• 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.

  • 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.

  • 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.

  • 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)
    ,
  • How to Avoid Being a Victim of Identity Theft

    How to Avoid Being a Victim of Identity Theft

    This article was published on Thu 01 Feb 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

    This is commonly referred to as ‘identity theft’ and often leads to ‘identity fraud’, which is when criminals use stolen identities to obtain goods and services dishonestly.

    This can involve taking out loans, claiming state benefits, opening a new bank account, taking control of an active current account, registering for credit cards, and signing up to contracts for items such as mobile phones. They can even obtain a new passport or driving licence using a victim’s identity.

    Identity fraud victims can lose a lot of money and have their credit history negatively affected, which can also have an impact on their future finances. With this in mind, the best thing you can do to stop the fraudsters in their tracks is keep your personal details secure…

    Dos and don’ts – protecting your identity

    DO:

    1) Install the latest antivirus software on your devices and regularly check for updates (even when you have selected an ‘automatic update’ option).

    2) Shred any receipts, bills and delivery labels that display your personal information.

    3) Regularly check your credit report for entries you don’t recognise. You can get your credit report from one of the three credit reference agencies: Noddle, Equifax and Experian.

    4) Take action if you receive bills or receipts for purchases you haven’t made or any notifications relating to financial activity you haven’t authorised. Call your bank immediately if there is unusual activity you can’t account for on your statement.

    5) Cancel your debit/credit cards as soon as possible if they are lost or stolen. Keep your bank/credit card company emergency contact numbers stored in your phone and written down at home.

    6) Use different passwords for every online account you have. Strong, unique passwords increase your security by making it more difficult for a fraudster to guess a password in the first place. It’s also a good idea to change your passwords regularly. Use a combination of upper case and lower case letters, numbers and special characters, and make your password a minimum of 8 characters. Avoid easily guessable passwords – for example, single dictionary words or passwords based on something people can find out about you. Try using a sentence that is hard to guess but easy to remember. And remember, if you think someone may know your password, change it immediately.

    7) End any phone calls where you’re worried that the caller might not be who they say they are. If the call is allegedly from your bank and you want to check, wait for a few minutes and call a central number from a different phone. Make sure there is a dialling tone first.

    DON’T:

    1) Share your personal information (name, home address, bank details, email address or phone number) with any organisation or individual before you know if they’re trustworthy. Make sure you only enter credit or debit card details on secure websites – look out for the padlock symbol or a URL starting with https.

    2) Trust emails if you’re not sure of the sender or the email address it has come from. Phishing emails are designed to obtain your personal information and can look genuine, with many imitating bank and building society communications. Find the phone number for the company, bank or building society online or from an official letter you have on file and call them to check.

    3) Reveal full passwords, login details or account numbers for your bank account to anyone. If speaking to your bank or building society, an official representative will never ask for your PIN or for a whole security number or password. If someone does ask for this information, don’t give it to them!

    For more information about identity theft and fraud, and to get news on the latest scams you need to be aware of, visit Action Fraud.

    At Police Mutual, everything we do is for the benefit of our members and the Police Service. That’s why we promise to be open and honest with you about how your data is used, so that you know you can trust us with your personal information. We promise to never sell your information and will only ever use it to contact you about the products you hold with us, special offers, prize draws and important updates you have chosen to hear about from us.

    Want to learn more? Access our wellbeing hub here.

  • Support After Life in the Police

    Support After Life in the Police

    This article was published on Mon 08 Jan 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

    Police Mutual has worked closely with the National Association of Retired Police Officers (NARPO) of England and Wales for over 30 years, supporting retired Police Officers, Staff, Specials and their families through their lives after retirement.

    NARPO is a member organisation that believes life can continue to flourish after the Police.

    With branches up and down the country, NARPO offer advice and support to their members on life and wellbeing issues, provide new work opportunities and help make the most of new-found leisure time. They strive to help their members enjoy life to the fullest after the Police.

    Membership of NARPO offers the following benefits:

    Life

    • Up to date advice and support on police pensions and state benefits
    • Access to NARPO’s travel and healthcare insurance
    • NARPO tailored car insurance from Police Mutual
    • Campaigning on the issues that impact NARPO members

    Work

    • A wide range of full and part-time positions available on NARPO’s website
    • Roles that are perfectly suited to ex-officers

    Leisure

    • Exclusive member discounts on holidays
    • Discounts on products and services
    • Networking and connecting members

    Want to learn more? Access our wellbeing hub here.