, or clipping a kerb while towing, accidental damage is one of the most common reasons for touring caravan claims. Most policies also cover accidents while the caravan is pitched or in storage, such as a falling branch or damage to the awning during a tricky setup.

    4. Extreme weather and storms

    While we might joke about the British weather, storms, floods, and high winds can cause serious damage to a caravan’s lightweight structure. If you enjoy coastal pitches, storm cover should be high on your checklist.

    5. Public liability

    Public liability insurance is vital. It covers legal costs and compensation if your caravan causes injury to someone else or damages their property (for example, if it uncouples and rolls into another vehicle). Note that your car insurance usually won’t cover the caravan’s liability while it is detached or pitched.

    6. Contents and awnings

    “Contents” refers to your personal belongings, like TVs, clothes, and kitchenware. Many policies also extend this to your awning, gas bottles, and outdoor furniture. Always check the total “sum insured” to make sure it covers the full cost of replacing everything inside.

    7. Emergency recovery and accommodation

    If your caravan suffers a mechanical failure or is damaged mid-trip:

    • Recovery: Specialist recovery to get your van to a repairer or back home.
    • Alternative accommodation: Financial help for a hotel or B&B stay if your caravan becomes uninhabitable during your holiday.

    8. Fire

    Protects against damage caused by accidental fires, electrical faults, or issues with gas appliances.

    New-for-Old vs Market Value

    When you take out a policy, you’ll usually have to choose how your caravan is valued in the event of a total loss (theft or a “write-off”):

    • New-for-Old: If your caravan is stolen or destroyed, the insurer replaces it with a brand-new equivalent model. This is usually only available for caravans under a certain age (e.g., up to 5 or 10 years old).
    • Market Value: The insurer pays out what the caravan was worth at the time of the incident, taking wear and tear into account. This often results in lower premiums, but a smaller payout.

    Your touring caravan insurance checklist

    Before you sign on the dotted line, run through these quick questions to ensure there are no nasty surprises:

    • Storage requirements: Does the policy require the caravan to be kept at a CaSSOA-registered site or behind locked gates at home?
    • Security devices: Are you mandated to use specific hardware, such as a wheel clamp, hitch lock, or tracker?
    • Exclusions: Does the policy exclude common issues like vermin damage, “wear and tear”, or cosmetic bubbling?
    • European cover: If you’re planning a trip to France or Spain, is cover included as standard, or do you need an add-on? Check the limit on the number of days allowed abroad.
    • The excess: Is the voluntary and compulsory excess affordable? A lower premium often means a much higher excess if you need to claim.
    • Friends and family: Are other people covered to tow and use the caravan, or is the cover restricted to you alone?

    Always check independent reviews for an insurer’s claims process. A cheap policy is only “good” if the company is helpful and fair when things actually go wrong.

    Looking for Touring Caravan Insurance?

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

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

    You can get a quote here.

    Sarah Blair

  • How Much Does Private Healthcare Cost?

    How Much Does Private Healthcare Cost?

    This article was published on 18 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.

    It’s well publicised that the maximum waiting time for NHS non-urgent, consultant-led treatments of 18 weeks is not being met in many cases. According to The Health Foundation, only 61% of patients have been waiting 18 weeks or less, and more than 192,000 patients have been waiting for more than a year, however this can vary depending on where you are in the UK.

    With private medical appointments being secured within days or weeks, depending on the condition and chosen provider, it’s understandable that more people could feel they need to turn to private treatments to access the medical care they need.

    So how much does it cost?

    The cost of private healthcare in the UK varies significantly depending on several factors, including the type of treatment, location, provider, and whether you have health insurance, are part of a healthcare scheme or pay out of pocket. Here’s a guide on the average costs and influencing factors:

    Typical Costs of Private Healthcare*

    • Initial Consultations: £120–£500 depending on specialist and location (2)

    Diagnostic Tests (1):

    • MRI scan: £365–£2,100
    • CT scan: £445-£890
    • X-ray: £99–£315
    • Blood tests (7): around £40-50 for a blood count test, but varies significantly depending on the test type

    Surgical Procedures:

    Factors Affecting Cost

    • Type of Treatment: More complex procedures cost more (e.g. heart surgery vs. minor skin surgery)
    • Hospital & Location: London-based private hospitals are more expensive than regional providers
    • Consultant Fees: Specialists with high demand charge higher fees
    • Length of Stay: Private hospital rooms vary considerably depending on the type of room and location
    • Additional Services: Physiotherapy, post-op care, and medication add to overall costs.

    Private Health Insurance or Discretionary Healthcare Schemes

    Private healthcare in the UK offers an alternative to the NHS, providing quicker access to treatments, specialist consultations, and private hospital facilities. Customers usually pay a monthly or yearly premium/subscription for a level of cover that helps with the cost of medical treatment.

    Cover usually starts from the day you start paying premiums/subscriptions, however most private healthcare policies exclude pre-existing conditions. It’s worth checking the exclusions of the scheme before you sign up.

    The Police Mutual Discretionary Healthcare Scheme

    The Discretionary Healthcare Scheme is set up for members of the Police family by the Police, to help with the cost of private medical treatment when you need it. It allows you access to treatment at a range of private UK hospitals and facilities and can reduce time spent waiting for diagnosis or necessary medical procedures. 

    The Healthcare Scheme is a discretionary scheme financed by the subscriptions of the members and is not an insurance product. Whereas an insurance product has a set criteria for claims, our discretionary scheme assess claims on a case-by-case basis in line with the scheme rules.

    There are no medicals, but pre-existing conditions (in the five years prior to joining the scheme), radiotherapy & chemotherapy treatments, dental treatments, emergency treatments and cosmetic surgery are not covered.

    For more information on the Police Mutual Healthcare Scheme or to get a quote click below.

    Find out more >

    *Prices accurate as of 08/04/25

    *Prices accurate as of 12/02/2026

    Sources:

    1. The Best of Health prices correct as of July 2025
    2. WeCovr
    3. Circle Health
    4. Circle Health
    5. Laser Eye Surgery Hub
    6. Circle Health
    7. National Blood test clinic

    Police Mutual Healthcare is a discretionary scheme and is not an insurance product. This product is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority and therefore is not covered by the Financial Ombudsman Service or the Financial Services Compensation Scheme.

    PMHC Limited, trading as Police Mutual, is registered in England and Wales No. 03018474. Registered office: Brookfield Court, Selby Road, Leeds, LS25 1NB

    Sarah Blair

  • Understanding Inflation and What it Means for Your Savings

    Understanding Inflation and What it Means for Your Savings

    This article was published on 29 January 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    Inflation simply means things cost more than they used to. When prices go up, your money doesn’t stretch as far. Because of this, it’s important to choose savings options that help your money keep its value over time.

    What inflation means

    Inflation affects everyday costs such as food, fuel, bills and more. When prices rise:

    • The money you’ve saved buys less
    • Your savings need to grow enough to keep up

    If your savings don’t grow as fast as inflation, the real value of your money drops. This is why choosing the right savings account matters.

    How inflation impacts your savings

    If your savings grow slower than inflation, the real value of your money declines even if the number in your account is rising.

    For example:

    • If inflation is 4%
    • And your savings return is 2%
    • Your purchasing power is effectively shrinking by 2% annually

    This is why selecting the right type of savings account matters, not just for growth, but for accessibility and financial resilience.

    How Police Mutual can help

    Police Mutual have partnered with No1 CopperPot Credit Union who offer savings accounts designed for the Police Family. This means you can start saving easily and regularly, even with busy or changing shift patterns.

    With a No1 CopperPot Credit Union savings account you can:

    • Save from £5 a month via payroll deduction or Direct Debit
    • Withdraw money when you need it (depending on the account)
    • Manage your account online or through an app

    Who can join?

    You can save with No1 CopperPot Credit Union if you are:

    • A serving or retired Police Officer
    • Police staff, a PCSO, or a Special
    • A family member living at the same address as a qualifying member
    • Are aged 18 or over and a UK / Isle of Man resident

    Why savings matter

    Saving regularly helps you stay prepared for:

    • Emergencies
    • Rising household costs
    • Future goals like holidays or home improvements

    Having accessible savings gives you a safety net, especially when inflation is high.

    Find Out More

    Sarah Blair

  • Building a Resilient Routine for Life in the Police: Practical Steps for 2026

    Building a Resilient Routine for Life in the Police: Practical Steps for 2026

    This article was published on 17 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.

    Working in policing means managing long shifts, unpredictable demands, and the emotional weight of helping others during their most difficult moments. A resilient routine isn’t about perfection – it’s about creating simple habits that help you stay steady, healthy, and grounded, even in the busiest periods.

    1. Start with Small Daily Non-Negotiables

    Police shift patterns often make traditional routines difficult to maintain. Instead of aiming for strict schedules, choose two or three “non-negotiables” you can do on any shift: drinking enough water, getting outside for ten minutes, stretching, or taking a proper meal break. Small actions are easier to keep consistent and make a big difference in energy and mood.

    2. Protect Your Sleep Window

    Resilience begins with rest. Try to keep a consistent pre-sleep routine regardless of when you’re finishing a shift. Blackout blinds, white noise, hydration, and avoiding caffeine towards the end of a night shift help your body settle. Even small improvements to sleep quality help with focus and emotional regulation.

    3. Make Space for Mental Reset Moments

    Policing can be emotionally heavy. Building techniques into your routine – such as mindful breathing, journaling, or talking things through with a trusted colleague – helps prevent stress from accumulating. If possible, you may benefit from taking five quiet minutes between tasks or calls to mentally reset.

    4. Keep Your Body Moving in Manageable Ways

    You don’t need long gym sessions to build resilience. Short, regular movement – walking the dog, taking stairs, quick strength exercises at home – boosts energy, reduces injury risk, and supports long-term wellbeing.

    5. Use Your Support Network

    Peer support, supervisors, and occupational health services exist to help you stay well. Reaching out early, or simply checking in, is an important part of a resilient routine.

    By prioritising small, repeatable habits, Police officers and staff can create a more sustainable, resilient rhythm that supports long-term wellbeing in a demanding career.

    For more information on wellbeing for members of the Police family, visit our Wellbeing Hub.

    Sarah Blair

    ,

  • Our 2026 Prize Draws Are Here – And You Could Be Our Next Winner!

    Our 2026 Prize Draws Are Here – And You Could Be Our Next Winner!

    This article was published on 11 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.

    A Look Back at 2025

    Following an exciting year of giveaways in 2025, where 22 lucky winners took home prizes ranging from gift cards to a fantastic £2,000 cash prize, we’re thrilled to announce that our free prize draws will continue throughout 2026!

    That’s right, completely free to enter, with no purchase required. Just a simple entry could see you walking away with something special this year.

    The First Prize Draw of 2026 – Enter Now!

    We’re kicking off 2026 with a fantastic new prize draw available now and it’s open until 31 March.

    You could win 1 of 4 Gift Cards worth £600 each, with the choice to choose from four supermarkets which include Marks and Spencer, Asda, Tesco, or Sainsbury’s . Perfect for stocking up on essentials, treating the family, or easing the cost of your weekly shop!

    Key details:

    • 4 winners
    • £600 supermarket gift card (winner chooses from 4 supermarkets)
    • Free to enter
    • No purchase necessary
    • Closes 31 March 2026

    Open to UK residents aged 18+, including:

    • Serving and Retired Police Officers
    • Police Staff, PCSOs, Special Constables
    • Family members of the above (including siblings, partners, grandchildren, grandparents)

    Entrants must be eligible for Police Mutual products. No purchase necessary. One entry per person.

    More Prize Draws Coming All Year Long

    This is just the start. We’ll be running a series of exciting prize draws throughout 2026 giving you even more chances to win cash, gift cards, and exclusive prizes.

    Whether you’re hoping for a little luxury, a useful boost to your budget, or simply the thrill of taking part, our prize draws are here to make 2026 brighter.

    Don’t Miss Out – Enter Today!

    Sarah Blair

  • 2026 Housing Market: What Home Buyers and Mortgage Holders Need to Know

    2026 Housing Market: What Home Buyers and Mortgage Holders Need to Know

    This article was published on 4 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.

    The Bank of England’s December 2025 interest rate cut marked another step away from the peak borrowing costs of the last two years. While rates are still higher than the ultra-cheap era many of us remember, the direction of travel is now much clearer.

    Here’s what the latest cut means, where that leaves us in 2026, what mortgage deals look like right now and how individuals and couples can prepare to buy or sell property over the year ahead.

    The December 2025 interest rate cut – the bigger picture

    The December cut was the latest in a small series of reductions during 2025, following a long period where the Bank of England held rates steady to bring inflation under control.

    The key points are that:

    • Recent trends indicate interest rates are no longer increasing
    • Rate cuts are happening, but slowly and cautiously
    • We are not heading back to near-zero rates anytime soon

    This matters because mortgage pricing is influenced as much by expectations of future rates as by the base rate itself. This sense of cautious reduction in interest rates is a careful balance between managing the economy and managing inflation.

    Where does that leave rate cuts so far?

    Through 2025, rate reductions happened in small steps rather than dramatic drops. The Bank of England has been clear it wants to avoid cutting too fast and reigniting inflation.

    Lenders had already priced in these expectations months earlier, meaning:

    • Many mortgage deals were improving even before December
    • Borrowers have started to feel real, tangible benefits

    The environment for homebuyers and home-movers is now noticeably more stable than it was just a year ago.

    What’s expected for 2026?

    Current market expectations point to:

    • Further modest rate cuts in 2026, rather than sharp falls
    • A ‘new normal’ where base rates settle higher than pre-2020 levels
    • Mortgage rates becoming more stable and predictable

    In practical terms:

    • Mortgage rates may drift down in small, steady steps
    • Volatility should reduce compared to the last few years
    • Lenders are likely to compete more aggressively on pricing
    • For buyers, sellers and anyone remortgaging, this means it’s now much easier to plan your next steps

    What mortgage deals are available now?

    Mortgage pricing has improved noticeably compared to 12–18 months ago.

    Fixed-rate deals are more competitive, especially at 2- and 5-year terms, we’re seeing:

    • Five‑year fixes appealing to buyers wanting long-term certainty
    • Two‑year fixes chosen by those anticipating further rate drops
    • More affordability flexibility from lenders
    • A wider choice of products for first-time buyers, movers and re-mortgagers

    What this means for buyers in 2026

    If you’re planning to buy in the next 6–12 months:

    1. Affordability is improving
    Lower rates mean borrowing power is gradually increasing, which helps first-time buyers and movers alike

    2. Competition may return
    As confidence improves, more buyers will re-enter the market. That can mean more competition for good properties

    3. Preparation matters more than timing
    Getting ‘’mortgage‑ready’ is more important than trying to predict rate bottoms

    What you should do now:

    • Get a mortgage Agreement in Principle early
    • Review your credit profile
    • Build a realistic budget that works even if rates don’t fall much further

    What this means for sellers

    For sellers, improving mortgage affordability is positive news.

    You can expect a larger pool of active buyers, with fewer sales falling through due to mortgage issues and gradually improving confidence. However, price growth is likely to remain modest and buyers are still value-conscious and well-informed.

    Seller preparation tips:

    • Avoid overpricing – today’s buyers are well‑informed
    • Make sure your onward mortgage options are clear
    • Be ready to move when the right offer appears

    Homeowners coming to the end of a fixed deal

    If you’re coming off a fixed rate in 2026:

    • You’re likely to remortgage at a lower rate than those rolling off in 2023–24
    • But payments may still be higher than your original deal

    Action points:

    • Start reviewing options 6 months before your deal ends
    • Don’t default to your lender’s standard variable rate
    • Consider your risk comfort when choosing between fixing or a variable rate

    How couples and individuals can prepare for the year ahead

    Whether buying, selling or remortgaging, preparation is key.

    Financial preparation:

    • Stress-test your budget at slightly higher rates
    • Reduce unsecured debt where possible
    • Build a buffer for moving costs and rate changes

    Strategic preparation:

    • Be clear on your timeframes
    • Understand how rate choices affect long-term plans
    • Get advice early, not after you’ve found a property

    Summary

    • The December 2025 cut confirms that rates are trending downward, but gradually
    • Mortgage deals are already improving and competition between lenders is increasing
    • 2026 looks more stable, predictable and buyer-friendly than the last two years
    • Preparation and good advice matter more than ever

    Daniel Mumford the Managing Director of Grange Mortgage & Protection Services Ltd stated that “conditions look a lot more favourable over the next 12 months, with increased competition and improving interests rate, but if the last 36 months have taught us anything, the world can be an unpredictable place and as such if the opportunity ever exists to secure a new mortgage deal at todays terms, that would always be advisable. However with a view if things do improve you can still take advantage of them, which is a concept we are happy to assist with and could prove really valuable if market conditions ever changed for the worse”.

    Navigating the mortgage market is easier with expert support. That’s where the Police Mutual mortgage advice service – provided by Grange Mortgage & Protection Services Ltd, comes in, supporting serving and retired Police Officers, Staff and their families by helping them find the right mortgage deal by providing:

    • Fee-free, impartial mortgage advice
    • Access to thousands of mortgage deals across the market
    • Specialist support for complex income, shift‑based pay and police‑specific needs
    • Help with first‑time buys, home moves and remortgages
    • A dedicated adviser throughout the process

    Whether you want to understand your borrowing potential, secure a competitive rate, or plan-ahead for later in the year, the mortgage advice service can help you make confident, informed decisions.

    Important things you need to know

    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.

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

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

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

    Find out more

    Sarah Blair

  • What is the luxury car tax and do I need to pay it?

    What is the luxury car tax and do I need to pay it?

    This article was published on 2 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.

    If you’re buying a car, especially a newer or higher-spec model, you may have heard mention of the luxury car tax and wondered whether it applies to you. Many drivers aren’t aware of this charge until it appears on their paperwork, and it can come as an unwelcome surprise.

    Here’s a clear, simple guide to what the luxury car tax is, who needs to pay it, and how it could affect you. Whether you’re buying new, second hand, or considering an electric vehicle.

    What is the luxury car tax?

    The “luxury car tax” isn’t a separate tax as such. It’s the commonly used name for the Vehicle Excise Duty (VED) expensive car supplement.

    In simple terms, it’s an extra annual charge added to standard car tax if your vehicle had a list price of more than £40,000 when it was new.

    This applies regardless of whether you bought the car outright, on finance, or second hand.

    When was the luxury car tax introduced?

    The expensive car supplement was introduced in April 2017 as part of changes to Vehicle Excise Duty rules in the UK.

    Since then, many cars that don’t feel especially “luxurious”, such as family SUVs or well-specified estates, can still fall into this category due to higher list prices.

    How much is the luxury car tax?

    If your car qualifies, you’ll usually pay:

    • An additional £450 per year (rate correct for 2024/25)
    • For five years
    • Starting from the second year the car is registered

    This is on top of the standard VED rate.

    So over five years, the supplement can add up to quite an additional amount, which is why it’s worth knowing about in advance.

    Does it apply to second-hand cars?

    Yes and this often catches people out.

    The luxury car tax is based on the original list price, not the amount you paid. This means that even if you buy a used car for well under the £40,000, you may have to pay the supplement if the vehicle originally had a list price of £40,000 or more and is still within its five-year supplement period.

    It’s always worth checking a car’s tax status before buying  

    What about electric vehicles (EVs)?

    Electric vehicles have historically been exempt from both standard VED and the luxury car tax, but this changed from April 2025.

    From 1 April 2025:

    • EVs started to pay Vehicle Excise Duty at levels dependent on the original registration date
    • Electric cars with a list price over £40,000 were also subject to the luxury car tax

    This is particularly relevant, as many EVs exceed the £40,000 threshold due to battery and technology costs.

    In the November 2025 budget, the Government changed the list price (on the road car price) threshold at which the expensive car supplement applied from £40,000 to £50,000, but for electric cars only. This enables a much bigger proportion of new electric cars to be exempt, going forward.

    These changes are effective from April 2026, but the change is retrospective for vehicles, meaning EV drivers who bought an electric car with a list price between £40,000 and £50,000 after 1 April 2025, will no longer have to pay the supplement.

    Protecting what matters on the road

    Whether you’re driving a brand-new car, a second-hand vehicle, or an electric model, having the right insurance in place is just as important as understanding the tax.

    Police Mutual offers Car Insurance designed with the needs of police officers, staff, and their families in mind. To find out more and see if it’s right for you, take a look at our car insurance options today.

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

    Police Mutual Car Insurance is provided by ERS.

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

    Sarah Blair

  • Safer Internet Day 2026

    Safer Internet Day 2026

    10 February

    This article was published on 30 January 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    Safer Internet Day is celebrated globally in February each year to promote the safe and positive use of digital technology for children and young people, and to inspire a national conversation about using technology responsibly, respectfully, critically, and creatively.

    Safer Internet Day 2026 is on 10th February and this year will be celebrated with the theme, ‘Smart tech, safe choices – exploring the safe and responsible use of AI’.  For more details of the day click here.

    Looking after your children online

    Our children have grown up using the internet from a young age, they probably use it every day to play games, watch videos, learn, and do research, and connect with friends.

    It’s important to help them to use the online world in a way that’s safe and positive for their mental health and to start to have conversations about being online from a young age and continue to do so as part of your regular conversations.

    Show your child how to use the internet in a positive way, to research things, to do homework, to talk to family, and to find out about the world. Talk to them about your own experiences online, including your own less positive experiences.  This may be concerning how you feel about showing the ‘perfect’ life for others to see on social media. Talking openly like this should help them understand that ‘perfect’ lives and photos that others share on social media don’t always show reality. Encourage them to talk to you if they have similar experiences.

    Ask your child to share with you their favourite Apps, games, or websites. This will help you understand how they work so that you can assess if you have any concerns. A quick online search may also help.

    You are your child’s role model, so, if you check your phone constantly at mealtimes, or play violent games in front of your children, then it’s likely your child might do the same.

    Set boundaries for your children but be realistic as they need to be age appropriate.   Whatever their age, it’s a good idea to sit down together with your child to talk about it and agree some rules about how much time they spend online. For example, using a device just before bed.

    If you think anything your child is accessing is not appropriate for their age, talk to them and explain why you think this. Where possible, make it a joint decision with your child, so they understand the reasons and are more likely to stick to it.

    Many children play games online, so it’s worth checking the ratings on the games your child is playing. There may be peer pressure for your child to play/buy a game that looks like it’s extremely violent or too old for them. It’s worth checking PGI ratings, which have more detailed information than ratings for films.

    You can set up parental controls to stop your child from accessing harmful content online. However, be mindful that your child may know how to get round these and that’s why it’s more important to make sure your child is able to make good decisions for themselves.

    It is a good idea to reassure your child that they can always talk to you

    You may want to regularly check with them if they’ve seen anything online that they are not comfortable with. Explaining that you won’t overreact, that you’d much rather that they told you about it. If they are upset or worried about something they’ve seen, talk to them about how they feel, and how they can avoid seeing the things again in the future. If necessary, help them to report or block content they find disturbing.

    Help your child to understand what is meant by personal information, so they can develop an awareness of why it’s significant and why they should be cautious about sharing this type of information or pictures of themselves online. For more details, read our bullying guide here.

    Although most social media platforms are officially 13+, most children sign up to at least one when they’re much younger. It’s better that you encourage them to be open with you about this, rather than them keeping it a secret from you. Be aware that if they accept your friend request or follow you on social media, it’s possible they may have another account that they’re not sharing with you.

    Bullying is awful, whether it happens face to face or online. Your child may be receiving nasty messages, people may be posting unwanted things about them, or they may feel harassed. To help them:

    • Encourage them to talk to you, it will really help them to talk things though with you and discuss what actions to take.
    • Make sure they understand how to block and report the people involved, and to use the privacy settings to limit what people can see on their profiles.
    • Help them understand that they are responsible for what they post and how posts may affect how others feel. They shouldn’t say anything online that they wouldn’t say in person.

    Some things for you to explain to your child

    What you put online stays online. Even things you delete can be saved or screenshot, including Snapchats meant for just one friend.

    • Forums and group chats can be a great way to connect, but don’t feel pressured to share more than you feel comfortable with. Remember, online strangers are still strangers.
    • It’s easy to over-share on social media, especially if you forget who can see your profile.
    • Help your child to change their privacy settings on each platform they are using, to make their account so it can only be seen by those you know and trust.
    • Make sure your child understands how to report or block things that aren’t appropriate or someone that makes you feel uncomfortable. Also, to talk to someone they trust about it if this happens.
    • Help your child to understand that they shouldn’t feel the need to be available all the time on social media. It’s okay to take a break, and you don’t need to take part in every conversation.

    Act on warning signs if you think something is wrong

    It’s important to act if you are concerned:

    • Talk to your child openly
    • Listen to what they have to say
    • Don’t judge
    • Make sure they know that you’ll always be there for them

    Whatever our age it’s important to think about staying safe online and avoiding cyber crime.   

    Alex Mculty