• Spring Statement 2019 – What it means for you

    Spring Statement 2019 – What it means for you

    This article was published on Mon 01 Apr 2019. 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 Spring Statement is the first of the Treasury’s annual updates on the country’s economic health, and this year it has the added complication of coming just two weeks before the date the UK is scheduled to leave the European Union.

    The Chancellor opened his statement by referring to the Brexit vote of the 12th March 2019, saying it “leaves a cloud of uncertainty hanging over our economy” but he insisted the economy is “remarkably robust”. He pledged £26.6 billion to boost the economy if the UK leaves the European Union with a deal but warned that a disorderly Brexit could deal a “significant” blow to UK economic activity over the short term.

    Amongst the reports on public finances, growth forecasts and government borrowing the Chancellor announced the following plans and initiatives:

    UK – Open for Business

    • In a bid to improve the flow of passengers and the overall experience at the UK border, from June 2019, citizens of the US, Canada, New Zealand, Australia, Japan, Singapore and South Korea will be permitted to use e-gates at UK airports and Eurostar terminals
    • From June 2019, landing cards at UK airports will begin to be abolished to reduce bureaucracy and speed up the processing of passengers in arrival in the UK

    The environment

    • To ensure that new homes are better for the environment and to help keep consumer energy bills low, the government will introduce a Future Homes Standard by 2025. This will support the future proofing of new build homes with low carbon heating and world-leading levels of energy efficiency

    Schools

    • To help tackle period poverty, free sanitary products will be available in secondary schools and colleges in the next school year

    Knife Crime Funding

    • £100 million will be made available over the next year to Police forces in England and Wales to help tackle knife crime. This has been ring-fenced to pay for Police overtime and to fund new ‘Violent Crime Reduction Units’

    Spending Review

    • The Chancellor announced plans to launch a full three-year spending review this summer, assuming that the UK leaves the EU with a deal. This will set departmental budgets for resource spending on such things as social care with a focus on “high-growth economy with public services that work for everyone”

    Chris Morey

  • Top tips for buying a new car

    Top tips for buying a new car

    This article was published on Fri 01 Mar 2019. 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 are thinking about buying a new car it’s important that you make the right choice and get the best possible deal available. A new car represents a considerable investment, so before you part with your hard earned cash, check out our tips on buying a new car.

    The best time to buy: buying at the right time can help you get a great deal. Most dealers have targets to meet and these are generally based on quarterly sales. Meaning that the end of March, June, September and December could be a good time to buy as dealers may be more willing to negotiate.

    Get a final price: some dealers display prices which do not include the additional costs associated with buying and registering a new car such as delivery and number plates. Ask the dealer for a full and final breakdown of ‘on the road’ costs for the car before committing to any purchase.

    Consider optional extras carefully: when looking at optional extras for your car think carefully about whether you really need them and what difference they are making to the purchase price – especially if you are paying for your car with finance. Try to stick to added extras that could add to the resale value of your car such as parking sensors or built in sat nav.

    Look at pre-registered options: to help meet their sales quotas, dealers sometimes buy new cars themselves. These cars are classed as ‘pre-registered’ and can be offered for sale with significant discounts. If you are considering this option, remember that the cars records will show the dealer as the first registered owner of the car. Choosing this option could mean that you get all the benefits of a new car at a discounted price.

    Take a test drive: there is no better way to get the feel of a new car than taking for a test drive. If you are considering different cars from different manufacturers then this can be a great way to compare them. As well as how the car drives, remember to check what the passenger space is like and if children’s car seats can easily be fitted.

    Check out the warranty before signing: your new car will usually come with a warranty from the manufacturer. The period and terms of cover differ between dealers so make sure that you review this before committing to the car purchase. Some dealers offer extended warranties at additional cost, don’t be pressured into buying this until you have checked out exactly what’s covered and for how long.

    Part-exchanging? Do your research: if you’re planning to part exchange your current car, go online and get an idea of your car’s value based on its age, condition and mileage. This will give you a benchmark to compare against the price offered by the dealer. You may be able to get more by selling your car privately but this can be time consuming and stressful when compared to part exchanging.

    Car Insurance: car insurance can be expensive so remember to shop around for the best deal.

    Ensure that you also review the benefits of the policy to ensure that it meets your personal needs – e.g. that it includes business insurance if you require it for business travel.  

    Don’t forget to check the amount of voluntary and compulsory excess that apply to the policy as this is the amount you agree to pay upfront if you make a claim. It’s wise to make sure these are affordable should the worse happen.

    To find out more about Police Mutual car insurance and to get a quote click here.

    Research your finance options: most dealers will offer a number of finance options which may include hire purchase loans and lease agreements. When considering car finance be aware of any fees and charges that apply and remember to compare the rate of interest as these can vary widely.

    Alternatively, arranging a personal loan from an independent provider separately from your car purchase could allow you to shop around for the most favourable terms available to you.

    We’ve teamed up with Neyber, our trusted partner to offer loans to the Police family.

    So if you’re looking to purchase a new car – Neyber may be able to help with a personal loan.

    Rates from 3.9% to 18.9%

    All loans are subject to status and acceptance by Neyber

    • Simple online application
    • Money could be in your account within one working day of loan approval
    • Fixed monthly repayments by direct debit
    • Make overpayments or early repayment of the loan free of charge
    • Neyber rated ‘excellent’ on Trustpilot

    Representative example

    You could borrow a loan amount of £9,000 with a monthly repayment of £222.07 over a term of 48 months at a 8.9% (fixed) rate of interest per annum. Administrative fees are £0. Total amount repayable is £10,659.56. This is equivalent to 8.9% APR Representative.

    Important things you need to know

    Police Mutual is acting as a credit broker. Neyber Limited is acting as lender for purposes of entering into a consumer credit agreement. Rates depend on loan amount, term and your individual circumstances and may differ from the Representative APR.

    All loans are subject to status and acceptance by Neyber.

    Please note, loans are not currently available for PSNI members and their families.

    PMGI Limited, trading as Police Mutual, is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 1073408. Registered office Alexandra House, Queen Street, Lichfield, Staffordshire WS13 6QS. Neyber Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register number 718709. Registered address: 1st Floor, 3 Finsbury Avenue, London, EC2M 2AR. Company registered number: 08806631

    Chris Morey

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  • Buying a used car: how to make the most of your budget

    Buying a used car: how to make the most of your budget

    This article was published on Fri 01 Mar 2019. 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

    One of the benefits of buying a used car is that sellers and dealers are often fairly flexible on price.

    Remember to do your research before you buy as the more knowledge you have about the car the better your negotiating position will be.

    1. Get expert advice: use one of the motor industry publications such as What Car or Parkers to check the market rate for the model of car you’re purchasing. You can also compare the pros and cons of various car models such as fuel economy, ride quality and fixtures and fittings.

    Consider using the DVLA’s vehicle enquiry service to see what details they hold on the car and the Government’s MOT history check tool to make sure everything is as you expected.

    Once you have decided on a car to buy, it’s advisable to order a HPI check to make sure it’s not stolen or has any outstanding finance on it.

    2. Consider the costs of running your car: before you buy a car it’s wise to get an idea of what it’ll cost to keep on the road.

    3. MOT: cars over 3 years old need to pass an MOT each year at an authorised test centre. The cost of the test varies dependant on the vehicle, up to a maximum cost of £54.85*. Remember to shop around as you can often get a cheaper test price deal.

    4. Car Tax: most UK drivers need to pay car tax, however some cars and electric cars are exempt. You can find out how much it’ll cost and about any exemptions on the gov.uk website.

    5. Car Insurance: car insurance can be expensive so remember to shop around for the best deal.

    Ensure that you also review the benefits of the policy to ensure that it meets your personal needs – e.g. that it includes business insurance if you require it for business travel.

    Don’t forget to check the amount of voluntary and compulsory excess that apply to the policy as this is the amount you agree to pay upfront if you make a claim. It’s wise to make sure these are affordable should the worse happen. To find out more about Police Mutual car insurance and to get a quote click here.

    6. Breakdown cover: this will provide you with cover should the car breakdown. Some policies also include roadside assistance and recovery. You may already have this cover with your car insurance or packaged bank account, so remember to check before you buy.

    7. Fuel: fuel is not cheap so it’s worth considering buying a car with low fuel consumption.

    8. Servicing & repairs: getting a car serviced regularly can save you money in the long run and make sure that the car runs efficiently. When you are looking for your new car remember to check out the service history before you buy.

    9. Explore your finance options: it’s important to stay within your budget, so work out what you can afford each month and how long you want to be making monthly repayments. If you are thinking about taking out a loan there are a number of different options available. If you are buying from a dealership, you may be offered finance direct from them. Alternatively, arranging credit from an independent provider separately from your car purchase could allow you to shop around to find a loan with the most favourable terms for you and negotiate on the price of your car.

    Remember:

    • Make sure you find out the total cost of the debt when comparing different loans and methods of car finance
    • Find out if there are any restrictions for paying off the debt early and what charges will apply
    • Check how flexible it is. For example if you want to sell the car before the end of the loan term

    We’ve teamed up with Neyber, our trusted partner to offer loans to the Police family.

    So if you’re looking to purchase a used car – Neyber may be able to help with a personal loan.

    Rates from 3.9% to 18.9%

    All loans are subject to status and acceptance by Neyber

    • Simple online application
    • Money could be in your account within one working day of loan approval
    • Fixed monthly repayments by direct debit
    • Make overpayments or early repayment of the loan free of charge
    • Neyber rated ‘excellent’ on Trustpilot

    Representative example

    You could borrow a loan amount of £9,000 with a monthly repayment of £222.07 over a term of 48 months at a 8.9% (fixed) rate of interest per annum. Administrative fees are £0. Total amount repayable is £10,659.56. This is equivalent to 8.9% APR Representative.

    Important things you need to know

    Police Mutual is acting as a credit broker. Neyber Limited is acting as lender for purposes of entering into a consumer credit agreement. Rates depend on loan amount, term and your individual circumstances and may differ from the Representative APR.

    All loans are subject to status and acceptance by Neyber.

    Please note, loans are not currently available for PSNI members and their families.

    *correct as at March 2018 – https://www.moneyadviceservice.org.uk/blog/how-much-does-an-average-MOT-cost

    PMGI Limited, trading as Police Mutual, is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 1073408. Registered office Alexandra House, Queen Street, Lichfield, Staffordshire WS13 6QS. Neyber Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register number 718709. Registered address: 1st Floor, 3 Finsbury Avenue, London, EC2M 2AR. Company registered number: 08806631

    Chris Morey

    ,

  • Brexit No Deal Green Card

    Brexit No Deal Green Card

    This article was published on Fri 01 Mar 2019. 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

    Anyone planning to take their vehicle to Europe after 29 March (the date the UK is due to leave the EU) is being urged to prepare for a no-deal Brexit.

    Drivers are being encouraged to ensure they have the correct documents in place. Until new agreements with EU countries are finalised, drivers risk breaking the law without them.

    Do I need a Green Card?

    A Green Card is a document that proves a driver is insured when driving in any EU country, Norway, Iceland, Switzerland, Serbia, Andorra or Liechtenstein.In the event of a no-deal, EU regulations state motorists need to carry proof of insurance with them in the form of a Green Card.

    A Green Card is a document that proves a driver is insured when driving in any EU country, Norway, Iceland, Switzerland, Serbia, Andorra or Liechtenstein.

    Drivers should obtain a Green Card from their insurer one month before they travel, the Association of British Insurers (ABI) has warned.

    If you’re a Police Mutual Car Insurance policy holder and are planning to drive in Europe, make sure you contact us at least two weeks before you travel so we can get your Green Card issued in time.

    The best way to get in touch is to call us on 0151 236 4511.

    Those who travel without a Green Card may be breaking the law so it’s always best to check with your car insurance provider before you travel.

    You can find out more about Green Cards at the below links.

    Association of British Insurers Motor Insurers Bureau

    Will I need an International Driving Permit?

    If you travel before 29 March 2019, you can use your UK driving licence to drive within the EU/EEA. If you drive outside of this area, or are travelling after the UK leaves the EU, you’ll need an International Driving Permit (IDP).

    It’s a recognised multi-language translation of your driving licence.

    It costs £5.50 and you can buy it from the Post Office. You have to be over 18 and own a full driving licence to be able to apply for an IDP.

    Although the minimum age for driving a car in the UK is 17, other countries may have their own rules so it’s worth checking.

    Driving without an IDP could result in you being fined or prosecuted. In addition you must carry your UK licence too.

    You can find out more about IDPs at the below link.

    International Driving Permits

    Don’t forget, you get a 10% discount when you buy your car insurance with us online. Visit our Car Insurance page to find out more and get a quote today.

    Chris Morey

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  • Keeping children safe online

    Keeping children safe online

    This article was published on Fri 01 Feb 2019. 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 2019 takes place on 5 February 2019 and creates a wide range of activities to promote the safe and responsible use of technology by children and young people. With many children now using tablet devices, phones and laptops, it’s important to remind children of how they can stay safe online as well as ensuring that the latest security updates are installed on all their devices.

    Many children use the internet to play games, watch videos (YouTube Kids is a well-known favourite!), use social media and research topics to help with their homework. So, teaching them lessons about the risks could prove to be very valuable in the long term. If you haven’t thought about it already, maybe take a few minutes to brush up on your knowledge by reading our checklist below.

    Teaching children to stay safe online – checklist

    1) General risks

    Children need to be made aware that using the internet comes with a range of risks – their actions are directly linked to their online safety and can even have an impact on your wallet. Talking openly and regularly to your child, sharing time on the internet together and setting family rules about using the internet are some of the best ways to help keep your children safe online. They need to know that the internet is a useful tool but that actions online can have repercussions. If you make this clear to them, in language they can understand, it’s an important first lesson. Most social media platforms will have age restrictions to protect children, so it’s worth checking that your child is only accessing sites suitable for their age.

    2) Don’t trust that people are who they say they are

    It’s easy for someone to create a false identity online. And, sadly, not everyone has good intentions. Have a rule with your children that they should never arrange to meet someone they have ‘met’ on the internet and to tell you immediately if they’re worried about something (or someone) they encounter online.

    3) Keep personal contact details private

    Make sure your child understands never to give out personal details to anyone online, including phone numbers, email addresses, their home address, or anything relating to their age, school, friends or family.

    4) Be careful when posting or sharing content

    If you let your children post in chat rooms then it’s a good idea to check that the chat room is moderated. This means that a comment will be approved by an administrator before it’s posted for the world to see.

    Encourage them to think about what they choose to post, reminding them that whatever they say could be around for a long time. The internet doesn’t easily forget – show them examples of recent celebrities whose old social media posts have come back to haunt them!

    5) Friend requests

    It’s important for children to understand that online security is more important than popularity contests, so they should keep their social media accounts private and only accept friend requests from people they know.

    If possible, it’s also a good idea for you to become ‘friends’ with your child on social media, so you can see what they’re posting and who they’re connected to. This is a particularly good idea if you’re worried about who they’re speaking to or notice a change in behaviour.

    6) Parental control settings

    Parental controls are an important way to keep your child safe online. They can be used to block upsetting or harmful content, control in-app purchases or manage how long your child spends online.
    Some even allow you to set up regular reports for your peace of mind. And the good news is that parental controls are really easy to set up. Innocent searches sometimes reveal results that are not so innocent. So if you’re worried about what your child is searching for online, who they’re talking to or what they’re seeing, use parental controls. Most devices have some inbuilt control features and you can search for more tools online.

    What to do if they’ve got any problems…

    Make sure your children know to tell you if they have any issues online. You can then choose the right course of action to take, whether that’s just a case of reassuring them or checking for more information. In extremely rare cases, you may need to seek advice from Action Fraud, the CEOP (Child Exploitation and Online Protection Command), or by calling 101 to speak to the Police for non-emergency guidance.

    It’s also worth checking with your children’s school to see what ‘internet security’ teaching they cover as part of the curriculum.

    For more information on Safer Internet Day visit www.saferinternetday.org.uk

    Police Mutual Assurance Society Limited, trading as Police Mutual, is an incorporated friendly society. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire WS13 6QS. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority

    Want to learn more? Access our wellbeing hub here.

    Chris Morey

    ,

  • What affects your car insurance price?

    What affects your car insurance price?

    This article was published on Fri 01 Feb 2019. 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 a regular reader of newspaper money pages or online articles, you’ll have no doubt come across the topic of rising car insurance prices making an appearance now and then. Recently there has been frequent mentions that prices are on the rise, with Brexit, rising fraudulent claims and increased technology, amongst others.

    Although car insurance prices can vary due to a number of reasons, we thought it would be handy for you to know some of the factors that could affect the price you receive – from age and driving experience to where you live and your claims history – we give you the lowdown on what could drive your price.

    We take a look the factors that affect the price that you’re quoted:

    Your age and driving experience

    As you get older and you’ve held your driving licence for longer, you’re considered to be more experienced on the roads. Some believe that statistically you’re less likely to be involved in an accident so you can expect to pay a lower price.

    Younger drivers, aged between 17 and 25, typically face paying the highest premiums. All is not lost; if you have a careful young driver in your family then MORE TH>N SM>RT WHEELS might be just the ticket!

    Older drivers are seen to be a higher risk because the chance of you being involved in an accident increases in later life.

    Your job

    Your career might mean that you spend more time driving your car for business use or you use it to commute to work during the week. It’s important you select the right level of cover and that you provide an accurate estimated annual mileage.

    Two similar job titles can provide two very different prices so make sure to be as accurate as you can when entering your job title.

    Where you live

    If you live in a built-up area where the risk of accidents is generally greater, then you’ll pay more for your car insurance. It might be a well-known accident blackspot or have a dangerous road junction in your town, or you could live near a road with high levels of vehicle crime.

    It can vary between nearby postcodes. A car owner who lives on a busy main road may have to pay higher prices because more accidents have been reported there than in the cul-de-sac round the corner.

    Your claims history

    If you’ve made a claim within the last five years this will have an impact on the price quoted.

    Your car

    A little run about is not only cheaper to run but also cheaper to insure for most people. A larger engine or newer car is typically more expensive to repair. They are also more attractive to car thieves so you can expect to pay more to insure it.

    Alarms, immobilisers and other built-in security devices may help reduce your premium. Thatcham Research, the motor insurers’ automotive search centre, has some handy tips on their website.

    Points on your driving licence

    If you have points on your driving licence, this will have an affect on the price quoted.

    The type of cover

    You’d think that the higher the level of cover you go for, the more you’ll pay but this isn’t always the case. It’s worth checking the price for each level of cover on offer as well as making sure the one you select meets your needs.

    Increase your excess

    You can reduce your premium by increasing the voluntary excess to an amount you’re able to pay on top of the compulsory excess if you need to make a claim.

    Your gender

    This used to be a factor, but in 2012 the EU ruled that companies could no longer consider your gender when providing a quote for a product or service so this no longer affects your price.

    It’s not all about you…

    It’s also important to remember that your insurance policy doesn’t just provide cover for your car – it’s also there to protect other road users against accidents you might cause.

    Police Mutual offers car insurance for serving or retired Police Officers and Staff, Specials and their families. For more information about our car insurance and how you could benefit, click here or call 0151 242 7640

    Police Mutual Car Insurance is provided by Royal & Sun Alliance Insurance plc.

    PMGI Limited, trading as Police Mutual, is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 1073408. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. For your security, all telephone calls are recorded and may be monitored.

    MORE TH>N SM>RT WHEELS Young Driver Car Insurance: via an introduction by PMGI Limited to MORE TH>N. MORE TH>N is a trading name of Royal & Sun Alliance Insurance Plc.

    Royal & Sun Alliance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered office: St Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Financial Services Register No. 202323.

    Chris Morey

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  • Is Blue Monday real?

    Is Blue Monday real?

    This article was published on Mon 14 Jan 2019. 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

    Back in 2005, a simple press release* first identified the third Monday in January as the most depressing day of the year. It was ‘backed up’ by a scientific equation that looked at a basket of things: our levels of personal debt, how long we travel to work, the days since our New Year’s resolutions fell away, and so on.

    Based on this formula Monday 21 January 2019 is likely to be regarded as ‘the most depressing day’ of the year, or Blue Monday, as it has become known.

    Is it true? Well, it probably varies from person to person, but what it does remind us to do is to take stock and explore options should we have any health or money worries, and that can be a powerful thing to start a New Year.

    With money worries being one of the largest wellbeing challenges facing members of the Police family today, it can be tempting to opt for easy, quick-fix options when it comes to finance. Taking on further borrowing can lead to spiralling debt, difficulty in making repayments and vastly increasing stress levels.

    The stress of dealing with financial pressures does not just affect your personal life. It can affect your work, family life, health and relationships. We recognise that sharing your concerns with the people closest to you isn’t always an option.

    Taking positive steps to address things that are weighing upon our minds is always important and here at Police Mutual we have teamed up with PayPlan who are an independent, FREE, debt management company. If you are in serious financial difficulties they can offer free support to help you regain control of your finances.

    So if money troubles are something you are experiencing then why not use Blue Monday as a prompt to get some help and guidance.

    PayPlan is a trading name of Totemic Limited. Company No. 02789854. Totemic Limited is authorised and regulated by the Financial Conduct Authority.

    Police Mutual Assurance Society Limited, trading as Police Mutual, is an incorporated friendly society. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority

    * Cliff Arnall for Sky travel.  Find out more at Wikipedia https://en.wikipedia.org/wiki/Blue_Monday_(date)

    Want to learn more? Access our wellbeing hub here.

    Chris Morey

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  • Police Mutual and NARPO working together

    Police Mutual and NARPO working together

    This article was published on Wed 01 Aug 2018. 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

    NARPO are one of our most trusted partners and we value being mutually supportive of each other’s members and organisations.

    “Improving the lives of members” is a simple thing to say, and it’s the reason Police Mutual exists. It’s something we’ve been doing for serving and retired Police Officers, Staff, Specials and their families, as well as the wider Police Service since 1866.

    In order to ensure we bring this purpose to life for retired Police Officers we are dedicated to supporting NARPO and its membership.

    We have worked closely with NARPO to tailor our products for their members.

    We provide services and support to NARPO that spans respite care, community support funding such as Force for Good, and Care Line, a nurse led counselling service.

    For those with financial questions and challenges we’ve team up with PayPlan who offer a debt advice service. We also make sure we recognise the great work carers do with our Act of Kindness scheme, offering a hamper of treats or a fresh bouquet of flowers as a humble “thank you”.

    To continue our support of NARPO and their three themes of ‘Life, Leisure and Work’, we are currently enhancing our Retirement Centre to incorporate more NARPO features. We’ve worked in collaboration with NARPO to curate knowledge and information we trust will be valued by our members.

    Check out our Retirement Centre here.

    Chris Morey

  • Force Awards 2018

    Force Awards 2018

    This article was published on Tue 08 May 2018. 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

    Innovation
    This award recognises the Force Authorised Officer who has helped raise awareness of our products and services in all kinds of special, unique and highly effective ways.
    Winner: Nick Wyer (Dorset Police)
    Runners-up: Martin Guest (Humberside Police), Neil Burns (Police Scotland)
    Raising awareness
    This award recognises the Force Authorised Officer who’s been magnificent at ‘spreading the word’! Helping us to get our improving lives story heard in their force and making sure we can access harder to reach groups.
    Winner: Kirsty Norman (Derbyshire Constabulary)
    Runners-up: Karen Todd (PSNI), Sarah Cook (Thames Valley Police)
    New membership (Smaller Forces)
    This award recognises increasing new membership by the largest amount.
    Winner: Gloucestershire Constabulary
    Runners-up: Bedfordshire Police, Cumbria Constabulary
    New membership (medium Forces)
    This award recognises increasing new membership by the largest amount.
    Winners: West Yorkshire Police
    Runners-up: MET Police Service, Police Scotland
    New membership (Larger Forces)
    This award recognises increasing new membership by the largest amount.
    Winners: West Yorkshire Police
    Runners-up: MET Police Service, Police Scotland
    Special recognition
    This award recognises the Force Authorised Officer who has gone the extra mile in creating excellent opportunities for Advocacy, Access and Awareness. Helping to effectively deliver the Police Mutual Improving Lives Story, this person has truly made a world of difference.
    Winner: Claire Batt (Ministry of Defence Police) and Mark Payne (West Midlands Police)

    Chris Morey

    ,

  • The Police Mutual Group – making a difference to Police and Military lives

    The Police Mutual Group – making a difference to Police and Military lives

    This article was published on Thu 15 Mar 2018. 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

    Improving the lives of our members and customers in the Police and Military families is at the heart of everything we do and, with no shareholders, it means our focus is firmly on the people who protect us.

    Take a look at our latest Group report which demonstrates our ongoing commitment to making a difference to the financial, physical, mental and community wellbeing of those who work in the Police and Military and their family members.

    Get the report

    Please note that this file is 8MB

    Chris Morey