Affordable, 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
  • Things change. That’s why we won’t penalise you with administration charges if you need to fine-tune your policy mid-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
  • 2 Years New Car Replacement
  • Insurance that’s independently rated as Five-Star by Moneyfacts

10% discount

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

  • 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
  • Lifetime 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
  • European cover for up to 180 days a year, for more relaxing holidays

What’s not included

  • Cover for:
  • Theft if your car is left unlocked or with the engine running
  • Theft if your car keys are left unattended in or near the vehicle
  • 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.
The (not so) small print

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 The discount can be withdrawn at any time and is provided by Royal & Sun Alliance Insurance Ltd.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? Need to claim?

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).


Five-Star Car Insurance
Police Mutual Car Insurance is independently rated as a Five-Star policy by Moneyfacts.

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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.

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