Car Insurance

Get a £20 Gift Card* when you take out your car or home insurance online before 31 December 2018!^

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Car Insurance


  • Uninsured driver cover
  • Lifetime no claims discount, subject to eligibility
  • 2 years new car replacement
  • Guaranteed temporary hire car following an accident or theft
  • Lifetime guarantee on repairs
  • 10% multi-car discount
  • Extra cover if you're a Serving Officer, you'll be covered whilst in your car on daily commutes and when carrying Police kit

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Too good to keep to yourself - pass on the good news to your family members. Remember that these offers are also available for family - this includes partners, parents, brothers, sisters, children, grandchildren, nieces, nephews and in-laws of police employees.

Our policies come with the following as standard:

  • We will pay - Any cancellation fees up to the value of £125 from your existing insurance provider
  • No admin fees - We do not charge any administration fees to make changes to your policy mid-term
  • Interest free - We offer interest-free monthly payments

Other things you should know

Call our UK based claim line which is open 24 hours a day 365 days a year. The number you need to dial is dependent on the time you call:

0345 076 2192 Mon - Fri 9am - 5pm

0330 102 4097 All other times - outside of these hours, emergency claims assistance is provided by ARAG Insurance

You can pay your premiums monthly by Direct Debit if you want to. And unlike many other insurers, we won't charge you extra on top of your normal yearly premium.

(subject to terms and conditions)

If you need to make a change such as a change of car or requiring a new level of cover, just call our UK based help line and we'll be happy to help.

If there is a change in your premium we'll let you know.

Call us on 0800 032 2610 (Mon - Fri 9am - 5pm)

If you need to cancel your policy, just call our UK based help line and we'll be happy to help.

Call us on 0800 032 2610 (Mon - Fri 9am - 5pm)

You get a courtesy car as standard while your vehicle is at an insurer-recommended repairer. So you don't have to worry about organising one yourself.

Please call us to discuss this further on 0800 032 2610

Please call us to discuss this further on 0800 032 2610

Cover will be provided for anyone allowed by the Certificate of Motor Insurance to drive your car, as long as they are driving the car with your permission.

Cover is provided up to 180 days per year. If additional cover is required please call us on 0800 032 2610

No claims discounts/bonus represents the number of years you have held a policy without making a claim or having a claim made against you.

Policy excess is the part of claim that you agree to pay - the car insurance covers you for the remaining amount.

If you buy your policy online or over the phone immediate cover is available.

The car insurance claims advisors are fully trained and have an excellent knowledge of the policy cover you have arranged. Wherever possible, they will let you know during your first call whether your claim is covered by your policy. It may help you to read through the policy document along with your schedule of cover before ringing to report your claim.

Social, domestic and pleasure including commuting policies only cover travel to and from your usual place of business. That is fine for most members of the public but Police Officers may be stationed at one place but have to travel elsewhere for training, going to court, visiting headquarters or simply helping to fill a temporary need at another division. Any of these journeys are NOT insured. There are occasions where travel to and from your normal place of business will not be covered by a Social, domestic and pleasure including commuting policy. For example, you go into work but get sent home to change clothes for operational reasons and then return to your normal station. That journey is official and you are on duty and therefore not covered unless you choose to include business use.

No, windscreen claims do not affect your No Claim Discount.

No, you only need to pay the excess towards your own repairs.

Depending on the level of car insurance cover you have chosen, you may be able to drive other cars at third party cover (with the owner's permission). You will need to check this on your insurance policy documents.

When you take your car abroad the cover you have is shown on your insurance certificate so you must always take this with you.

Yes, if you have a child car seat in your car and your car is involved in an accident that results in impact damage to your car, we will replace the child seat with a new one of the same quality, even if it doesn't appear to be damaged.

Accidental damage is covered on comprehensive policies. This covers you for damage to your car as well as the third party's vehicle after an accident.

If you want to add another driver to your existing policy, please call us on 0800 032 2610. You will need the following information about the other driver:

  • Their name;
  • Date of birth;
  • Occupation;
  • Driving licence details; and
  • Their driving experience (such as any previous claims or motoring convictions).

No factory fitted options are not classed as modifications. A modification is anything made after the car leaves the factory that alters the standard specification or the appearance of the car. The fittings should be declared as part of the overall value of the vehicle.




Car Insurance is provided by Royal & Sun Alliance Insurance plc. Visit our legal page for further details.

It's important you understand all of the Key Information for Car Insurance. We recommend you read all of the policy documents before you get a quote or buy and keep it in a safe place.

^Terms and conditions apply
*Restrictions apply, see

These products are arranged and administered by PMGI Limited trading as Police Mutual, more information is available on our legal page.