# Police Mutual > Police Mutual provides insurance, healthcare, savings, loans, mortgage advice and wellbeing support for the UK police family: serving and retired police officers, police staff, PCSOs, special constables and their relatives. Police Mutual is a trading name of PMGI Limited and is part of the Bspoke Group of insurance companies. Its stated purpose is to help protect the people who protect us. This document contains the full content summary of https://www.policemutual.co.uk/ for use by large language models. Prices, fees and offers were accurate when this document was generated and may change. Always check the live site for current figures. ## Who Police Mutual Is Police Mutual has served the police community for many years and operates as a specialist provider of financial services and welfare support for policing. Rather than underwriting everything itself, it works with named partners and acts as arranger, administrator or introducer depending on the product. Police Mutual and several of its insurance partners (Bspoke Underwriting Ltd, Compass Insurance, Arma Karma) are part of the Bspoke Group of insurance companies. Beyond commercial products, Police Mutual funds welfare support for the police family: - A confidential Careline counselling and support service, delivered with Health Assured. - Respite breaks for police families experiencing stress, illness or loss. - Free and confidential debt advice through a partnership with PayPlan. - Free financial education courses and resources. - Sponsorship of the Police Bravery Awards and the Police Scotland Excellence Awards. Police Mutual publishes a monthly newsletter called On the Beat (sign up at https://www.policemutual.co.uk/capture/on-the-beat/) and is active on Facebook, Instagram and Twitter. ## Eligibility Source: https://www.policemutual.co.uk/about-us/eligibility/ You may apply directly if you are: - A serving police officer anywhere in the UK. - A member of police staff, including PCSOs. - A special constable. - A retired police officer or retired member of police staff. - A former Police Mutual employee. Family members of an eligible person may also qualify, specifically the husband, wife or civil partner, child or grandchild, parent or parent-in-law, brother or sister, brother-in-law or sister-in-law, niece or nephew, or widow or widower of an eligible person. Each product has its own additional requirements, which may include age limits, UK residency or health criteria. Becoming eligible does not guarantee access to every product. If a customer later leaves policing, existing products can usually remain in place subject to their terms and conditions. Some products, notably Gadget Insurance, are open to everyone and not restricted to the police family. ## Insurance Products ### Car Insurance Source: https://www.policemutual.co.uk/product/car-insurance/ Car insurance for serving police officers, retired officers and their family members. Provided by ERS and arranged and administered by PMGI Limited trading as Police Mutual. Motor Legal Protection is underwritten by ARAG Legal Expenses Insurance Company Limited. Key features: - Extra protection for serving officers commuting or carrying police kit, with class 1 business cover. - Pay monthly at no extra cost. - 10% discount when purchasing online. - Reimbursement of up to £125 in cancellation fees when switching from another insurer. - Uninsured driver protection that preserves the no claims discount. - Lifetime no claims discount, subject to eligibility. - Five year guarantee on repairs carried out by recommended repairers. - Temporary hire car following an accident, subject to availability. - Cover for electric and hybrid vehicles. - UK based helpline. Fees: £40 arrangement fee, £25 mid-term adjustment fee, £40 cancellation fee (waived if cancelled within 14 days). Notable exclusions and limits: theft where reasonable precautions were not taken, certain modified, classic or imported vehicles (imported vehicles need agreement with the underwriter), vehicles used solely for business, mechanical failure, campervans, and drivers not listed on the policy. Leased vehicles need a minimum 12 month lease term. ### Home Insurance Source: https://www.policemutual.co.uk/product/home-insurance/ Buildings and contents insurance provided by Bspoke Underwriting Ltd. Police Mutual and Bspoke Underwriting Ltd are both part of the Bspoke Group of insurance companies. Home Emergency Cover is administered by ARAG plc. Key features: - £1,000,000 buildings cover as standard, including outbuildings. - £75,000 contents cover as standard. - Home Emergency Cover included as standard, up to £500 per claim, available 24/7, 365 days a year. - Accidental damage cover for buildings and contents. - Optional worldwide cover for personal possessions. - Pay monthly at no extra cost. - Reimbursement of up to £125 in cancellation fees when switching from another insurer. - Optional add-ons: extended accidental damage, Family Legal Protection, and cover for pairs, sets and suites. - 90% of customers renewed their Home Insurance with Police Mutual in the last reported year. Fees: £30 arrangement fee, £25 mid-term adjustment fee, £40 cancellation fee (waived within 14 days of the policy start). ### Breakdown Cover Source: https://www.policemutual.co.uk/product/breakdown-cover/ 24/7 roadside assistance and vehicle recovery across the UK, with optional European cover. Underwritten by ERS (Syndicate 218 at Lloyd's) and arranged and administered by PMGI Limited trading as Police Mutual. Key features: - UK based emergency helpline, open 24 hours a day. - Over 420 recovery specialists available 365 days a year, with a target of reaching a breakdown within about an hour. - Up to one hour of roadside labour included. - Recovery to the nearest repairer if the vehicle cannot be fixed at the roadside. - Emergency accommodation or alternative transport if the vehicle cannot be repaired. - Misfuelling cover. - Home assistance within a quarter of a mile of the insured address. - Optional European cover. Annual pricing at time of writing: UK cover £61.60 (cars under 10 years old) or £73.22 (cars over 10 years old); European cover £96.47 (under 10 years) or £108.09 (over 10 years). Eligibility: serving and retired members of the police service plus immediate and extended family (partners, parents, siblings, children, grandchildren and in-laws). UK residents only, excluding Jersey and Guernsey. Notable terms: no cover during the first 24 hours of a new policy (renewals exempt), the policyholder pays for parts and fuel, and there is a 14 day cancellation window with a full refund if no claim has been made. ### Renters Insurance Source: https://www.policemutual.co.uk/product/renters-insurance/ Contents insurance designed for tenants, covering the possessions a landlord's buildings insurance does not protect. Provided by Bspoke Underwriting Ltd. Key features: - Contents cover up to £35,000. - Cover for tenant improvements up to £20,000. - Accidental damage included as standard. - Alternative accommodation following an insured loss. - Optional personal possessions cover away from home, starting at £2,000. - Pedal cycles covered away from home up to £500 and digital downloads up to £1,000. - Pay monthly by Direct Debit at no extra cost. Fees: £30 arrangement fee, £25 mid-term adjustment fee, £40 cancellation fee (waived within 14 days of the start date). Notable exclusions: wear and tear, mechanical breakdown, and damage while the home is unoccupied for more than 60 days. ### Gadget Insurance Source: https://www.policemutual.co.uk/product/gadget-insurance/ Subscription style gadget insurance offered in partnership with Arma Karma Limited, a certified B-Corp and part of the Bspoke Insurance Group. Open to everyone, not just the police family. Covered items include smartphones, laptops, tablets, smartwatches, headphones, cameras, gaming consoles and various household electronics. Cover includes accidental damage and drops, mechanical breakdown, water damage, malicious damage, screen damage, optional theft and loss, and worldwide cover (exclusions apply). Pricing at time of writing: phones and laptops from £4.99 a month; headphones, smartwear and cameras from £3.99 a month; a bundle covering a phone and laptop with a combined value up to £2,500 for £9.99 a month. Notable exclusions: cosmetic damage, theft without forced entry, items left with third parties, and claims arising from deliberate neglect. ### Caravan Insurance Source: https://www.policemutual.co.uk/product/caravan-insurance/ Touring caravan and holiday caravan or lodge insurance from Compass Insurance, a specialist with over 50 years' experience. Compass and Police Mutual are both part of Bspoke Insurance Group Ltd. Policies are underwritten by Accelerant Insurance UK Limited. Police Mutual acts as an introducer only and does not advise on or arrange this insurance. Police Mutual customers receive a 10% discount on eligible Compass Touring Caravan and Holiday Caravan or Lodge policies. Holiday Caravan or Lodge cover: for static caravans or lodges in the UK used for recreation, not permanent residence. Includes structure protection, £5m public liability, and market value cover options. Touring Caravan cover: for UK residents over 25. Includes cover while in use, stored or towed, new for old protection on caravans up to 15 years old, £5m public liability while in storage, 24 hour emergency assistance, and storm damage cover for caravans and awnings. Notable exclusions: wear and tear, gradual deterioration, escape of water during winter months where proper precautions were not taken (holiday caravans), and trade or business use. ### Residential Park Home Insurance Source: https://www.policemutual.co.uk/product/residential-park-home-insurance/ Specialist insurance for residential park homes, provided through Compass Insurance and underwritten by Accelerant Insurance UK Limited. Key features: cover for damage to the structure, contents protection, and alternative accommodation up to £25,000 if the home becomes uninhabitable. Eligibility and limits: the park home must be in the UK and used solely as a permanent residence, not for holidays or recreation. Cover does not apply if the structure is used for trade, business or leisure purposes. Exclusions include gradual wear and tear. ## NARPO Products NARPO is the National Association of Retired Police Officers. Police Mutual has arranged exclusive home and car insurance for NARPO members for over 30 years and offers dedicated versions of three products. ### NARPO Car Insurance Source: https://www.policemutual.co.uk/product/narpo-car-insurance/ Car insurance for NARPO members and their families, provided by ERS and arranged by Police Mutual. Features mirror the standard product: pay monthly at no extra cost, up to £125 cancellation fee reimbursement when switching, lifetime no claims discount subject to eligibility, 10% discount for buying online, uninsured driver protection, temporary hire car after an accident subject to availability, extended repair guarantees through approved repairers, and a UK based helpline. Exclusions include modified vehicles, cars used solely for business and campervans. ### NARPO Home Insurance Source: https://www.policemutual.co.uk/product/narpo-home-insurance/ Home insurance for NARPO members, provided by Bspoke Underwriting Ltd with Home Emergency Cover administered by ARAG plc. Includes up to £1,000,000 buildings cover and £75,000 contents cover as standard, Home Emergency Cover up to £500 per claim, pay monthly at no extra cost, up to £125 cancellation fee reimbursement when switching, a dedicated UK based NARPO helpline, and optional Family Legal Protection and extended accidental damage. ### NARPO Breakdown Cover Source: https://www.policemutual.co.uk/product/narpo-breakdown/ Breakdown cover for retired police service members who are NARPO members, plus eligible family (partners, parents, siblings, children, grandchildren and in-laws). Underwritten by ERS (Syndicate 218 at Lloyd's), arranged and administered by PMGI Limited trading as Police Mutual. UK residents only. Features: over 420 recovery specialists 365 days a year, up to one hour of roadside labour, recovery to the nearest repairer, free caravan or trailer cover up to 7 metres, misfuelling protection, home assistance within a quarter of a mile of the residence, optional European cover, and a 24 hour emergency helpline. Annual pricing at time of writing: UK cover £52.29 (cars under 10 years) or £63.91 (over 10 years); European cover £69.73 (under 10 years) or £81.35 (over 10 years). ## Healthcare ### Police Mutual Healthcare Scheme Source: https://www.policemutual.co.uk/product/healthcare/ A discretionary, membership based healthcare scheme (not an insurance product) exclusively for the UK police family. It provides access to private medical treatment to complement NHS care and reduce waiting times for diagnosis and treatment. Administered by PMHC Limited trading as Police Mutual, with claims managed by Healix Health. The scheme is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority, so certain consumer protections do not apply. Key benefits: - 24/7 GP access with no usage limits. - Up to £30,000 a year for inpatient and day patient treatment. - Outpatient consultations up to £1,500 a year. - Outpatient diagnostics up to £2,500 a year. - Outpatient treatments such as physiotherapy up to £750 a year. - Nursing at home up to £1,000 a year. - Cash benefit of £250 per night for planned NHS stays, up to 21 nights a year. - Mental health and menopause support included. - No medical tests required to join. Membership tiers: Individual, Couple, Single Parent Family, and Family (covering dependents under 18). Eligibility: police officers, PCSOs, special constables, police staff and immediate family members. Applicants must be UK residents and under 65 when joining. Pricing: at time of writing a 50% discount applies for the first 12 months, giving individual monthly costs from roughly £9.27 to £67.50 depending on age, with standard rates thereafter. Notable exclusions: pre-existing conditions (a five year lookback applies; conditions may become eligible after two continuous years without treatment), cancer chemotherapy and radiotherapy, dental procedures, emergency treatment, and cosmetic surgery. ## Financial Products and Services ### Mortgages Source: https://www.policemutual.co.uk/product/mortgages/ A fee free mortgage advice service delivered by Grange Mortgage & Protection Services Ltd, an Appointed Representative of PRIMIS Mortgage Network (Advance Mortgage Funding Ltd), which is regulated by the Financial Conduct Authority. Key features: - No advice fees charged to the customer. - Independent access to the mortgage market, including some products not available on the High Street. - A dedicated mortgage adviser and a streamlined process. - A free mortgage monitoring service that watches for potential savings. Covers first time buyer mortgages, remortgaging, home mover mortgages, buy-to-let, and releasing money for home improvements. Important terms: PMGI Limited receives an introduction fee based on the loan amount plus potential performance based fees. Your home may be repossessed if you do not keep up repayments. Early repayment charges may apply when remortgaging. Most buy-to-let mortgages are not regulated by the FCA. ### Personal Loans Source: https://www.policemutual.co.uk/product/personal-loans/ Loans provided by No1 CopperPot Credit Union (a trading name of Number One Police Credit Union Limited), which is regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Police Mutual acts as an introducer and receives a 2% introduction fee on approved loans. Loan types: - Member Loan: up to £35,000 over a maximum 90 month term, for purposes such as vehicles, weddings, home improvements, legal or healthcare costs. - Consolidation Loan: up to £25,000 for consolidating existing debt. - Commutation Loan: up to £50,000 or 50% of the commutation entitlement (whichever is lower), designed for officers approaching retirement. Key features: online application, repayment by payroll deduction or Direct Debit, no early repayment penalties, and Life Protection included at no cost (up to £40,000, covering the borrower until age 70). Eligibility: serving or retired police officers, staff, special constables or PCSOs, plus direct family members living at the same address. Applicants must be 18 or over, UK resident, and a member of No1 CopperPot Credit Union. All loans must be repaid by age 70. Important notes: missed repayments could negatively affect your credit file. Consolidating debt can mean a higher rate or longer term, increasing the total interest paid. ### Savings Source: https://www.policemutual.co.uk/product/savings/ Savings accounts provided by No1 CopperPot Credit Union (a trading name of Number One Police Credit Union Limited). Police Mutual acts as an introducer. Account types: - Member Account: for serving or retired police officers, staff, special constables or PCSOs. Save between £5 and £1,000 a month. - Family Member Account: for spouses, partners, children or other qualifying relatives aged 18 or over, with the same features as the Member Account. - Junior Account: for children and grandchildren aged 0 to 17, with no minimum regular saving, a maximum balance of £10,000 until age 18, and £5 deposited by the credit union to start the account. Key features: manage the account online or in an app, pay in by payroll deduction or Direct Debit, withdraw at any time, free Life Protection covering members until age 65, and an annual dividend (not guaranteed) set at the credit union's Annual General Meeting rather than a fixed interest rate. Protection: deposits are protected up to £85,000 in total by the Financial Services Compensation Scheme. Membership can be ended if minimum payments are not maintained. Available to UK and Isle of Man residents. ### Independent Financial Advice Source: https://www.policemutual.co.uk/product/independent-financial-advice/ Independent financial advice delivered by My Money Expert, a trading style of My Pension Expert, authorised and regulated by the Financial Conduct Authority (registration number 579999). Police Mutual acts as an introducer and receives an introduction fee equal to 20% of My Money Expert's initial advice fee. The service covers retirement planning, investment planning and strategy selection, and ongoing monitoring against financial objectives. Clients get tailored guidance, year round access to advisers, annual reviews, and an investment information portal called My Money Hub. There is no charge if the client chooses not to proceed, and no charge if the adviser cannot improve the client's position. ## Resources ### Wellbeing Hub Source: https://www.policemutual.co.uk/wellbeing/ Free wellbeing support for the police family, organised across four pillars: physical, mental, financial and social wellbeing. The hub offers downloadable PDF guides tied to awareness dates throughout the year, covering topics such as stress, grief, children's mental health, loneliness, fitness, healthy eating, stopping smoking, diabetes awareness, debt, budgeting, family activities, volunteering and internet safety. A full wellbeing calendar is published at https://www.policemutual.co.uk/documents/Wellbeing%20Guides/Wellbeing.Calendar.pdf. ### Let's Talk Money Hub Source: https://www.policemutual.co.uk/talk-money/ A financial wellbeing hub built for policing, responding to research that 51% of officers worry about their finances almost every day and 1 in 8 sought financial support in the last year. Guides cover bank accounts, emergency funds, personal loans, car finance, mortgages, debt management, protecting your finances, wills, retirement planning, police pensions, staff pensions, the state pension, buying a house, savings, relationship breakdown, losing your job, bereavement, long term elderly care, budgeting, understanding payslips, tax codes, time management, addictions, gambling, and talking to children about money. ### Other Resources - Calculators and Tools: https://www.policemutual.co.uk/calculators-and-tools/ (interactive financial calculators and planning tools). - Retirement Centre: https://www.policemutual.co.uk/why-us/retirement-centre/ (guidance for officers and staff planning retirement). - Money Tips for Teens: https://www.policemutual.co.uk/why-us/money-tips-for-teens/ (financial education for younger family members). - Webinar Library: https://www.policemutual.co.uk/webinar-library/ (recorded webinars on money and wellbeing topics). - Managing Debt: https://www.policemutual.co.uk/why-us/managing-debt/ (free, confidential debt advice through PayPlan). - Careline: https://www.policemutual.co.uk/why-us/care-line/ (confidential counselling and support, provided with Health Assured). - Respite Breaks: https://www.policemutual.co.uk/why-us/respite-care/ (breaks for police families dealing with stress, illness or loss). - News and Blog: https://www.policemutual.co.uk/news-and-blog/ (regular articles across categories including Wellbeing, Savings, Homeowners, Retirement, Life Support, News, Motoring, Healthcare, Mortgages, Gadget Insurance, Caravan and Loans). ## Contact Source: https://www.policemutual.co.uk/contact-us/ - Car, Home and Breakdown Insurance enquiries: 0151 242 7640, Monday to Friday 9.00am to 5.00pm. - Healthcare claims: 0208 049 8383, Monday to Friday 8.00am to 7.00pm (email also available). - Home Insurance claims (Royal & Sun Alliance policies): 0345 603 4325, Monday to Friday 8.00am to 6.00pm, Saturday 9.00am to 1.00pm. - Home Insurance claims (Bspoke policies): 0345 2180429, Monday to Friday 8.00am to 6.00pm, with an out of hours service. - Home Insurance emergency claims (ARAG): 0333 000 7965, 24/7. - Car Insurance claims (ERS policies): 0330 123 5992, 24/7. - Police Mutual Rescue (breakdown): 0800 731 4590 or 01277 235 790, 24/7. - Regular Savings and ISA: 01543 441 630, Monday to Friday 8.30am to 5.30pm. Weekday opening hours exclude bank holidays. Feedback and complaints: https://www.policemutual.co.uk/contact-us/feedback/ ## Legal and Policy Pages - Privacy Policy: https://www.policemutual.co.uk/privacy-policy/ - Cookie Policy: https://www.policemutual.co.uk/cookie-policy/ - Security and Legal: https://www.policemutual.co.uk/security-and-legal/ - Accessibility: https://www.policemutual.co.uk/accessibility/ - Our Responsibilities: https://www.policemutual.co.uk/our-responsibilities/ - Social Media Policy: https://www.policemutual.co.uk/about-us/social-media-policy/ ## Related Sites Police Mutual's sister brand, Forces Mutual, serves the UK armed forces community at https://www.forcesmutual.org/.