Cover designed with retired Police Officers in mind

  • 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

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 The discount can be withdrawn at any time and is provided by ERS.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, when you've had 4 years claim-free driving with us
  • Temporary hire car following an accident or theft to keep you on the road
  • European cover for up to 180 days per trip, for more relaxing holidays

What’s not included

  • Cover for:
  • Theft if your car has been left unlocked, or with the keys in or on the vehicle
  • Theft if your car has been left with the windows open
  • Certain import, classic or modified vehicles
  • Vehicles used solely for business purposes
  • Mechanical failure, or wear and tear
Terms & Conditions apply, please check the Car Insurance documents below for more 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.
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.