Not all policies are the same

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

Take some insurers - their premiums can soon increase. Many may charge interest if you want to pay by monthly direct debit, pushing the actual cost of the policy even higher. You may also be charged extra admin fees for policy changes or cancelling your insurance.

Police Mutual takes a different approach.

Our car and home insurance comes with:

  • No interest premium for paying monthly
  • No admin fees for changing your policy
  • No cancellation fees with our car and home insurance
  • We’ll also pay any cancellation fee charged by your existing insurer up to the value of £125
  • Earlier this year I changed my car insurace 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
  • Thanks for the way you handled my home insurance claim, very professional and no mucking about...


    - Andrew, Retired Officer
  • Thanks for all your help with the claim. You made the process painless and straightforward and im very grateful


    - Graeme, Police Scotland
  • 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

Be prepared when you enter the insurance Marketplace!

See how much you could save insuring with Police Mutual compared to your existing provider. And don’t forget – Police Mutual is dedicated to serving or retired Police Officers and Staff, Specials and your families.

  Police Mutual AA Insurance Services Direct Line LV= Saga
APR for monthly premiums No Charge 26.9% 21.0% 24.9% 26.7%
Policy set up 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 £15.00 £25.00
Cancellation fee No Charge £30.00 £47.70 £40.00 £50.00
  • AA Insurance Services
    26.9%
    £28.00
    £25.00
    £25.00
    £30.00
  • Direct Line
    21.0%
    No Charge
    No Charge
    No Charge
    £47.70
  • LV=
    24.9%
    No Charge
    No Charge
    No Charge
    £40.00
  • Saga
    26.7%
    No Charge
    £25.00
    £25.00
    £50.00

Swipe left and right to compare

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All figures are based on making policy changes or requesting duplicate documents offline. Details correct: May 2017, sourced from Insurance provider policy documents and quotes obtained online.

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

  •  Dedicated claims team
  •  24 hour UK based claims line and emergency helpline
  •  Domestic emergency cover as standard (up to £500 per claim)
  • Alternative accommodation following an insured loss

Terms and conditions apply

Apply now for home insurance