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

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

    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

  • 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.

  • 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.   

  • Children’s Mental Health Week 2026

    Children’s Mental Health Week 2026

    9 – 15 February

    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.

    Children’s mental health week is run through Place2Be, a children’s mental health charity that provides counselling, support, and training in UK schools.

    The first Children’s mental health week was held in 2015 and was set up to highlight the importance of children and young people’s mental health.

    This year’s theme is ‘This is my place’. This week has the aim to support the systems around children and young people to help them feel they belong. For more details click here.

    According to Place2Be around one in five children and young people have a probable mental health problem, which may continue into adulthood. 50% of adults with lifetime mental health problems first experienced symptoms by the age of 14.

    Like adults, the emotional wellbeing of children and young people is just as important as their physical health.  Good mental health will allow them to develop the resilience to cope with life’s ups and downs and to grow into well-rounded, healthy adults.

    Growing up is not easy, and sometimes it’s hard for children to cope with what is going on in their life.

    Most children grow up mentally healthy, but surveys suggest that more children and young people have problems with their mental health today than 30 years ago. It’s suspected that this is probably because of changes in the way we live now and how that affects the experience of growing up.

    Some of the mental health problems that can affect children and young people are:

    • Depression is more common in teenagers than younger children but affects more young people today than it did a few decades ago.
    • Self-harm is where somebody intentionally damages or injures themselves. It is a common problem amongst young people.
    • Anxiety can be triggered when changes happen in children’s lives, for example, changing schools. If anxious thoughts affect a child’s everyday thoughts and behaviour, they may need professional help.
    • Eating disorders is when you have an unhealthy attitude to food, types include anorexia nervosa or bulimia nervosa. The condition is most common in young women aged between 13 and 17.
    • Post-traumatic stress disorder (PTSD) is a disorder caused by an extremely frightening or stressful event or situation, for example, physical abuse, witnessing or being the victim of violence or extreme bullying.

    Things that can help keep children and young people to stay mentally well include:

    • being in good physical health, eating a balanced diet and getting regular exercise
    • having time and the freedom to play, both indoors and outdoors
    • being part of a family that gets along well most of the time
    • going to a school that looks after the wellbeing of all its pupils
    • taking part in local activities for young people
    • feeling loved, trusted, understood, valued and safe
    • being able to enjoy themselves
    • being able to learn and having opportunities to succeed
    • accepting who they are and recognising what they are good at
    • having a sense of belonging in their family, school, and community
    • feeling they have some control over their own life
    • having the strength to cope when something goes wrong and the ability to solve problems

    How to help your child

    As a parent you can help your child by having an open relationship, which encourages your child to talk to you if they are troubled.  Listening and taking their feelings seriously is the most important way you can help. They may just want you to listen or to have a hug, or they may want more practical help.

    If you child’s negative feelings don’t pass over time, you may want to consider obtaining some professional help, initially talk to you GP and see what they suggest.

    It’s also a good idea to talk to your child’s teacher at school, to establish if how they are feeling is affecting their schoolwork or friendships. They may have a school counsellor that your child can talk to. Different professionals often work together in Child and Adolescent Mental Health Services (CAMHS) run through the NHS.

    Like adults, children will respond to situations differently.  Depending on what is bothering them, they may be more clingy, anxious, withdrawn, angry or agitated. Remember to listen to your children and re-assure them.  Keep routines where possible or create new ones, building in time for learning, play and relaxation. The best way to communicate with your children is by talking about worrying news with open, confident, clear, and truthful facts.

    Here are some helpful tips:

    • News – the important thing about seeing or hearing the news is balance. Don’t force children to watch or hear news or shield them from it. Discourage overexposure, small doses of real-life news are helpful, whereas large doses may have a negative impact on children.
    • Questions – answer you children’s questions truthfully and let them know the facts about any situation. It is common for children to have misunderstandings about events so encourage them to ask questions, so you can correct any confusion. If you don’t know the answer to a question they ask you, explain you don’t know and then find out the answer and let them know.
    • Support – make sure you are there to support your children and let them know they are safe and loved.
    • Worry – let them know that it is normal to worry and that bad things happen, but not very often, so they do not need to be scared.
    • Time – ensure you find the right time to talk about what is worrying your child. If your child starts asking questions at an inconvenient time explain to them that you would like to talk to them about it later and invite them to remind you, so they know you really are interested.
    • Repetition – remember that children tend to repeat themselves when they are feeling uncertain or worried. They may need to ask the same question a number of times until they are feeling more reassured.
    • Truthful – be as truthful as possible. It can be tempting, when children ask a direct or tricky question, to avoid it by bending the truth. This can be unhelpful when they are talking to others about what happened. It is often more helpful to be as honest as possible.
    • Age appropriate – tailor the conversation to their age. All children have different temperaments and sensitivities. Their ability to understand the world, take in and react to bad news will depend on their age.

    If you have more than one child, you might want to talk about the news with them individually and tailor what you say to their needs and level.

    At the end of each day talk about the things in the day that you have been grateful for, it will very quickly become a habit and help children to find the positive, no matter how small, in even the worst of days.

  • Time to Talk Day 2026

    Time to Talk Day 2026

    5 February

    This article was published on 28 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.

    Time to Talk Day is on 5th February. It’s run by Mind and Rethink Mental Illness, in partnership with the Co-op. For more details click here.

    The day is about creating supportive communities by having conversations with family, friends, or colleagues about mental health. We all have mental health. By talking about it, we can support ourselves and others.

    The more conversations we have about mental health the more barriers we can break down and the closer we’ll come to ending mental health stigma and discrimination.

    Mental health problems affect one in four of us, yet it can lead to many people feeling isolated, ashamed, and worthless. 

    Time to Talk Day encourages everyone to be more open about mental health, to talk, to listen, to improve lives. Every conversation brings us a step closer to ending the feelings that too many of us experience.  Poor mental health can affect anyone, of any age, gender, or background.

    Starting a conversation with someone around their or your own mental health can feel uncomfortable. You may be worried that you will say the wrong thing but remember saying nothing is far worse.

    Here are some tips on helping others

    • Ask someone twice how they are feeling, this will give them the opportunity to be honest and to realise that you genuinely want to know.
    • Listen and don’t judge, it’s great that people are happy to talk to you about how they are feeling, so ensure you really listen to them.
    • Ask how long they have felt this way.
    • Ask if there is anything you can do to help.
    • Ask what support they need. Provide them with details of professional organisations, who may be able to help.
    • Treat them in the same way, don’t change the way you act towards someone once you are aware of their poor mental health.
    • Little gestures can have a big impact, this maybe just going for a walk, watching a film, or just having a cuppa together.

    The emotional wellbeing of children and young people is just as important as their physical health, just as it is for adults. Good mental health will allow them to develop the resilience to cope with life’s ups and downs and to grow into well-rounded, healthy adults.

    Like adults, children will respond to situations in different ways, such as being more clingy, anxious, withdrawn, or angry. Try to respond to your child’s reactions in a supportive way, listen to their concerns and give them extra care and attention. Remember to listen to your children and re-assure them.

    For more details on supporting your children’s mental health click here.

    Time to Talk Day isn’t just about helping others, it’s also about thinking about your own wellbeing.

    According to the Police Federation, research has shown that emergency services workers are twice as likely as the public to identify problems at work as the main cause of their mental health problems, but they are also significantly less likely to seek help. So, it’s even more important to look after your own mental health when working on the frontline.

    Here are some tips

    • Think about your purpose: be clear about why you are doing this job.
    • Be clear on expectations: make sure you know what is expected of you and whether it is realistic.
    • Keep your boundaries: establish clear boundaries between work and personal life, don’t take work home with you.
    • Talk to colleagues: make time to talk to your colleagues about your experiences and share fears and concerns.
    • Value your own family and relationships: while work is important, your family and relationships need to be valued.
    • Keep active: regular exercise can boost your self-esteem, can help you concentrate, relax, and increase your overall wellbeing. This can be as simple as a regular walk, being outside in nature can also help improve your mental health.
    • Get plenty of sleep: sleep helps regulate the chemicals in our brain that transmit information. These chemicals are important in managing our moods and emotions and an imbalance in those chemicals can result in us becoming depressed or anxious. Read our sleep guide here.
    • Eat well: A balanced diet that is good for your physical wellbeing is also good for your mental wellbeing. Your brain needs a mix of nutrients to stay healthy and function well. Read our healthy eating guide here.
    • Avoid alcohol: The numbing effects of drinking are only temporary and can often lead to mental health issues. Alcohol can also damage the immune system. Try to adopt positive coping strategies such as talking, going for a walk, or listening to music instead. If you do drink, try to stay within the recommended unit guidelines.
    • Keep in touch: it’s good for you to catch up with friends and family.
    • Take a break: a change of scenery or pace is good for you. Make sure you take time to relax and re-charge.
    • Do something you’re good at: doing something you enjoy, and you are good at can give you the ‘feel good’ boost that everyone needs. Enjoying yourself can help beat stress.
    • Care for others: supporting others uplifts you as well as them.
    • Ask for help: sometimes you need help from others, so don’t be afraid to ask for help, from a family member or friend, your GP, or a professional organisation, see the list at the end of this guide for more details.

    Mental health conversations have the power to make a big difference, but sometimes these conversations can bring up some difficult things that people may not have spoken about before. This might mean that they need some support.

    It’s important to seek professional advice as soon as possible and not wait until it’s more difficult to find a solution.

    If you feel a loved one, colleague or you need additional support, contact a GP, a counselling professional or one of the organisations below:

    We’ve teamed up with PayPlan*, one of the UK’s leading free debt advice providers, who offer free and confidential advice to anyone in serious financial difficulties.  They’re able to advise you on a range of debt solutions suited to your individual circumstances, helping to protect you and your family with a sustainable way to manage your debt. Get free and confidential help to combat your debt, call PayPlan* on 0800 197 8433

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

  • World Cancer Day 2026

    World Cancer Day 2026

    4 February

    This article was published on 27 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

    World Cancer Day on 4th February, is a day that unites people, communities, and entire countries to raise awareness and take action.

    World Cancer Day is led by the UICC, the Union for International Cancer Control. It is one singular initiative under which the entire world can unite together in the fight against the global cancer epidemic.  For more details click here.

    Being diagnosed with cancer is likely to cause lots of worries and fears not just for yourself but also, for your loved ones. It’s scary, and you may be having all sorts of thoughts, including which treatment will I need, will I die, how will I look after my family, will I be able to work, how will I pay the bills, or you may just feel numb and not be able to think of anything.  Everyone is different. You may feel out of control and experiencing high levels of pain.

    When going through cancer treatment, it’s not just your body which is affected; it will also put a strain on your mental health. Having lengthy and intensive treatment can dominate your own and your families lives.

    Worrying about the future, having to attend many hospital appointments, and maybe undergoing operations, not knowing how you’re going to feel each day, and even telling people that you’re going through treatment, can make some people very anxious.

    Feeling anxious is an understandable response to the trauma you’re going through. The symptoms of which vary and may include an accelerated heart rate, trembling, nausea, muscle tension, inability to relax and insomnia.

    When it comes to recovery, thinking about your mental health is as important as getting well physically.  So, don’t ignore your worries and make time to talk them through. Ensure you have a good support network of loved ones around you, as this is beneficial to your overall mood and progress. It’s also important to seek support from your GP or healthcare professional if you need it. Some cancer survivors develop PTSD, which will require specialist treatment.

    Having cancer can be very hard to cope with. When you are trying to cope with an illness there is no right or wrong way to feel. Everyone is different and you will deal with things in your own way. Cancer Research UK have produced information here on how to cope emotionally with your illness.

    Self-care

    Your recovery is about you, so you should make yourself the priority. Keeping up a good, but gentle health regime will help. Making sure you’re getting the right nutrition, getting a good night’s sleep, and doing the things you enjoy in between treatment sessions is vital and can really make a difference.

    You may struggle to do exercise but getting outside in nature and going for a short walk each day, can help reduce your anxiety levels and boost your mood. 

    Feeling sick and tired after treatments is very common, so it can be hard to maintain a varied diet.  Foods like soups, or easy to eat and digest foods like bananas are a good option. It’s vital to keep your body hydrated with water, which may help combat any feelings of nausea or fatigue.

    Where you can it’s important to live as normal life as you can whilst going through treatment.

    Of course, cancer recovery is not necessarily straightforward. There will be dark, painful, and sad days, but worst of all, there will be scary days. The main thing to remember is to use the support available to help get you through, and to make yourself the priority.

    For more information on managing cancer symptoms and possible side effects from treatment, including pain, sickness, and diet problems. Cancer Research UK have produced a ‘Coping Physically with Cancer’ guide, click here to read.

    Supporting a loved one with cancer

    When someone close to you is diagnosed with cancer it may feel overwhelming and you may struggle to know how you can help and support them. Explain this to them and ask them what you can do to support them.

    Regularly reach out to them, send them text messages, give them a call, meet them for a coffee or dinner. Remember even though they are going through treatment, they are still the same person. 

    If you are a close family member and can be physically present to support them, offer lifts to appointments or even to attend appointments together. Offer to sit in on telephone appointments or help them to organise their treatment schedule.

    If you have the time to offer practical support, offer to do the food shopping, the ironing or walk the dog.

    While someone suffering from a long-term illness may not want to be overcome with bunches of flowers, there are lots of other gifts you can send that may help to brighten their day or give them the boost they need. These could be items to help them sleep like pillow sprays, body creams or nutritious food items or a nice treat, like chocolate.

    If you are part of a wider family or group of friends, it may be worth arranging who will do what, so as not to overload your loved one but to ensure they receive regular contact from you all.

  • Supporting Your Mental Health During Demanding Police Shifts

    Supporting Your Mental Health During Demanding Police Shifts

    This article was published on 26 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

    Police work can be rewarding but comes with unique pressures. The long hours, exposure to trauma and high-stakes decision-making, can significantly impact your mental health. Which means that taking care of yourself, is just as important as the job you do.

    The mental health impact of policing

    • Burnout and exhaustion: An Oskar Kilo survey^ showed that 67% of Officers report physical exhaustion and 58% emotional exhaustion which could lead to less compassion and increased stress from trauma
    • Stress levels: In 2024–25, 17,752 officers were signed off for stress, depression, anxiety, or PTSD – a 22% increase from the previous year*.

    Simple steps you can take to help protect your wellbeing

    1. Take short breaks – Even a few minutes to breathe or stretch can help reset your mind
    2. Talk to someone – Sharing experiences with colleagues or friends reduces isolation
    3. Healthy habits matter – Hydration, balanced meals and exercise boost resilience
    4. Try mindfulness – Breathing exercises or grounding techniques can calm stress

    Where to Find Support

    Whether you need emotional support, practical advice, or healthcare services, there are dedicated resources available to you. Below are options offering confidential assistance, mental health support and wellbeing tools designed specifically for Police Officers.

    Police Mutual

    • 24/7 Care Line: Confidential support for anxiety, bereavement, financial stress, including mental health support
    • Private healthcare access: Covers in-patient and day-patient treatment (up to £30,000/year) and 24/7 GP consultations
    • Wellbeing Hub & Toolkit: Practical guides, calendars, and exercises for mental, physical, and financial health
    • Financial Support Services: Debt advice through PayPlan, savings, insurance and mortgages tailored to the police community.

    Visit Police Mutual

    Blue Light Programme

    Mind launched its Blue Light Programme in 2015. The programme focuses on reducing stigma and changing workplace culture to encourage open mental health conversations. Click here for more information.

    Oscar Kilo – National Police Wellbeing Service

    • 24/7 Mental Health Crisis Line: 0300 131 2789
    • Evidence-based resources and toolkits to create psychologically healthy workplaces.

    Visit Oscar Kilo

    Police Care UK:

    Is a charity offering confidential emotional, practical and financial support to serving and retired officers and their families affected by policing-related harm.

     Visit Police Care UK

    Thin Blue Line UK:

    Is a free, app-based therapy and wellbeing support for serving officers, seamless and confidential.

    Visit Thin Blue Line

    Lifelines (Scotland-specific):

    Includes Employee Assistance Programme (Vivup), Trauma Risk Management (TRiM), peer support, and family support tailored for Police Scotland staff

    Visit Lifelines

    Your role is vital and so is your wellbeing. Asking for help is a sign of strength, not weakness. Whether it’s a quick chat with a colleague or reaching out to Police Mutual or another support organisation, support is always available. Take care of yourself, because when you’re at your best, you can continue protecting others with confidence and resilience.

    Sources: *teampolice.uk^Oskar Kilo national wellbeing survey 2025

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

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

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

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

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

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

    Foldable Phones: Bigger Screens, Bigger Investment

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

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

    Smartphones: The Must-Have Upgrade for 2026

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

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

    Gaming on the Go: Next-Level Portability

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

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

    Headphones: Small Tech with Big Value

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

    Smart Wear: Always On, Always Active

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

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

    VR and AR Headsets: A New Reality for 2026

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

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

    Protect What Matters

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

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

    *Loss cover optional, item exclusions apply.

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

  • Park Home Versus Regular Home Insurance

    Park Home Versus Regular Home Insurance

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

    How park home insurance differs from regular home insurance

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

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

    What makes park homes different?

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

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

    Construction and structural differences

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

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

    Coverage variations

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

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

    Site-specific considerations

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

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

    Legal framework

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

    Premium considerations

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

    Finding the right coverage

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

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

    Looking for Residential Park Home Insurance?

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

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

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

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

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

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

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

    Why Consider an Electric Car?

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

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

    Current Incentives for UK Drivers

    There are numerous electric car incentives available:

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

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

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

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

    Is It the Right Time for You?

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

    Protect Your EV with Police Mutual Car Insurance

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

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

    Police Mutual Car Insurance is provided by ERS.

    Photo by CHUTTERSNAP on Unsplash