Affordable, straightforward protection for your car
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Unlike some insurance policies, you can spread the annual cost into monthly payments at no extra cost, letting you budget over the long term
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Things change. That’s why we won’t penalise you with administration charges if you need to fine-tune your policy mid-term**
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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
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Policy offers extra protection for serving Officers commuting or carrying Police Kit, when selecting class 1 business cover
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2 Years New Car Replacement
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Insurance that’s independently rated as Five-Star by Moneyfacts
Buy online and get a 10% discount^
Take out a new Car Insurance policy online before 30 September 2022 to drive away with a 10% discount^.
What’s included
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Police Mutual provides:
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Pay monthly, at no extra cost
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Switch at any time, with cancellation fees of up to £125 paid, when you switch to us
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Cover for:
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Uninsured driver cover to keep your No Claims Discount safe
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Lifetime guarantee on repairs when your repair is carried out by a recommended repairer
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Lifetime No Claims Discount, subject to eligibility
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Temporary hire car following an accident or theft to keep you on the road
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European cover for up to 180 days a year, for more relaxing holidays
What’s not included
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Cover for:
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Theft if your car is left unlocked or with the engine running
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Theft if your car keys are left unattended in or near the vehicle
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Certain import, classic or modified vehicles
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Vehicles used solely for business purposes
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Mechanical failure, or wear and tear
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Campervans
Policy restrictions and exclusions can apply, please see the policy wording for more information.
** PMGI Limited may make a charge for policy cancellation.
^ The 10% discount is available online only. It is applied to the basic premium when you buy a new car insurance policy. The discount is not available on optional extras and minimum premiums apply. The discount will be automatically applied to your quote. The offer applies to all car insurance policies purchased online with a start date on or before 30 September 2022. The discount can be withdrawn at any time and is provided by Royal & Sun Alliance Insurance Ltd.
Car Insurance is provided by Royal & Sun Alliance Insurance Ltd, and is arranged and administered by PMGI Limited trading as Police Mutual. For more details, please see our legal page.
Need to claim?
Five-Star Car Insurance
Police Mutual Car Insurance is independently rated as a Five-Star policy by Moneyfacts.
Useful tools
Car Insurance documents
Your Car Insurance questions answered
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Claims notification and helpline: 0330 102 4097
Mon-Fri 8.30am-6.00pm, Sat 9.00am-1.00pm
UK emergency out of office hours claims helpline: 0330 102 4097 (24 hours a day, 365 days a year).
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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.
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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. -
If you need to cancel your policy, call our UK-based helpline.
Please note, if you cancel your Police Mutual insurance policy within 14 days of receiving your policy documents, you’ll only be charged for the period of time you’ve been covered. If you cancel the policy more than 14 days after receiving your policy documents, you’ll be charged for the period of time you've been covered plus we’ll charge a £40 administration fee for cancelling the policy.
Call us on 0151 242 7640 Mon-Fri 9.00am-5.00pm.
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You get a temporary hire car following an accident or theft. Refer to the policy for full terms and conditions.
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Please call us to discuss this further on 0151 242 7640.
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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.
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Cover is provided up to 180 days per year. If additional cover is required please call us on 0151 242 7640.
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Please call us to discuss this further on 0151 242 7640.
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A No Claims Discount is a discount which insurers offer if you can provide evidence of a claim free driving history.
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Policy excess is the part of a claim that you agree to pay - the car insurance covers you for the remaining amount.
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If you buy your policy online or over the phone, immediate cover is available.
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Please call us to discuss this further on 0151 242 7640.
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No.
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No, windscreen claims do not affect your No Claims Discount.
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No, you only need to pay the excess towards your own repairs.
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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.
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When you take your car abroad the cover you have is shown on your insurance certificate so you must always take this with you.
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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, even if it doesn’t appear to be damaged.
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Accidental damage is covered on comprehensive policies. This covers you for damage to your car.
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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).
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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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