Car Insurance

Switching could save you money…

Car Insurance

Benefits

  • Uninsured driver cover
  • Lifetime no claims discount, subject to eligibility
  • 2 years new car replacement
  • Courtesy 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 and conditions apply

Apply for a quote today

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

We could help you and your family save money - on average, we've saved our insurance members £130 on car insurance*.

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 car insurance has been designed exclusively for serving or retired Police Officers, Police Staff, Special Constables and family members.

Important Information

For further details of which products we offer through each Police Mutual Group company, please see the Legal page for further details. Our car insurance is provided by Royal & Sun Alliance Insurance plc.

Car Insurance Policy Summary

Car Insurance Policy Document

Car Insurance Terms of Business

Car Breakdown and Rescue UK Policy

Car Breakdown and Rescue UK and European Policy

Car Legal Protection Summary

Car Legal Protection Policy Booklet

Family Car Policy Document

Family Car Policy Summary

 

Other things you should know

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).

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)

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)

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

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

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.

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.

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

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.

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

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.

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.

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

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.

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.

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

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

Please call us to discuss this further on 0800 032 2610

Please call us to discuss this further on 0800 032 2610

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.

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)

 

 

 

It's important you understand all of the Key Facts Summary for car insurance. We recommend you read the document (in the 'Important information' tab) before you apply, and keep it in a safe place.

*Average premium savings of £130 is based on 19% of all car insurance members who provided their existing premium and switched their insurance (inbound sales only) from June 2015 - May 2016. For further details of which products we offer through each Police Mutual Group company, please see the Legal page. Our car insurance is provided by Royal & Sun Alliance Insurance plc.

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Important Information

For further details of which products we offer through each Police Mutual Group company, please see the Legal page for further details. Our car insurance is provided by Royal & Sun Alliance Insurance plc.

 

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