# 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. Key things to know about Police Mutual: - Eligibility extends beyond serving officers to police staff, PCSOs, special constables, retired officers and staff, former Police Mutual employees, and a wide range of family members including spouses and civil partners, children, grandchildren, parents, parents-in-law, siblings, siblings-in-law, nieces, nephews, widows and widowers. Each product has its own additional eligibility requirements. Some products, such as Gadget Insurance, are open to everyone. - Many products are delivered through named partners. Car Insurance and Breakdown Cover are provided by ERS and arranged by PMGI Limited. Home and Renters Insurance are provided by Bspoke Underwriting Ltd. Savings and Personal Loans come from No1 CopperPot Credit Union. Mortgage advice comes from Grange Mortgage & Protection Services Ltd. Caravan and Park Home Insurance come from Compass Insurance. Independent financial advice comes from My Money Expert. The Healthcare Scheme is administered by PMHC Limited with claims managed by Healix Health. - Recurring benefits across insurance products include monthly payment at no extra cost, reimbursement of up to £125 in cancellation fees when switching from another insurer, and UK based helplines. - NARPO branded versions of car insurance, home insurance and breakdown cover exist for members of the National Association of Retired Police Officers. Police Mutual has arranged exclusive insurance for NARPO members for over 30 years. - The Healthcare Scheme is a discretionary scheme, not an insurance product, and is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. - Beyond commercial products, Police Mutual funds welfare support: a confidential Careline counselling service, respite breaks for police families, free debt advice through PayPlan, free financial education, and sponsorship of the Police Bravery Awards and Police Scotland Excellence Awards. ## Insurance Products - [Car Insurance](https://www.policemutual.co.uk/product/car-insurance/): Motor insurance for serving and retired officers and their families, provided by ERS. Includes class 1 business cover for officers commuting with police kit, uninsured driver protection, a five year repair guarantee, a lifetime no claims discount subject to eligibility, cover for electric and hybrid vehicles, a 10% online discount and monthly payment at no extra cost. - [Home Insurance](https://www.policemutual.co.uk/product/home-insurance/): Buildings and contents cover provided by Bspoke Underwriting Ltd. £1,000,000 buildings cover and £75,000 contents cover as standard, 24/7 Home Emergency Cover up to £500 per claim included, accidental damage included, with optional extras such as Family Legal Protection. - [Breakdown Cover](https://www.policemutual.co.uk/product/breakdown-cover/): 24/7 UK roadside assistance and recovery underwritten by ERS (Syndicate 218 at Lloyd's), with over 420 recovery specialists, up to one hour of roadside labour, misfuelling cover, home assistance and optional European cover. Annual prices start at £61.60 for cars under 10 years old. - [Renters Insurance](https://www.policemutual.co.uk/product/renters-insurance/): Contents insurance for tenants provided by Bspoke Underwriting Ltd. Up to £35,000 contents cover, £20,000 for tenant improvements, alternative accommodation after an insured loss, and optional personal possessions cover away from home. - [Gadget Insurance](https://www.policemutual.co.uk/product/gadget-insurance/): Subscription style cover for phones, laptops, tablets, smartwatches, cameras, consoles and other tech, provided with Arma Karma. Covers accidental damage, breakdown, screen damage and optional theft and loss, from £3.99 per month. Open to everyone, not just the police family. - [Caravan Insurance](https://www.policemutual.co.uk/product/caravan-insurance/): Touring caravan and holiday caravan or lodge insurance from Compass Insurance, underwritten by Accelerant Insurance UK Limited, with a 10% discount for Police Mutual customers, new for old cover up to 15 years and £5m public liability. - [Residential Park Home Insurance](https://www.policemutual.co.uk/product/residential-park-home-insurance/): Specialist cover from Compass Insurance for park homes used as a permanent residence, including structure and contents cover and alternative accommodation up to £25,000. ## NARPO Products - [NARPO Car Insurance](https://www.policemutual.co.uk/product/narpo-car-insurance/): Car insurance for members of the National Association of Retired Police Officers and their families, provided by ERS, with monthly payment at no extra cost, up to £125 cancellation fee reimbursement when switching, a lifetime no claims discount subject to eligibility and a 10% online discount. - [NARPO Home Insurance](https://www.policemutual.co.uk/product/narpo-home-insurance/): Home insurance for NARPO members provided by Bspoke Underwriting Ltd, with £1,000,000 buildings and £75,000 contents cover, Home Emergency Cover included and a dedicated UK based NARPO helpline. - [NARPO Breakdown Cover](https://www.policemutual.co.uk/product/narpo-breakdown/): Breakdown cover for retired officers who are NARPO members, from £52.29 per year for UK cover, including free caravan or trailer cover up to 7 metres and optional European cover. ## Healthcare and Financial Products - [Healthcare Scheme](https://www.policemutual.co.uk/product/healthcare/): A discretionary private healthcare scheme for serving officers, PCSOs, special constables, police staff and their families, administered by PMHC Limited with claims managed by Healix Health. Includes 24/7 GP access, up to £30,000 a year for inpatient and day patient treatment, outpatient consultations and diagnostics, mental health and menopause support, and no medical needed to join. Individual, Couple, Single Parent Family and Family membership tiers. Members must be under 65 and UK residents when joining. Not an insurance product and not FCA regulated. - [Mortgages](https://www.policemutual.co.uk/product/mortgages/): Fee free mortgage advice through Grange Mortgage & Protection Services Ltd, an Appointed Representative of PRIMIS Mortgage Network. Covers first time buyers, remortgaging, home movers and buy-to-let, with a free mortgage monitoring service. - [Personal Loans](https://www.policemutual.co.uk/product/personal-loans/): Loans from No1 CopperPot Credit Union, including Member Loans up to £35,000, Consolidation Loans up to £25,000 and Commutation Loans up to £50,000 for officers approaching retirement. Repay by payroll deduction or Direct Debit, with no early repayment penalties and Life Protection included. - [Savings](https://www.policemutual.co.uk/product/savings/): Savings accounts from No1 CopperPot Credit Union with Member, Family Member and Junior account types. Save from £5 a month by payroll deduction or Direct Debit, withdraw anytime, annual dividend rather than a fixed rate, free Life Protection, and deposits protected up to £85,000 by the Financial Services Compensation Scheme. - [Independent Financial Advice](https://www.policemutual.co.uk/product/independent-financial-advice/): Retirement and investment advice through My Money Expert, an FCA regulated adviser. No charge if you choose not to proceed with their recommendations, with year round adviser access and annual reviews. ## Resources - [Wellbeing Hub](https://www.policemutual.co.uk/wellbeing/): Free downloadable guides across four pillars of wellbeing (physical, mental, financial and social), tied to awareness dates through the year, plus details of the Careline, respite breaks and debt advice. - [Let's Talk Money Hub](https://www.policemutual.co.uk/talk-money/): Financial wellbeing guides for the police family covering budgeting, payslips and tax codes, borrowing, police and staff pensions, retirement planning, wills, bereavement, redundancy, gambling and talking to children about money. - [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 for or entering retirement. - [Money Tips for Teens](https://www.policemutual.co.uk/why-us/money-tips-for-teens/): Financial education content aimed at younger family members. - [Webinar Library](https://www.policemutual.co.uk/webinar-library/): Recorded webinars on financial and wellbeing topics. - [Managing Debt](https://www.policemutual.co.uk/why-us/managing-debt/): Free and confidential debt advice for the police family through PayPlan. - [Careline](https://www.policemutual.co.uk/why-us/care-line/): Confidential telephone counselling and support service provided with Health Assured. - [Respite Breaks](https://www.policemutual.co.uk/why-us/respite-care/): Respite breaks for police families dealing with stress, illness or loss. - [News and Blog](https://www.policemutual.co.uk/news-and-blog/): Regular articles on wellbeing, motoring, homeowners, savings, retirement, healthcare and money topics for the police community. ## Company Information - [About Us](https://www.policemutual.co.uk/about-us/): Who Police Mutual is, its purpose and its support for the police service, including the Police Bravery Awards and Police Scotland Excellence Awards. - [Am I Eligible](https://www.policemutual.co.uk/about-us/eligibility/): Full eligibility criteria covering serving and retired officers and staff, PCSOs, special constables, former Police Mutual employees and qualifying family members. - [Contact Us](https://www.policemutual.co.uk/contact-us/): Phone numbers and opening hours by product, including Car, Home and Breakdown enquiries on 0151 242 7640, Healthcare on 0208 049 8383, 24/7 breakdown rescue on 0800 731 4590 and 24/7 ERS car claims on 0330 123 5992. - [Feedback and Complaints](https://www.policemutual.co.uk/contact-us/feedback/): How to give feedback or make a complaint. - [On the Beat Newsletter](https://www.policemutual.co.uk/capture/on-the-beat/): Sign up for the monthly newsletter with product news, wellbeing tips and money guidance. ## Legal - [Privacy Policy](https://www.policemutual.co.uk/privacy-policy/): How personal data is collected and used. - [Cookie Policy](https://www.policemutual.co.uk/cookie-policy/): Cookie usage on the site. - [Security and Legal](https://www.policemutual.co.uk/security-and-legal/): Regulatory and legal information, including company and FCA details. - [Accessibility](https://www.policemutual.co.uk/accessibility/): Accessibility statement for the website. - [Our Responsibilities](https://www.policemutual.co.uk/our-responsibilities/): Corporate and social responsibility commitments. ## Optional - [Social Media Policy](https://www.policemutual.co.uk/about-us/social-media-policy/): House rules for Police Mutual's social channels. - [Wellbeing Calendar (PDF)](https://www.policemutual.co.uk/documents/Wellbeing%20Guides/Wellbeing.Calendar.pdf): Annual calendar of wellbeing guides and awareness dates.