Not all policies are the same

Why? because when searching for insurance, you sometimes have to look behind the headline policy cost.

Insurers will display the full cost of the policy where you have indicated you wish to pay your premium in full, where you choose to pay monthly some insurers will display the total monthly cost which often includes additional interest payable and not just the premium.

Police Mutual takes a different approach.

Our car and home insurance comes with:

  • Pay monthly at no extra cost
  • No admin fees for making policy changes
  • No cancellation fees with our car and home insurance
  • We make it easier to switch by paying the cancellation fee that may be charged by your current provider up to £125

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

  • Earlier this year I changed my car insurance to Police Mutual and have now recommended you to several members of my family who have also taken out insurance and saved money

    - David, Police Officer, Scotland
  • I've never found better value than being with @policeMutual for both house and car insurance

    - Via Twitter, Paul, Retired Officer
  • The friendly service offered by Police Mutual is beyond some of the best customer service I have ever experienced and I will be sure to use them again in the near future for other products they offer

    - Sam, Home Insurance & Mortgages member

How do we compare with other insurers?

Comparison table below is based on car insurance

  Police Mutual AA Insurance Services Direct Line LV= Saga
APR for monthly payment No Charge 26.9% 24.1% 24.9% 26.7%
Policy arrangement fee No Charge £28.00 No Charge No Charge No Charge
Policy adjustment fee No Charge £25.00 No Charge £15.00 £25.00
Duplicate document fee No Charge £25.00 No Charge No Charge £25.00
Cancellation fee No Charge £30.00 £48.16 £40.00 £50.00
  • AA Insurance Services
  • Direct Line
    No Charge
    No Charge
    No Charge
  • LV=
    No Charge
    No Charge
  • Saga
    No Charge

Swipe left and right to compare


Policy details were obtained by completing online quotations via the provider's website, policy documents and details published on their websites. Details correct: 18 May 2018

Car Insurance

  •  Uninsured driver cover
  •  Lifetime no claims discount, subject to eligibility
  •  2 years new car replacement
  •  Courtesy car following an accident or theft
  •  10% multi-car discount

Terms and conditions apply

Apply now for car insurance

Home Insurance

  • 24 hour UK based emergency helpline
  •  Domestic emergency cover as standard (up to £500 per claim)
  • Alternative accommodation following an insured loss
  • Renters policy also available

Terms and conditions apply

Apply now for home insurance