Car Insurance

Drive away with a 10% discount*

All part of the service

  • Interest free monthly payments
  • No charge for making mid-term policy amendments.
    Please note an administration fee may apply for policy cancellation.
  • We will pay any cancellation fees up to the value of £125 from your existing insurance provider
  • Uninsured driver cover
  • Lifetime no claims discount, subject to eligibility
  • 2 years new car replacement
  • 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

Terms & conditions apply

*10% discount available to new customers only and is applied to the basic premium price when you buy new car insurance online or over the phone. Not available on optional extras and minimum premiums apply. Discount only applies during the policy period and will not apply at renewal; the renewal price may be higher. The offer can be withdrawn at any time. Discount will automatically be applied to your quote.

Get a quote today

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 Royal & Sun Alliance Insurance plc

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.

Please note, if you cancel your Police Mutual insurance policy within 14 days of receiving your policy documents, you will only be charged for the period of time you have been covered. If you cancel the policy more than 14 days after receiving your policy documents, you will be charged for the period of time you've been covered plus we will charge a £40 administration fee for cancelling the policy.

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

You get a temporary hire car following an accident or theft.

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.


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