Cover that works hard for retired Police Officers

  • Car insurance (provided by ERS) to keep NARPO members on the road in the UK and Europe
  • Unlike some insurance policies, NARPO members can 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
  • You don’t have to wait for your renewal date – switch today and you’ll receive cancellation fees up to the value of £125 if your existing insurer charges for cancellation
  • Fast, friendly service from our UK-based helpline

Buy online
and get a
10% discount

The 10% discount is available online only. It is applied to the basic premium when you buy a new car insurance policy. It is not available on optional extras and minimum premiums apply. The discount will be automatically applied to your quote. The discount can be withdrawn at any time and is provided by ERS.

What’s included

Police Mutual provides:
  • Pay monthly, at no extra cost
  • Switch at any time, with cancellation fees of up to £125 paid, when you switch to us
Cover for:
  • Uninsured driver cover to keep your No Claims Discount safe
  • 5 year 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, subject to availability
  • European cover for up to 180 days per trip, for more relaxing holidays

What’s not included

Cover for:
  • Theft if reasonable precautions are not taken to protect it, such as leaving it unlocked, leaving the keys in or leaving the windows open
  • Certain import, classic or modified vehicles
  • Vehicles used solely for business purposes
  • Mechanical failure, or wear and tear
  • Campervans

Terms & Conditions apply, please check your policy documents for details.

The (not so) small print

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

NARPO Car Insurance is provided by ERS, and is arranged and administered by PMGI Limited trading as Police Mutual.

For more details, please see our legal page

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.

Please read the below policy documents:

NARPO Car Insurance IPID

NARPO Car Insurance Policy Booklet

Police Mutual Terms of Business

If you’re looking at including Legal Protection with your NARPO Car Insurance please read the below policy documents:

Car Legal Protection IPID

Car Legal Protection Policy Booklet

Get a Car Insurance Quote

Need to claim?

If you need to claim on a Royal & Sun Alliance policy taken out on or before 31 December 2023, please call 0330 102 4097. Lines are open 9.00am – 5.00pm Monday to Friday.

If you need to claim on an ERS policy taken out on or after 1 January 2024, please call 0330 123 5992. Lines are open 24 hours a day, 365 days a year.

We’re here to help

We're here to help - 0151 242 7640 0151 242 7645

Mon-Fri 9.00am-5.00pm

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Your Car Insurance questions answered

Can I get a quote online?Yes. Our NARPO car insurance can be purchased both online or on the phone. If you want to buy online, simply click on the ‘Get a Car Insurance Quote’ button. If you want to speak to one of our specialist Liverpool-based NARPO team members call 0151 242 7645.: NARPO Car insurance
How do I make a claim?Call our claims notification and helpline: 0330 123 5992. Lines are open 24 hours a day, 365 days a year’.: NARPO Car insurance
Can I pay monthly?You can pay your premiums monthly by Direct Debit if you want to. Unlike many other insurers, we won’t charge you extra on top of your normal yearly premium.: NARPO Car insurance
How do I change my policy?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 helpline and we’ll be happy to help. If there’s a change in your premium, we’ll let you know.

Call us on 0151 242 7645 Mon- Fri 9.00am-5.00pm.: NARPO Car insurance
How do I cancel my policy?If you need to cancel your policy, just call our UK-based helpline.
Please note, if you cancel your cover and haven’t made a claim, we will refund the proportional (pro-rata) amount of the premium which applies to the remaining period of insurance, less a minimum premium of £28 (including insurance premium tax) where applicable.: NARPO Car insurance
Do I get a courtesy car?Subject to availability, you get a temporary hire car following an accident or theft. Please refer to the policy documents for full terms and conditions.: NARPO Car insurance
I’m thinking about buying a car that has been imported from outside Europe. Would you be able to provide cover?Please call us to discuss this further on 0151 242 7645.: NARPO Car insurance
Can you provide me with a quote for my classic car?Please call us to discuss this further on 0151 242 7645.: NARPO Car insurance
Who is allowed to drive my car?Cover will be provided for anyone named on the Certificate of Motor Insurance to drive your car, as long as they’re driving the car with your permission.: NARPO Car insurance
I take my car to Europe. Can you provide cover?There is no limit on the number of trips you make in any period of insurance but each trip must be for no more than 180 days. If additional cover is required please call us on 0151 242 7645.: NARPO Car insurance
I’ve been driving a company car for the last 5 years. Will you allow me any No Claims Discount?Please call us to discuss this further on 0151 242 7645.: NARPO Car insurance
What is a No Claims Discount?A No Claims Discount is a discount which insurers offer if you can provide evidence of a claim free driving history.: NARPO Car insurance
What is policy excess?Policy excess is the part of a claim that you agree to pay – the car insurance covers you for the remaining amount.: NARPO Car insurance
Is immediate cover available?If you buy your policy online or over the phone, immediate cover is available.: NARPO Car insurance
When my car is in the garage for a service, does my car insurance cover me to drive the garage’s courtesy car?Please call us to discuss this further on 0151 242 7645.: NARPO Car insurance
If I have a claim for windscreen damage, does it affect my No Claims Discount?No, windscreen claims do not affect your No Claims Discount.: NARPO Car insurance
Do I have to pay the excess towards a Third Party claim?No, you only need to pay the excess towards your own repairs.: NARPO Car insurance
Does my car insurance cover me to drive other vehicles?Depending on the level of car insurance cover you’ve chosen, you may be able to drive other cars at Third Party cover (with the owner’s permission). You’ll need to check this on your insurance policy documents.: NARPO Car insurance
Do I have to show my car insurance certificate when I use my car abroad?When you take your car abroad the cover you have is shown on your insurance certificate so you must always take this with you.: NARPO Car insurance
Are child seats replaced after an accident?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, the child seat will be replaced with a new one of the same quality, up to a value of £150, even if it doesn’t appear to be damaged.: NARPO Car insurance
Am I covered for accidental damage to my own vehicle?Accidental damage is covered on comprehensive policies. This covers you for damage to your car.: NARPO Car insurance
How do I add another driver to my car insurance policy?If you want to add another driver to your existing policy, please call us on 0151 242 7645. You’ll 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).: NARPO Car insurance
Are factory fitted options classed as modifications to my car?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.: NARPO Car insurance

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