Cover that goes further for the Police family

  • Unlike most other insurers, we let you 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
  • We’ll pay cancellation fees up to the value of £125 from your existing insurer, so you can switch at any time
  • We can cover you whilst driving on official Police business and whilst carrying your Police kit if you're a Serving Officer
  • 2 Years New Car Replacement
  • Insurance that’s independently rated as Five-Star by Moneyfacts

What’s included

  • Police Mutual provides:
  • Interest-free monthly payments if you choose
  • Switch at any time, with cancellation fees of up to £125 paid, when you switch to us
  • 10% multi-car discount so every driver in the family can enjoy the benefits (not available online)
  • 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
  • For more information, please refer to the documents at the bottom of the 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.

The (not so) small print
Terms and conditions apply.

Car Insurance is provided by Royal & Sun Alliance Insurance plc, and is arranged and administered by PMGI Limited trading as Police Mutual. For more details, please see our legal page.
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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 below documents including the Insurance Product Information Document (IPID) before you get a quote or buy and keep it in a safe place.
If you're looking at including Legal Protection with your Car Insurance, then these documents are important for you:

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