• Join the Nation in raising a glass on VE Day

    Join the Nation in raising a glass on VE Day

    This article was published on Thur 07 May 2020. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    VE Day marks the day when fighting against Nazi Germany in Europe ceased and World War 2 came to an end – on 8th May 1945.

    Under normal circumstances, this would be a time when we would come together to reflect upon and celebrate the sacrifices made by so many people during the war. Not just the millions of soldiers, but the men and women who worked in the factories and mines, as well as Police Officers, nurses, and many more.

    This year is the 75th anniversary of VE Day and there were lots of special celebrations planned to take place. The government had moved the traditional May Bank Holiday so that it falls on Friday 8th May. Pubs were to be allowed to stay open later, and people across the country were encouraged to throw street parties. There was also going to be a flyover of Buckingham Palace by the Red Arrows.

    However, as a result of the COVID-19 pandemic, plans for VE Day celebrations have been postponed until a later date.

    Instead, organisers are encouraging everyone to take part in The Nation’s Toast – raising a glass on Friday 8th May at 3pm and making the following toast: To those who gave so much, we thank you.

    We will certainly be taking part, paying tribute to the millions both home and abroad who gave so much to ensure the freedom we all enjoy today.

  • Talk Money Week – 18 – 22 November

    Talk Money Week – 18 – 22 November

    This article was published on Mon 18 Nov 2019. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Money and debt is often seen as a taboo subject but Talk Money Week is here to break the stigma.

    According to the recent Police Federation Pay & Morale survey* around one in eight officers are seeking financial support to cover living costs. Talk money week is an ideal time to review your finances and improve your financial wellbeing.

    Worrying about money can negatively affect your mental health and for those people experiencing mental health problems it makes it harder to manage their finances.  Problem debt can also be linked to suicide.

    According to Money and Mental Health Policy Institute over 420,000 people in problem debt consider taking their own life in England every year, while more than 100,000 people in debt actually attempt suicide annually.**

    It’s important to start talking about money worries before your situation gets worse.  Talking about money will give you the confidence to get help and find out who can best advise you on any problems.  It can give you a great sense of relief to share your problems, so you’re not facing them alone.  If you don’t feel ready to talk to someone, write done what you are going through and share it with somebody you can trust.  It’s important to seek professional advice as soon as possible and not wait until it’s more difficult to find a solution.

    Police Mutual are here to help. We want to break down the stigma surrounding debt and get people talking about money.

    We’ve teamed up with PayPlan, one of the UK’s leading free debt advice providers, who offer free and confidential advice to anyone in serious financial difficulties.***

    They’re able to advise you on a range of debt solutions suited to your individual circumstances, helping to protect you and your family with a sustainable way to manage your debt.

    Get free and confidential help to combat your debt, call PayPlan on 0800 197 8433If you don’t want to talk on the phone, it is also possible to email them.

    Below are some tips on how to improve your financial wellbeing

    • Use our budget calculator here to help you manage your money. Set yourself a daily spend limit based on how much disposable cash you have each month
    • Set up a separate bill account and transfer an amount each month to cover the cost of all your household bills
    • Check your bank balance each week so there are no nasty surprises. Consider using an app so you can see all your accounts in one place
    • Switch your current account – banks will often pay you to switch accounts use the link here for more information
    • Look at your general insurance, using the link here for Police Mutual car insurance and here for Police Mutual home insurance
    • Check your utility bills, for more information use the link here
    • Review your mortgage – for more information on the Police Mutual mortgage advice service click here
    • Check your credit score using one of the various companies available online including, Experian, Equifax or CallCredit

    Police Mutual Services

    Police Mutual offer a range of wellbeing support services, for more details check out the For You pages on our website at www.policemutual.co.uk

    The Care Line Service provided by Health Assured can offer advice and information at the end of a phone, helping with a range of concerns including emotional support.  To talk to someone please call 0800 028 1708 or take a look at the e-portal:

    Health & Wellbeing e-portal
    https://healthassuredeap.co.uk/
    Username: policemutual
    Password: careline

    The (not so) small print

    * Police Federation’s annual Pay & Morale survey results published in November 2019

    ** Money and Health Policy Institute report ‘a silent killer’ Published December 2018

    *** PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham, NG31 0EA. Totemic Limited is authorised and regulated by the Financial Conduct Authority. Financial Conduct Authority Number: 681263.

    Police Mutual is a trading name of Police Mutual Assurance Society Limited (PMAS), PMGI Limited (PMGI) and Mortgage Excellence Plc (MEX).  PMAS is an incorporated friendly society authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. PMGI and MEX are authorised and regulated by the Financial Conduct Authority. All Police Mutual companies are registered in England and Wales.  PMGI, register no. 1073408; MEX, register no. 03527577. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS.

  • Remembrance Day 2019

    Remembrance Day 2019

    This article was published on Tue 05 Nov 2019. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    The Royal British Legion has been supporting Service men and women, ex-serving personnel and their families since 1921 and brought together four national organisations that had established themselves after the First World War.  These were:

    • The National Association of Discharged Sailors and Soldiers
    • The British National Federation of Discharged and Demobilized Sailors and Soldiers
    • The Comrades of The Great War
    • The Officers’ Association

    The red poppy symbolises both Remembrance and also hope for a peaceful future. People wear poppies to show support of the Armed Forces community.

    Wearing a poppy is not compulsory and is a very personal choice and reflects your own experience and personal memories.

    What is the inspiration and history behind the poppy becoming a symbol of Remembrance?

    During the WW1, the countryside in Western Europe was bombed considerably and stunning landscapes were turned into bleak, muddy and barren fields where very little flora or fauna could grow. 

    However there was an exception to this, the bright red Flanders poppies. The poppies were so resilient they flourished and grew in vast amounts.

    In the Spring of 1915, Lieutenant Colonel John McCrae was so moved by seeing the poppies that he wrote the now famous poem ‘In Flanders Fields’.

    In Flanders Fields
    The poem by John McCrae

    In Flanders’ fields the poppies blow
    Between the crosses, row on row,
    That mark our place: and in the sky
    The larks, still bravely singing, fly
    Scarce heard amid the guns below.

    We are the dead. Short days ago
    We lived, felt dawn, saw sunset glow,
    Loved and were loved, and now we lie
    In Flanders’ fields.

    Take up our quarrel with the foe;
    To you from failing hands we throw
    The torch; be yours to hold it high,
    If ye break faith with us who die
    We shall not sleep, though poppies grow
    In Flanders’ Fields.

  • The first Wednesday in November each year is National Stress Awareness Day

    The first Wednesday in November each year is National Stress Awareness Day

    This article was published on Mon 04 Nov 2019. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    We all know what it’s like to feel stressed – being under pressure is a normal part of life. But becoming overwhelmed by stress can lead to mental health problems or make existing problems worse.

    Stress isn’t a mental health condition, but it can cause a mental health problem, like anxiety or depression or it can cause an existing one to get worse.

    Stress can also affect you physically, it can cause headaches, tiredness or stomach problems.

    National Stress Awareness Day is a great opportunity to take a moment to think about your own wellbeing and find out more on how to manage stress.

    What you can do to help with stress

    There are various steps you can take to cope with being under pressure, remember, different things work for different people.

    Identify your triggers and take control – working out what triggers your stress can help you anticipate when you may feel stressed and what you could do about it in advance.

    Organise your time – making some adjustments to the way you organise your time can help you feel more in control and able to handle the pressure you are feeling.

    Be active – exercise can help clear your head and then let you deal with your problems more calmly. Go outside to exercise, as fresh air and spending time in nature can really help.

    Talk to other people – friends, family & colleagues can help support you through the stress you are feeling, you may even have a laugh and start to relax. You may also want to consider talking to a professional counsellor.

    Do something you enjoy – spending time doing something you enjoy will take your mind off how you are feeling. Everyone needs to take time for themselves, it can be as simple as having a bath or reading a book.

    Avoid unhealthy ways to cope – many people use alcohol, smoking, chocolate and gambling to try and relieve the stress they are feeling, none of these things will help in the long term, use healthy coping strategies like going for a run, listening to music or walking the dog.

    Challenge yourself – learning new skills and setting yourself new goals will help build your confidence and make you feel good about yourself.

    Help others – people who volunteer in the community or for a worthwhile cause tend to be more resilient.

    Try to be positive – think of all the things you are grateful for, write down or say out loud 3 things that went well each day.

    Address some of the causes – where possible improve some of the issues that are putting pressure on you.

    Accept the thing you can’t change – it’s not easy, but accepting that there are some things happening to you that you can’t do anything about will help you focus your time and energy elsewhere.

    Worrying about money can be extremely stressful and may lead to mental health conditions.

    Police Mutual are here to help. We want to break down the stigma surrounding debt and get people talking about money.

    We’ve teamed up with PayPlan, one of the UK’s leading free debt advice providers, who offer free and confidential advice to anyone in serious financial difficulties.

    They’re able to advise you on a range of debt solutions suited to your individual circumstances, helping to protect you and your family with a sustainable way to manage your debt.

    Get free and confidential help to combat your debt, call PayPlan on 0800 197 8433

    Police Mutual Services

    Police Mutual offer a range of wellbeing support services, for more details check out the For You pages on our website at www.policemutual.co.uk

    The Care Line Service provided by Health Assured can offer advice and information at the end of a phone, helping with a range of concerns including emotional support. To talk to someone please call 0800 028 1708 or take a look at the e-portal –

    Health & Wellbeing e-portal
    https://healthassuredeap.co.uk/
    Username: policemutual
    Password: careline

    The (not so) small print

    Police Mutual Assurance Society Limited, trading as Police Mutual, is an incorporated friendly society. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

    PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham, NG31 0EA. Totemic Limited is authorised and regulated by the Financial Conduct Authority. Financial Conduct Authority Number: 681263.

  • Mental Health Awareness Day

    Mental Health Awareness Day

    This article was published on Thur 10 Oct 2019. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Mental health problems can affect anyone, any day of the year, but as today is mental health awareness day, it is a great day to look after your own wellbeing and show support to others.

    Mental health describes how you are feeling and how well you can cope with day to day life. Taking care of your mental health is as important as taking care of your physical health.  Mental health problems affect around 1 in 4 people*.

    How to take care of your mental health

    • Talk about your feelings – talking can help you take charge of your wellbeing
    • Keep active – regular exercise can boost your self-esteem, can help you concentrate, sleep and overall feel better
    • Eat well – a diet that is good for your physical health is also good for your mental health
    • Drink sensibly – drinking alcohol is not a good way to manage difficult feelings
    • Keep in touch – it’s good for you to catch up with friends and family face to face or over the phone
    • Ask for help – its ok not to be ok, so ask for help if you are struggling
    • Take a break – a change of scenery or pace is good for you
    • Do something you’re good at – enjoying yourself can help beat stress
    • Accept who you are – accept your uniqueness, don’t wish you were someone else
    • Care for others – supporting others uplifts you as well as them

    Worrying about money can negatively affect your mental health and for those people experiencing mental health problems it makes it harder to manage their finances. Problem debt can also be linked to suicide.

    According to Money and Mental Health Policy Institute, over 420,000 people in problem debt consider taking their own life in England every year, while more than 100,000 people in debt actually attempt suicide annually**.

    Police Mutual are here to help. We want to break down the stigma surrounding debt and get people talking about money.

    We’ve teamed up with PayPlan, one of the UK’s leading free debt advice providers, who offer free and confidential advice to anyone in serious financial difficulties.

    They’re able to advise you on a range of debt solutions suited to your individual circumstances, helping to protect you and your family with a sustainable way to manage your debt.

    Get free and confidential help to combat your debt, call PayPlan on 0800 197 8433

    Police Mutual Care Line Service provided by Health Assured can offer advice and information at the end of a phone, helping with a range of concerns. To talk to someone please call 0800 028 1708 or take a look at the e-portal –

    Health & Wellbeing e-portal
    https://healthassuredeap.co.uk/
    Username: policemutual
    Password: careline

    Police Mutual offer a range of wellbeing support services, for more details check out the For You pages on our website www.policemutual.co.uk

    All of our Relationship Managers and Financial Wellbeing Consultants are trained Mental Health First Aiders

    *According to Mental Health First Aid Organisation
    **Money and Health Policy Institute report ‘a silent killer’ Published December 2018

    Police Mutual Assurance Society Limited, trading as Police Mutual is an incorporated friendly society Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

  • Sleeptember 2019

    Sleeptember 2019

    This article was published on Tue 17 Sep 2019. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Most healthy adults need between 7 to 9 hours of good quality sleep per night to function at your best

    We spend about a third of our lives asleep. Sleep is essential – It is as important to our bodies as eating, drinking and breathing, and is vital for maintaining good mental and physical health. Sleeping helps us to recover from mental as well as physical exertion.

    Sleep and health are strongly related – poor sleep can increase the risk of having poor health, and poor health can make it harder to sleep.  Sleep disturbances can be one of the first signs of distress.

    Common mental health problems like anxiety and depression can often underpin sleep problems.

    According to The Sleep Council organisation shift work can be harmful to sleep

    Poor Sleep or lack of sleep can lead to –

    • Mood changes
    • High levels of Stress
    • High levels of anger
    • A higher tendency to take drugs and drink alcohol

    How to look after yourself when working nights

    • Manage your time correctly
    • Eat correctly
    • Prepare yourself to be in the best condition possible for your night shift

    There are four simple things to consider to help you with a period of poor sleep:

    • Health – It’s important to address any mental and physical health worries that might keep you awake.
    • Environment – Where you sleep is important. Watching TV, playing with phones or eating in bed can all affect the quality of our sleep. Temperature, noise levels and light all play a part in determining our sleep.
    • Attitude – In the time before we go to bed, we should try and wind down, be less stimulated, and relax. Try relaxation techniques, a warm bath or mindfulness practice.
    • Lifestyle – Stimulants like caffeine can make it harder to sleep, and a heavy or sugary meal close to bedtime can make sleep uncomfortable and alcohol can reduce the quality of sleep.

    Top 10 reasons to get a good night’s sleep

    • Sleep helps reduce stress
    • Sleep can improve your memory
    • Sleep can lower your blood pressure
    • Sleep can help you maintain your weight
    • Sleep puts you in a better mood
    • Sleep could reduce your chances of diabetes
    • Sleep helps keep your heart healthy
    • Sleep can be a painkiller
    • Sleep can make you smarter

    Risks of poor sleep

    • Memory issues
    • Mood changes
    • Trouble with thinking and concentration
    • Accidents – car or in the home
    • Weakened immunity
    • High blood pressure
    • Risk of diabetes
    • Weight gain
    • Risk of heart disease
    • Poor balance

    What to do if you can’t sleep

    • Try mindfulness sleep here
    • Use the Headspace App here
    • Have a look at MindFit Cop on the Oscar Kilo website here
    • Watch this Webinar here
    • Try this 4 week plan here
    • Talk to your line manager
    • Talk to your EAP provider
    Police Mutual Care Line Service provided by Health Assured can offer advice and information at the end of a phone, helping with a range of concerns including sleep problems. To talk to someone please call 0800 028 1708 or take a look at the e-portal –
    Health & Wellbeing e-portal
    https://healthassuredeap.co.uk/ Username: policemutual Password: careline  

    Police Mutual offer a range of wellbeing support services, for more details check out the For You pages on our website www.policemutual.co.uk

    Police Mutual Assurance Society Limited, trading as Police Mutual is an incorporated friendly society Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

  • World Suicide Prevention Day 10 September

    World Suicide Prevention Day 10 September

    This article was published on Tue 10 Sep 2019. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Suicide is preventable, it’s not inevitable

    High financial stress and mental health are intrinsically linked.

    Worrying about money negatively affects people’s mental health and for those people experiencing mental health problems it makes it harder to manage their finances.

    It can become a vicious cycle. Research has shown that money worries don’t just affect your personal life, they can also affect your family life, health and work.

    According to a survey of 5,500 people carried out by the Money and Mental Health Organisation*

    • 46% of people in problem debt also have a mental health problem.
    • 86% of people with experience of mental health problems said that their financial situation had made their mental health problems worse.
    • Almost one in five people with mental health problems are in problem debt.
    • People experiencing mental health problems are three and a half times more likely to be in problem debt than people without mental health problems.
    • 72% said that their mental health problems had made their financial situation worse

    Many people who are experiencing high financial stress feel unable to talk openly about their situation due to feelings of shame or guilt or fears that it may impact their career.

    Problem debt can also be linked to suicide.

    According to Money and Mental Health Policy Institute

    Over 420,000 people in problem debt considered taking their own life in England last year, while more than 100,000 people in debt actually attempt suicide annually**.

    Individuals with multiple debt problems are at a ‘significantly high risk of suicide’ than those with just one problem debt.

    Suicide is the biggest killer of men under 49.

    Police Mutual are here to help. Our mission is to break down the stigma surrounding debt and get people talking about money.

    We’ve teamed up with PayPlan, one of the UK’s leading free debt advice providers, who offer free and confidential advice to anyone in serious financial difficulties.

    They’re able to advise you on a range of debt solutions suited to your individual circumstances, helping to protect you and your family with a sustainable way to manage your debt.

    Get free and confidential help to combat your debt, call PayPlan on 0800 197

    All of our Relationship Managers and Financial Wellbeing Consultants are trained Mental Health First Aiders

    Police Mutual Care Line Service provided by Health Assured can offer advice and information at the end of a phone, helping with a range of concerns. To talk to someone please call 0800 028 1708 or take a look at the e-portal –

    Health & Wellbeing e-portal

    https://healthassuredeap.co.uk/

    Username: policemutual
    Password: careline

    Police Mutual offer a range of wellbeing support services, for more details check out the For You pages on our website www.policemutual.co.uk

    * Money and Health Policy Institute report ‘Debt and Mental Health’ Published March 2019

    ** Money and Health Policy Institute report ‘a silent killer’ Published December 2018

    Police Mutual Assurance Society Limited, trading as Police Mutual is an incorporated friendly society Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

  • Latest: Top tips for cheaper motoring

    Latest: Top tips for cheaper motoring

    This article was published on Mon 12 Aug 2019. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Top tips for cheaper motoring

    According to Kwik-Fit, an average car can set its owner back close to £5,000 per year*.  Find out how to reduce how much your car costs you.

    Reduce servicing costs

    Although garage servicing costs can be high, you may be able to save money on servicing by shopping around. But this doesn’t mean avoiding getting your car serviced. Minor repairs left to get worse may become very expensive to repair. Also, stick to the servicing intervals recommended by the car manufacturer and always keep a full service history to help maintain the value of your car.

    Take care of your tyres

    You can prolong your tyres’ life by taking proper care of them:

    • Ensure that they are correctly inflated as over or under-inflated tyres aren’t only dangerous, they will wear out more quickly and will increase your fuel consumption.
    • Check the tread for any foreign matter such as stones that might have lodged there.
    • Consider having your wheels aligned; badly aligned wheels can double tyre wear rate.

    While it’ll save you money by making your tyres last as long as possible, you must never drive on damaged tyres. Tyres must not have less than the legal minimum tread depth of 1.6 mm across the central three quarters of the width of the tyre, with many experts recommending a minimum of 3mm.

    Clear out your car

    Many people use their car boots as a dumping ground for all manner of items. The heavier your load, the more fuel you will use – which will make a big difference over time.

    Think about your driving style

    The way we drive can make a huge difference to fuel consumption. (You may be able to calculate yours here.)

    Every car has an optimal fuel efficiency typically around 30 mph to 50 mph, which is dependent on vehicle type. Increasing your cruising speed from 55 mph to 75 mph can raise fuel consumption as much as 20%!

    Other ways in which you can improve your fuel efficiency are:

    • Drive smoothly, accelerate and decelerate gently.
    • Avoid unnecessary braking by keeping a reasonable distance from the car in front and reading the road.
    • Avoid unnecessary stopping and starting in queues – try to keep your car rolling but avoid slipping the clutch.
    • Change gear sooner but avoid labouring the engine.
    • Reduce the amount you use your air conditioning as it can increase your fuel consumption. However, be sure to stick to the manufacturer’s recommendations about running it periodically.
    • Electrical loads increase fuel consumption, so turn off your heated rear windscreen, defoggers and headlights. Of course, only if safe to do so.
    • If your car is modern and has start-stop technology, make sure it’s activated. This will help reduce fuel consumption when you’re sat in a queue.

    Keep your car aerodynamic

    Car manufacturers make big efforts to improve the aerodynamics of their design to reduce drag and improve fuel economy. But if you leave roof bars and roof boxes on when you’re not using them, you won’t be helping your fuel economy.

    Reduce CO2 to keep car tax down

    If you’re looking to buy a new car, opt for one with low CO2 emissions and you’ll pay a lower first year rate in Vehicle Excise Duty. You’ll find CO2 emissions information on the car’s V5C registration document.

    Cars such as electric vehicles which emit ZERO CO2 are totally exempt from vehicle tax, in year 1 and subsequent years.

    For cars with higher emissions than zero, the first years charge can range from £10 to £2,135 dependent on the level of emissions. The second time the vehicle is taxed, and subsequent years, the standard rate from 1 April 2019 is £145.

    Cars with a list price of more than £40,000 are subject to an additional charge of £320 for five years after the first year.

    To calculate your vehicle tax rate, use the Vehicle Certification Agency’s calculator.

    Winter-proof your car

    It might be a little early to be thinking about autumn and winter, but these are the worst times of year for car breakdowns and insurance claims. Ensuring that that your car is ready to cope with the winter months, could help avoid inconvenient and potentially costly events later on. Below are just a couple of suggestions:

    • Lights – Make sure that lights are clean and working as a dirty head light can severely reduce your ability to see the road in front. 
    • Screenwash – It is always dangerous to drive with a dirty windscreen, but even more so with the low winter sun when there is a high risk of being dazzled in the mornings and late afternoons. Keep your windscreen clean at all times and ensure that your screenwash is topped up regularly.
    • De-icer – De-ice before you set off. Make sure that you remove ice from your windows and mirrors before you set off, so allow a little extra time for doing so. Keep de-icer and an ice scraper handy.
    • Battery – Car batteries are heavily used in the winter months, so ensure that yours is in good condition. If you haven’t changed it recently, get it checked out and replace it before it lets you down.
    • Winter tyres – Not compulsory in the UK, but they in several other European countries, so think about this if you are travelling abroad. Winter tyres are made using a different compound which gives a better grip in the cold and uses a different tread pattern which is safer when driving on snow. They are becoming increasingly popular in the UK, and may well be worth considering.

    Now what about Car Insurance?

    If you don’t have car insurance with us, why not get a quote from us?

    Unlike many insurers, there are no hidden extras when you insure with Police Mutual and if you switch to us, Police Mutual will pay the cancellation fee that might be charged by your current provider, up to the value of £125.

    For more information about our car insurance and how you would benefit, click here or call 0151 242 7640

    Police Mutual car insurance is provided by Royal & Sun Alliance Insurance plc.

    PMGI Limited, trading as Police Mutual, is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 1073408. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire WS13 6QS.

    For you security, all telephone calls are recorded and may be monitored.

    * Figure includes finance costs or depreciation. Kwik-Fit survey June 2018.

  • Protect what matters most to you

    Protect what matters most to you

    This article was published on Tue 21 May 2019. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Protect what matters most to you

    We know how important it is to protect the things that matter most. What’s more, getting car and home insurance that is right for you with the right level of cover can be a minefield.

    The car and home insurance market is one area where you really need to keep your eyes peeled. At Police Mutual we believe in making it easy for our members, providing great protection as standard with no hidden costs.

    It’s important to remember when making a decision on your insurance sometimes you have to look behind the headline policy cost.

    We take a different approach compared to many insurers in the marketplace. There’s no charge for the convenience of paying by monthly instalments or admin fees for making policy changes. Plus, to make it even easier for you to look after your prized possessions we pay the cancellation fee that might be charged by your current provider, up to the value of £125. This means you can change insurers before your current policy expires.

    Understanding what matters to our customers

    We know home, and family time spent at home is hugely important for everyone. Last year we commissioned a survey to find out what makes a house a home for the Police family, with the aim to better understand what matters.

    When asked ‘Which items would you save if your home was on fire?’ responses ranged from:

    • The Essentials – family, pets, photos, phones and computers;
    • The Practicals – cash, bank card, car keys, contact lenses, important documents, passport and insulin pump;
    • The Sentimentals – Grandfather’s First World War medals, photos of deceased family members, daughter’s cuddly toy rabbit; and
    • The Matters to Me – bed, fridge and sofa, my password list, the books I’m writing, my financial paperwork, penguin shaped vase, piece of Elvis’ hair, (full) wine rack and action figure collectibles!

    It’s really interesting, but not surprising, to see how much importance people put on their personal belongings and the contents of their home, from key pieces of furniture to electricals and technology. This ties into the claims data we see, which shows that the most frequent claims we receive relate to accidental damage to contents in the home and loss and damage to personal belongings.

    Not surprisingly, the research demonstrated the huge range of items that people apply sentimental value to. We know we can’t bring back the sentimental value, however we can ensure that we are there to help our members when they really need us.

    What we are most proud of is our friendly Liverpool team and the service we offer, making people want to stay with us as they know they are in safe hands.

    Not only that it’s the little things we believe are important, doing more to help look after your car and home – we want to ensure our members get a better policy as standard without the need to take out multiple optional extras:

    • Up to £500 in Home Emergency Cover as standard on our home insurance product, providing you with immediate assistance in the event of a domestic emergency.
    • If you are buying a brand new car, we offer new car replacement cover as standard for the first 2 years of ownership.
    • An extra £5,000 in contents cover around religious festivals such as Christmas.
    • Cover when driving a courtesy car when your car is in for a service.
    • Low compulsory excesses so you don’t get stung when it comes to claiming.
    • Longer cover when driving abroad, with us you are covered for 6 months compared to 3 months with many competitors.

    Terms and conditions apply.

    It’s no wonder on average someone insures with Police Mutual every 4 minutes*


    Our car and home insurance is provided by Royal & Sun Alliance Insurance plc. PMGI Limited, trading as Police Mutual, is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 1073408. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Calls to 0800 numbers are free from UK landlines and mobiles. For your security, all telephone calls are recorded and may be monitored.

    *Calculation is based on 135,179 live policies which includes new business and renewals as at 3 May 2018

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  • Young driver car insurance: things to consider

    Young driver car insurance: things to consider

    This article was published on Fri 03 May 2019. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    A pivotal moment in most young adults’ lives is the day you pass your driving test. All your hard work has paid off and you’ve got more freedom than ever before. But if paying for all the lessons wasn’t expensive enough, once you pass you’ve got the cost of your car insurance to deal with.

    The cost of insurance is based on the level of risk there’s expected to be. The perceived higher risk results in a higher price. Younger drivers are seen to be high risk because of their lack of experience. Statistics from THINK! do show that a fifth of newly-qualified drivers suffer an accident within the first year of passing their test [1]. Other factors that can impact the cost of young drivers’ insurance includes:

    The car you drive


    A car’s age, value, engine size, and potential cost and time of repairs all contribute to the calculation of premiums. Newer, more powerful cars will typically be more expensive to insure.

    Who are you

    Where you live, your age, your occupation and if you’ve got a no claims free driving history can all affect how much you can end up paying.

    Your level of cover 

    Reduced cover doesn’t always mean a reduced price. In reality, third-party cover is generally more expensive. Research shows that this is because people who take out third-party policies are more likely to make a claim than those on fully comprehensive cover [2].

    Opting for comprehensive cover shows your insurer that you are more responsible, so it can be cheaper after all.

    Your excess

    Excess is the amount of money you must pay towards a claim made on your policy before the insurance company picks up the bill. The larger the amount you are prepared to pay in the event of a claim will reduce the cost of your premium. Make sure you choose an excess that you’re sure you can afford to pay if it calls for it.

    Reducing the cost of your insurance

    Research shows that for the average young driver as much as 10% of your whole yearly salary can be swallowed up by the cost of your car insurance. [3] That’s money that could be better spent on enjoying being able to drive. So what could you do to keep down the price?

    Your car

    After all those years of waiting to drive your own car it can be really tempting to get something fast and flamboyant. But what you gain for looking good, you’ll have to pay more for to insure. Again it all goes back to perceived risk. Cars with more power are seen as a risk and more likely to be involved in an accident or as a target for thieves. A more modest vehicle might not be as impressive but will be much cheaper to insure.

    Make safety a priority

    There’s a few things you can do to keep your car secure that will help ease your car insurance price and give you peace of mind too. Park your car in your garage if you can, or at least off the road overnight. It could also make a difference if you invest in some security devices like an alarm, tracker and immobiliser.

    Add mum or dad to your policy

    Including a more experienced driver to your policy could lead to cheaper insurance. Even if they don’t drive your car very often, adding someone older with a claim free history and no points on their licence could help! Be aware of ‘fronting’ though. Putting them as the main driver instead of a named driver is illegal and will mean an insurer could reject any claims you make.

    Get a black box

    Young people are stereotyped as a risk and therefore more costly to cover. Black boxes allow for young drivers to be judged on their own driving ability instead. Once installed in your car the box would monitor your driving and the results will be used to determine your price at renewal. If you drive safely it could save you money.

    All part of the service

    At Police Mutual we agree that it’s only fair that younger drivers are judged on how safe they are behind the wheel and not their age. That’s why we’ve carefully chosen to work with More Th>n and their Smart Wheels telematics black box technology to offer Young Driver Insurance. More Th>n’s black box technology offers younger drivers the chance to get a lower premium and to build a no claim discount in claim free years. Find out more and how to get your quote here:

    Young Driver Car Insurance is provided by More Th>n. Visit our legal page for further details.

    Sources:

    1 https://www.think.gov.uk/campaign/road-whisperer/

    2 https://www.moneysupermarket.com/car-insurance/third-party-only/

    https://www.abi.org.uk/news/news-articles/2018/02/cost-of-car-insurance-now-gobbles-up-10-percent-of-a-young-drivers-average-salary/

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