NARPO Car Insurance

Designed for NARPO members and their family

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NARPO Car Insurance

Insurance Premium Tax (IPT) increase
The standard IPT rate is increasing from 10% to 12% on new car and home insurance policies purchased from 1 June 2017 onwards.

After 30 years of working with NARPO, we've come to know what NARPO members want from their car and home insurance. This could suit you if you want:

  • An insurance product designed specifically for NARPO members
  • Interest free monthly payment options
    No admin fees for policy changes
  • Access to a dedicated NARPO helpline
  • Friendly, highly experienced, Liverpool based staff

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NARPO Car Insurance Benefits
We're proud to arrange car and home insurance on behalf of NARPO members. Our comprehensive policies include:
Lifetime no claims discount
Uninsured driver cover
Courtesy car following an accident or theft
Lifetime guarantee on repairs
2 years new car replacement
10% multi-car discount

Terms & conditions apply

NARPO members save on average £120 on their car insurance by switching to Police Mutual.*

Last year we helped over 4,900 NARPO members and their families through the claims process. We paid out over £6.8 million in claims for our NARPO members in 2015.

*Average premium savings of £120 is based on 28% of all NARPO car insurance members who provided their existing premium and switched their insurance (inbound sales only) from June 2015 - May 2016.

Important Information

For further details of which products we offer through each Police Mutual Group company, please see the Legal page for further details. Our NARPO car insurance is provided by Royal & Sun Alliance Insurance plc.

NARPO Gold Policy Booklet

NARPO Gold Keyfacts Policy Summary

ARAG Motor Legal Protection Keyfacts Policy Summary

Other things you should know

Yes! As of November 2016 our NARPO car and home insurance can be purchased both online or on the phone. If you want to buy online simply click on the orange ‘Get a quote’ button. If you want to speak to one of our specialist Liverpool-based NARPO team members call 0345 758 5878.

If you want to add another driver to your existing policy, please call us on 0800 032 2610. You will 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).

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.

No, you only need to pay the excess towards your own repairs.

Depending on the level of car insurance cover you have chosen, you may be able to drive other cars at third party cover (with the owner's permission). You will need to check this on your insurance policy documents.

When you take your car abroad the cover you have is shown on your insurance certificate so you must always take this with you.

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, we will replace the child seat with a new one of the same quality, even if it doesn't appear to be damaged.

Accidental damage is covered on comprehensive policies. This covers you for damage to your car as well as the third party's vehicle after an accident.

No, windscreen claims do not affect your No Claim Discount.

Social, domestic and pleasure including commuting policies only cover travel to and from your usual place of business. That is fine for most members of the public but Police Officers may be stationed at one place but have to travel elsewhere for training, going to court, visiting headquarters or simply helping to fill a temporary need at another division. Any of these journeys are NOT insured. There are occasions where travel to and from your normal place of business will not be covered by a Social, domestic and pleasure including commuting policy. For example, you go into work but get sent home to change clothes for operational reasons and then return to your normal station. That journey is official and you are on duty and therefore not covered unless you choose to include business use.

If you buy your policy online or over the phone immediate cover is available.

The car insurance claims advisors are fully trained and have an excellent knowledge of the policy cover you have arranged. Wherever possible, they will let you know during your first call whether your claim is covered by your policy. It may help you to read through the policy document along with your schedule of cover before ringing to report your claim.

No claims discounts/bonus represents the number of years you have held a policy without making a claim or having a claim made against you.

Policy excess is the part of claim that you agree to pay - the car insurance covers you for the remaining amount.

Cover will be provided for anyone allowed by the Certificate of Motor Insurance to drive your car, as long as they are driving the car with your permission.

Cover is provided up to 180 days per year. If additional cover is required please call us on 0800 032 2610

Please call us to discuss this further on 0800 032 2610

Please call us to discuss this further on 0800 032 2610

You get a courtesy car as standard while your vehicle is at an insurer-recommended repairer. So you don't have to worry about organising one yourself.

If you need to cancel your policy, just call our UK based help line and we'll be happy to help.

Call us on 0800 032 2610 (Mon - Fri 9am - 5pm)

If you need to make a change such as a change of car or requiring a new level of cover, just call our UK based help line and we'll be happy to help.

If there is a change in your premium we'll let you know.

Call us on 0800 032 2610 (Mon - Fri 9am - 5pm)

Call our UK based claim line which is open 24 hours a day 365 days a year. The number you need to dial is dependent on the time you call:

0345 076 2192 Mon - Fri 9am - 5pm

0330 102 4097 All other times - outside of these hours, emergency claims assistance is provided by ARAG Insurance

You can pay your premiums monthly by Direct Debit if you want to. And unlike many other insurers, we won't charge you extra on top of your normal yearly premium.

(subject to terms and conditions)

Roland Smith has been part of Police Mutual for a number of years, so we've decided to use the Police Mutual name moving forwards.  Other than the name, nothing else changes and you'll get the same great service and value for money products you've always enjoyed from us.  You can still call our friendly specialist NARPO team on the same number you've always used - 0345 758 5878.

We've been arranging exclusive home and car insurance for NARPO members for over 30 years now. We take pride in helping members of NARPO find the right level of cover for their specific needs.

It's important you understand all of the Key Facts Summary for NARPO car insurance. We recommend you read the document (in the 'Important information' tab) before you apply, and keep it in a safe place.

For further details of which products we offer through each Police Mutual Group company, please see the Legal page. Our NARPO car insurance is provided by Royal & Sun Alliance Insurance plc.

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Product documents

For further details of which products we offer through each Police Mutual Group company, please see the Legal page for further details. Our NARPO car insurance is provided by Royal & Sun Alliance Insurance plc.

NARPO Gold Policy Booklet

NARPO Gold Keyfacts Policy Summary

ARAG Motor Legal Protection Keyfacts Policy Summary