Police Home Insurance | Get A Free Quote

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.

Contents

You need to think about all the things you have within your home and how much it would cost to replace them as new. 

We provide £75,000 contents cover as standard (including contents in outbuildings).

Buildings

You need to work out how much it would cost to rebuild your home. Consider things such as demolition costs, surveyor's fees and the actual cost to rebuild your home.

For buildings, contents and personal possessions claims call: 0345 2180429
Mon-Fri 8.00am-6.00pm
An out of hours service is available by calling the same telephone number.


For claims that are being made against you call: 0345 2180348
Mon-Fri 9.00am-5.00pm


For Home Emergency Cover claims call: 0333 000 7965

Buildings are the structure of your home, including outbuildings such as garages and sheds. They also include the permanent fixtures and fittings within these structures e.g. bathrooms and fitted kitchens.

You can add these to the personal possessions section of your Contents Insurance quote, which covers accidental loss, damage or theft of any of your personal belongings worldwide (such as jewellery items, cameras and mobile phones).

The minimum cover we offer is £2,000 (no single item worth more than £2,000). However, if you have a single items worth more than this amount, then this will be covered if it is specified on your policy at an extra cost, which can be done when you get a quote.

Contents are the items you use to furnish your home, such as carpets and furniture, also including all your personal belongings e.g. jewellery and clothing.

Valuables mean:

• Stamp, coin or medal collections
• Pictures
• Other works of art
• Items of gold, silver or any other precious metal
• Jewellery
• Furs

If you need to make a change, such as a change of address 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.

If you need to cancel your policy, just call our UK-based helpline and we'll be happy to help.

Please note, if you cancel your Police Mutual insurance policy within 14 days of receiving your policy documents, you’ll only be charged for the period of time you’ve been covered. If you cancel the policy more than 14 days after receiving your policy documents, you’ll be charged for the period of time you've been covered plus we’ll charge a £40 administration fee for cancelling the policy.

Call us on 0151 242 7640 Mon-Fri 9.00am-5.00pm.

This policy insures against the main perils such as  fire, theft and escape of water as standard.

We also automatically include accidental damage, with Contents Insurance, which covers damage to televisions, computers, stereos, mirrors, and accidental loss of heating fuel or metered water (up to £5,000).

We also automatically include accidental damage, with Buildings Insurance, which covers damage to sanitary fixtures, underground pipes and cables and fixed glass.

Extended accidental damage can be added to your policy, at an extra cost, under both Buildings and Contents Insurance to cover any damage that may be caused by you or your family, including examples such as putting a nail in a wall and bursting a pipe, or spilling wine or paint on your carpet.

You have the option to upgrade your cover to ensure that if part of a pair, set or suite is damaged, lost or stolen, the cost of replacing any undamaged items if they cannot be matched will be paid. Under the buildings section this would cover your bathroom and kitchen. The contents section will include items such as a 3-piece suite or dining room furniture.

You can pay for your policy either annually by card, or monthly (via Direct Debit) and, unlike many other insurers, if you choose monthly, we won't charge you extra on top of your normal annual premium.

If this policy doesn’t meet your requirements, our team will be happy to discuss your needs. Please call us on 0151 242 7640 Mon-Fri 9.00am-5.00pm.

Home Emergency Cover provides immediate assistance for a number of domestic emergencies.

Cover is provided 24 hours a day, 365 days a year and will pay up to £500 for parts, materials and labour charges. Emergency situations that may arise include the breakdown of the main heating supply, plumbing and drainage problems, loss of domestic power supply and roof damage.

If you'd like to make a claim against your Home Emergency Cover, please call 0333 000 7965, this is open 24 hours a day, 365 days a week and is provided by ARAG plc.

Family Legal Protection helps protect you and your family should you need to pursue or defend your legal rights. It’s designed to help in a number of situations including:

• The sale or purchase of goods and services
• If your identity is used by another person to commit fraud or other crimes
• If you have an employment dispute such as a claim for unfair dismissal or redundancy or if, during the course of your employment, a criminal charge is or could be brought against you
• Pursuing a claim for death or injury against a negligent third party
• Disputes with your neighbours regarding a boundary dispute, noise or other legal nuisance

Please note: The cost of legal cover will be included within the quote if the option is selected.