Straightforward protection for your car

  • Unlike some insurance policies, you can spread the annual cost into monthly payments at no extra cost, letting you budget over the long term
  • Don't wait for your renewal date - switch today and you'll receive cancellation fees up to the value of £125 that might be charged by your existing insurer

  • Policy offers extra protection for serving Officers commuting or carrying Police Kit, when selecting class 1 business cover
  • Things change. That's why we won't penalise you with administration charges if you need to fine-tune your policy mid-term (PMGI Ltd may make a charge for policy cancellation).

10% discount

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 The discount can be withdrawn at any time and is provided by ERS.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. 

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 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.
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.
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Taken out a policy on or before 31 December 2023?
If you took out a policy on or before 31 December 2023?, click here to view all the key Car Insurance documents.