Stepping away from the police service is a significant step, whether you are retiring after 30 years, leaving due to ill-health, or moving on after a shorter period of service. The shift away from daily force life brings new choices about your career, finances, and personal plans.
You do not have to navigate those choices alone.
NARPO (National Association of Retired Police Officers) represents and supports over 90,000 police leavers across the UK. Whether you served 5 years or 25, NARPO provides access to practical guidance, career tools, welfare assistance, and a nationwide network of former colleagues.
Police Mutual works closely alongside NARPO to ensure members also have access to financial products designed around the specific needs of the police family.
Why choose Police Mutual as a member of NARPO
Police Mutual was set up specifically to serve the police family, giving us a clear understanding of the work you have done and the priorities you have after leaving the force. Our relationship with NARPO is built on over 30 years of mutual support, ensuring our products reflect what former officers and staff need.
Rather than treating you as just another customer on a comparison site, we provide straightforward cover and pricing, as well as dedicated UK-based customer support teams who understand your background.
Here is what fellow members say about their experience:
5* Excellent friendly service
“Being a retired bobby, I have used Police Mutual for some years. They are very prompt and professional in dealing with claims and taking much of the worry away. Equally and probably more importantly, is the customer service. Today, having contacted them to update my details, Elaine’s thorough and professional manner in checking my renewal resulted in a significant saving. The conversation was friendly and genuine, making for a relaxed enquiry. A very professional experience.”
Steve, Police Mutual NARPO insurance customer
5* Cheaper than last year
“Police Mutual was cheaper than my renewal quote and cheaper than my insurance last year, all for the same cover. I could have got it slightly cheaper with comparison sites but with companies I had never heard of. As a retired police officer I would expect a good service should I ever need it.”
Neil, Police Mutual NARPO insurance customer
Insurance for NARPO members
We offer three core insurance products for NARPO members, providing protection for your home, car and breakdown cover needs.
NARPO Breakdown Cover
Enjoy reassurance on every journey with breakdown cover for NARPO members, offering 24/7 roadside assistance and nationwide recovery support.
- Exclusive member rates starting from £52 per year.
- 24/7 access to nationwide recovery specialists.
- Vehicle-based cover that protects the car regardless of who is driving.
- Includes roadside repairs with up to 1 hour of labour, misfuelling assistance, and home recovery within a quarter-mile of your house.
- Optional European cover available for driving abroad.
Read the full features, benefits, and exclusions and get 24/7 protection with breakdown cover for NARPO members.
Police Mutual Rescue is provided by ERS (Syndicate 218 at Lloyds), and is arranged and administered by PMGI Limited trading as Police Mutual. For more details, please see our legal page.
NARPO Car Insurance
Comprehensive car insurance for police leavers, offering reliable protection without hidden costs.
- Pay monthly, at no extra cost.
- Up to £125 paid towards your current provider’s cancellation fee if you switch mid-term.
- Uninsured driver promise that protects your No Claims Discount if hit by an uninsured driver.
- Includes a 5-year guarantee on approved repairs, lost key cover, and personal belongings protection.
- Save 10% on your premium when you purchase new cover online. T&Cs apply.
T&Cs apply. Read the full features, benefits, and exclusions and switch seamlessly with car insurance for NARPO members.
NARPO Car Insurance is provided by ERS, and is arranged and administered by PMGI Limited trading as Police Mutual.
NARPO Home Insurance
Buildings and contents insurance trusted by the police family, giving you comprehensive cover for your home and belongings.
- Up to £1,000,000 in buildings cover and £75,000 in contents protection.
- Home emergency cover included as standard, providing up to £500 per claim.
- Up to £125 contribution towards existing cancellation charges when moving your policy to us.
- Pay monthly, at no extra cost.
- Dedicated UK-based helpline specifically for NARPO members.
T&Cs apply. Read the full features, benefits, and exclusions and protect your property with home insurance for NARPO members.
Police Mutual NARPO Home Insurance is provided by Bspoke Underwriting Ltd.
Home Emergency & Family Legal Protection cover is provided by ARAG plc who is authorised to administer this insurance on behalf of the insurer ARAG Legal Expenses Insurance Company Limited.
Helpful next steps
Read full features, benefits, and exclusions and get 24/7 protection with breakdown cover for NARPO members
Read full features, benefits, and exclusions and switch seamlessly with car insurance for NARPO members
Read full features, benefits, and exclusions and protect your property with home insurance for NARPO members
Visit the official portal to join NARPO today
What NARPO offers life after the police
NARPO is dedicated to making life after the police rewarding, secure, and connected. Membership provides access to four main areas of support:
Welfare and wellbeing support
Facing physical or mental health challenges after years on duty is common. NARPO provides welfare support nationally via its network of volunteer Welfare Representatives across over 100 branches, who signpost members to local regional support services and tackle loneliness through regular social gatherings.
Second Careers Hub
Moving into civilian employment can feel like unfamiliar territory. Created in partnership with Reed Solutions, NARPO’s second career hub provides guidance tailored specifically to police leavers. Members gain access to downloadable CV templates, cover letter samples, interview coaching, and practical help explaining transferable policing skills to prospective employers.
Advice and Campaigning
Police pensions and tax regulations can be complex. NARPO gives members access to up-to-date guidance on police pensions, injury awards, state benefits, and tax queries. NARPO campaigns actively with Parliament and partner organisations such as Later Life Ambitions to defend pension rights and protect welfare standards for former officers.
Leisure savings and community connection
Members receive regular updates via a quarterly national magazine and regular digital newsletters, alongside exclusive discounts on holidays, vehicles, and everyday purchases. Local branches organise regular meetings and social events to help you keep in touch with former colleagues.
How to join NARPO
If you have left the police service and are not yet a NARPO member, joining is straightforward. Full membership is open to anyone who has served as a police officer, regardless of length of service. Associate membership options are also available for specials and staff, spouses, partners, and widowers depending on branch guidelines.
To register and start accessing member benefits:
- Visit the join us page on the NARPO website.
- Select your local branch from over 100 regional options.
- Complete your application online or email [email protected] or call NARPO direct on 01924 362166 for assistance.
Once your membership is confirmed, you can take advantage of Police Mutual’s NARPO products and access all welfare, pension, and career hubs.
Frequently Asked Questions
Yes. NARPO is open to all police leavers, whether you served 5 years or 25, left to pursue a new career, or retired due to ill-health.
Career tools and pension advice can be found on the main NARPO website once your membership has been approved; you can log in at narpo.org or speak to your local branch.
If you decide to move your existing car or home insurance policy to Police Mutual before your renewal date, we will cover up to £125 of any cancellation charge levied by your current insurer.
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