Have a Costa Coffee on us when you get a quote

+ £60 Cashback when you buy before 31 October 2020**

4 steps to get your coffee and cashback

  1. Get a quote online or by calling 0151 242 7645
  2. You'll receive a £3 Costa Coffee e-gift by email within 7 days
  3. Choose to buy NARPO Car Insurance through us
  4. You'll receive £60 cashback once you've held your policy for 45 days

† The coffee offer is limited to one e-gift per person, per product. Click here for full terms and conditions.

** Cashback offer only applies to new policies and not to policy renewals. Click here for full terms and conditions

Exclusive cover designed with retired Police Officers in mind

  • Great value car insurance to keep NARPO members on the road in the UK and Europe
  • Unlike most other insurers, we let NARPO members 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 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
  • Fast, friendly service from our UK-based NARPO dedicated helpline
  • Insurance that's independently rated as Five-Star by Moneyfacts
Buy online and get a 15% discount*
Take out a new NARPO Car Insurance policy to drive away with our limited introductory offer.

Terms and Conditions apply. Please see 'The (not so) small print' section for details.

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 household 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 garage
  • 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
  • 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 NARPO Car Insurance is independently rated as a Five-Star policy by Moneyfacts.

The (not so) small print

Policy restrictions and exclusions can apply, please see the policy wording for more information.

* The 15% discount is available online only. It is applied to the basic premium when you buy a new car policy. The discount is not available on optional extras and minimum premiums apply. The offer only applies during the policy period and will not apply at renewal; the renewal price may be higher. The discount will be automatically applied to your quote. The discount will apply on all quotes taken before midnight on 30 September 2020, however can be withdrawn at any time.

NARPO 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 NARPO 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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