Police Mutual

Police Mutual, (fully named Police Mutual Assurance Society Limited), offer financial services for serving or retired Police Officers, staff or families. They offer many financial products exclusively for its members and there are no shareholders. From insurance to loans or savings, there range of products are to support its members. It was founded in 1866 and based in Staffordshire.

Our product ratings for Police Mutual

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Car insurance

1 product reviewed

Electric Car Insurance

1 product reviewed

Police Mutual

Car Insurance

Feature Value
Courtesy car for duration of repair Yes
Uninsured driver promise Yes
Cover limit for lost keys
£250.00
24hr helpline available Yes
New car replacement No
Courtesy car provided if stolen / total loss No
Windscreen repair excess
£25.00
Windscreen replacement excess
£100.00
Cover limit for stolen keys
£250.00
Cover for replacing original audio/visual equipment
Unlimited
Repairs guarantee (years)
5 years
Vandalism Yes

Home emergency cover

2 products reviewed

Boiler Breakdown Cover

2 products reviewed

Police Mutual

Home Emergency Cover

Feature Value
Minimum excess
£0.00
Premium (minimum excess applied)
N/A
No claims period (Boiler)
2.00
Boiler repair cover limit
£500.00
No claims period
2.00 days
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less.
£0.00
Getting access and reinstatement
£0.00
Type of pricing
Comes as standard with home insurance
Maximum excess
£0.00
Premium (maximum excess applied)
N/A
Underwriter
ARAG PLC
Unoccupied period
60
Individual call out cover limit for boiler repairs
£500.00
Time limit
N/A
Temporary emergency heating
£0.00
Boiler age exclusions
15.00
No claims period for boiler replacement
2.00
Boiler replacement (BER) within 0-4 years cover limit
£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less.
£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less.
£0.00
Boiler replacement (BER) within 8-10 years cover limit
£0.00
Boiler replacement (BER) 11-15 years cover limit
£1.00
Primary flue Yes
Boiler controls
Not Mentioned
Alternative accommodation cover
£500.00
Internal gas supply pipe cover Yes
Annual boiler service No
Repairs guarantee
Not Mentioned
24/7 claims helpline Yes
Primary heating system Yes
Date of price collection
2026-03-13
Plumbing & drainage cover Yes
Electrical breakdown Yes
Pest Yes
Security Yes
Police Mutual

NARPO Home Emergency Cover

Feature Value
Minimum excess
£0.00
Premium (minimum excess applied)
N/A
No claims period (Boiler)
2.00
Boiler repair cover limit
£500.00
No claims period
2.00 days
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less.
£0.00
Getting access and reinstatement
£0.00
Type of pricing
Comes as standard with home insurance
Maximum excess
£0.00
Premium (maximum excess applied)
N/A
Underwriter
ARAG PLC
Unoccupied period
60
Individual call out cover limit for boiler repairs
£500.00
Time limit
N/A
Temporary emergency heating
£0.00
Boiler age exclusions
15.00
No claims period for boiler replacement
2.00
Boiler replacement (BER) within 0-4 years cover limit
£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less.
£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less.
£0.00
Boiler replacement (BER) within 8-10 years cover limit
£0.00
Boiler replacement (BER) 11-15 years cover limit
£1.00
Primary flue Yes
Boiler controls
Not Mentioned
Alternative accommodation cover
£500.00
Internal gas supply pipe cover Yes
Annual boiler service No
Repairs guarantee
Not Mentioned
24/7 claims helpline Yes
Primary heating system Yes
Date of price collection
2026-03-13
Plumbing & drainage cover Yes
Electrical breakdown Yes
Pest Yes
Security Yes

Home insurance (building and contents)

9 products reviewed

Buildings insurance

4 products reviewed

Police Mutual

Family Home Insurance (With Matching Sets)

Feature Value
Escape of water excess for buildings
£250.00
Matching sets (Buildings) Yes
Frozen pipes Yes
Trace and access
£5,000.00
Underground pipes, cables and tanks
Covered as standard
Police Mutual

NARPO/Blue/Green/Family Home Insurance (With Matching Sets)

Feature Value
Escape of water excess for buildings
£250.00
Matching sets (Buildings) Yes
Frozen pipes Yes
Trace and access
£5,000.00
Underground pipes, cables and tanks
Covered as standard
Police Mutual

NARPO/Blue/Green/Family Home Insurance

Feature Value
Escape of water excess for buildings
£250.00
Matching sets (Buildings)
Optional
Frozen pipes Yes
Trace and access
£5,000.00
Underground pipes, cables and tanks
Covered as standard
Police Mutual

Home Insurance

Feature Value
Escape of water excess for buildings
£250.00
Matching sets (Buildings)
Optional
Frozen pipes Yes
Trace and access
£5,000.00
Underground pipes, cables and tanks
Covered as standard
Contents insurance

4 products reviewed

Police Mutual

Family Home Insurance (With Matching Sets)

Feature Value
Matching sets (contents) Yes
Theft from outbuildings
£5,000.00
Cover for items away from home
Optional
Money in the home
£500.00
Property owner liability
£2,000,000.00
Escape of water excess (minimum)
£250.00
Police Mutual

NARPO/Blue/Green/Family Home Insurance (With Matching Sets)

Feature Value
Matching sets (contents) Yes
Theft from outbuildings
£5,000.00
Cover for items away from home
Optional
Money in the home
£500.00
Property owner liability
£2,000,000.00
Escape of water excess (minimum)
£250.00
Police Mutual

NARPO/Blue/Green/Family Home Insurance

Feature Value
Matching sets (contents)
Optional
Theft from outbuildings
£5,000.00
Cover for items away from home
Optional
Money in the home
£500.00
Property owner liability
£2,000,000.00
Escape of water excess (minimum)
£250.00
Police Mutual

Home Insurance

Feature Value
Matching sets (contents)
Optional
Theft from outbuildings
£5,000.00
Cover for items away from home
Optional
Money in the home
£500.00
Property owner liability
£2,000,000.00
Escape of water excess (minimum)
£250.00
Home Legal Cover

1 product reviewed

Police Mutual

Family Legal And Identity Theft Protection

Feature Value
Limit of indemnity per claim
£50,000.00
Employment - employee Yes
Property damage Yes
Contract disputes - pursue Yes
Property disputes Yes
Standard advisors cost
N/A
Employment - excess
£0.00
Contract disputes - defend Yes
Data protection No
Jury service - maximum indemnity limit
£1,000.00

Motor Legal Cover

1 product reviewed

Police Mutual

Motor Legal Protection

Feature Value
Uninsured loss recovery Limit
£100,000.00
Personal Injury limit
£100,000.00
Motor Prosecution defence Limit
£50,000.00
Uninsured driver benefit No
Consumer Disputes Limit
£50,000.00
Database Disputes Limit
£0.00
Vehicle Cloning Limit
£0.00
Uninsured driver benefit (Minimum pay out)
£0.00

Private medical insurance

1 product reviewed

Police Mutual

Healthcare Scheme

Feature Value
Physiotherapy Yes
Video or telephone consultations with GP Yes
Radiotherapy No
Chemotherapy No