Straightforward
protection for your car
- Unlike some insurance policies, you can spread the annual cost into monthly payments at no extra cost, letting you budget over the long term
- Don’t wait for your renewal date – switch today and you’ll receive cancellation fees up to the value of £125 that might be charged by your existing insurer
- Policy offers extra protection for serving Officers commuting or carrying Police Kit, when selecting class 1 business cover
- Things change. That’s why we won’t penalise you with administration charges if you need to fine-tune your policy mid-term (PMGI Ltd may make a charge for policy cancellation).
Buy online
and get a
10% discount
The 10% discount is available online only. It is applied to the basic premium when you buy a new car insurance policy. It is not available on optional extras and minimum premiums apply. The discount will be automatically applied to your quote. The discount can be withdrawn at any time and is provided by ERS.
What’s included
Police Mutual provides:
- Pay monthly, at no extra cost
- Switch at any time, with cancellation fees of up to £125 paid, when you switch to us
Cover for:
- Uninsured driver cover to keep your No Claims Discount safe
- 5 year guarantee on repairs when your repair is carried out by a recommended repairer
- Lifetime No Claims Discount, subject to eligibility
- Temporary hire car following an accident or theft to keep you on the road, subject to availability
- European cover for up to 180 days per trip, for more relaxing holidays
What’s not included
Cover for:
- Theft if reasonable precautions are not taken to protect it, such as leaving it unlocked, leaving the keys in or leaving the windows open
- Certain import, classic or modified vehicles
- Vehicles used solely for business purposes
- Mechanical failure, or wear and tear
- Campervans
Terms & Conditions apply, please check your policy documents for details.
Real Stories. Real Support
We know that making a claim can feel overwhelming, but it doesn’t have to be. Our dedicated claims technicians are here to guide you every step of the way, making the process smooth, personal and as stress-free as possible.
But don’t just take our word for it. Watch our video to hear what our customers had to say.
You’ll hear how our team turned difficult moments into reassuring experiences, with empathy, clarity, and care.
See why so many people trust us when it matters most.
The (not so) small print
Policy restrictions and exclusions can apply, please see the policy wording for more information.
Car Insurance is provided by ERS, and is arranged and administered by PMGI Limited trading as Police Mutual.
Car Legal Protection is provided by ARAG plc who is authorised to administer this insurance on behalf of the insurer ARAG Legal Expenses Insurance Company Limited.
For more details, please see our legal page
Car insurance documents
It’s important you understand all of the Key Information for Car Insurance. We recommend you read the following documents including the Insurance Product Information Document (IPID) before you get a quote or buy and keep it in a safe place.
Please read the below policy documents:
If you’re looking at including Legal Protection with your Car Insurance please read the below policy documents:
Need to claim?
If you need to claim on a Royal & Sun Alliance policy taken out on or before 31 December 2023, please call 0330 102 4097. Lines are open 9.00am – 5.00pm Monday to Friday.
If you need to claim on an ERS policy taken out on or after 1 January 2024, please call 0330 123 5992. Lines are open 24 hours a day, 365 days a year.
Your Car Insurance questions answered
How do I make a claim?
Call our claims notification and helpline: 0330 123 5992.
Lines are open 24 hours a day, 365 days a year.
Can I pay monthly?
You can pay your premiums monthly by Direct Debit if you want to. Unlike many other insurers, we won’t charge you extra on top of your normal yearly premium.
How do I change my policy?
If you need to change your policy, call our UK-based helpline. We won’t penalise you with administration charges, however please note your policy premium may change depending on what you want to change.
Call us on 0151 242 7640 Mon-Fri 9.00am-5.00pm.
How do I cancel my policy?
If you need to cancel your policy, call our UK-based helpline.
Please note, if you cancel your cover and haven’t made a claim, we will refund the proportional (pro-rata) amount of the premium which applies to the remaining period of insurance, less a minimum premium of £28 (including insurance premium tax) where applicable.
PMGI Ltd may also make a charge for policy cancellation.
Call us on 0151 242 7640 Mon-Fri 9.00am-5.00pm.
Do I get a courtesy car?
Subject to availability, you get a temporary hire car following an accident or theft. Please refer to the policy documents for full terms and conditions.
I’m thinking about buying a car that has been imported from outside Europe. Would you be able to provide cover?
Please call us to discuss this further on 0151 242 7640.
Who is allowed to drive my car?
Cover will be provided for anyone named on the Certificate of Motor Insurance to drive your car, as long as they’re driving the car with your permission.
I take my car to Europe. Can you provide cover?
Cover is provided for up to 180 days per trip. If additional cover is required please call us on 0151 242 7640.
I’ve been driving a company car for the last 5 years. Will you allow me any No Claims Discount?
Please call us to discuss this further on 0151 242 7640.
What is a No Claims Discount?
A No Claims Discount is a discount which insurers offer if you can provide evidence of a claim free driving history.
What is policy excess?
Policy excess is the part of a claim that you agree to pay – the car insurance covers you for the remaining amount.
Is immediate cover available?
If you buy your policy online or over the phone, immediate cover is available.
When my car is in the garage for a service, does my car insurance cover me to drive the garage’s courtesy car?
Please call us to discuss this further on 0151 242 7640.
If I have a claim for windscreen damage, does it affect my No Claims Discount?
No, windscreen claims do not affect your No Claims Discount.
Do I have to pay the excess towards a Third Party claim?
No, you only need to pay the excess towards your own repairs.
Does my car insurance cover me to drive other vehicles?
Depending on the level of car insurance cover you’ve chosen, you may be able to drive other cars at Third Party cover (with the owner’s permission). You’ll need to check this on your insurance policy documents.
Do I have to show my car insurance certificate when I use my car abroad?
When you take your car abroad the cover you have is shown on your insurance certificate so you must always take this with you.
Are child seats replaced 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, the child seat will be replaced with a new one of the same quality, up to a value of £150, even if it doesn’t appear to be damaged.
Am I covered for accidental damage to my own vehicle?
Accidental damage is covered on comprehensive policies. This covers you for damage to your car.
How do I add another driver to my car insurance policy?
If you want to add another driver to your existing policy, please call us on 0151 242 7640. You’ll 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).
Are factory fitted options classed as modifications to my car?
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.
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