Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which govern Police Mutual's relationship with you in relation to this website. If you do not agree with these terms of use or any part of these terms of use, you must not use our website.

Also see terms of use for My Account and our social media and moderation policy.

The term "Police Mutual" or "us" or "we" refers to the owner of the website whose registered office is Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. The term "you" refers to the user or viewer of our website.

1. Licence to use website

1.1 Unless otherwise stated, the copyright, trademarks, graphics, photographic images, domain names and other intellectual property rights in all materials and information on this site belong to us or (if it has been licensed to us) to the licensor.
1.2 You may view, download and print pages from the website for your own personal use, subject to the restrictions set out below:
1.3 You must not:
(a) republish material from this website (including republication on another website);
(b) sell, rent or sub-license material from the website;
(c) reproduce, duplicate, copy or otherwise exploit material on our website for a commercial purpose; or
(d) edit or otherwise modify any material on the website.

2. Acceptable Use

2.1 You agree to use this site only for lawful purposes, and in a manner which does not infringe the rights, or restrict, or inhibit the use and enjoyment of the site by any third party.
2.2 You may print individual pages, store individual pages electronically on disk, or display individual pages on a computer or mobile device for your personal and non-commercial use. You may not store the content of this site on a server (or any other storage device connected to a network), reproduce, copy, distribute, disseminate or modify the content of this site, or use the content of this site for any commercial, illegal or immoral purposes.
2.3 You must not use our website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
2.4 You must not use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse or other malicious computer software.
2.5 You may not create a link to this website from another website or document without Police Mutual's prior written consent.

3. User Content

3.1 Any communication or material that you transmit to, or post on, any public area of the site including any data, questions, comments, suggestions, or the like, is , and will be treated as, non-confidential and non-proprietary information.
3.2 You warrant and represent that your content will comply with these Terms of Use.
3.3 We reserve the right to edit or remove any material submitted to our website, or stored on our servers, or hosted or published upon our website.

4. Warranties

4.1 We do not warrant the completeness or accuracy of the information published on this website; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.
4.2 All the products, services and policies described on the site are subject to availability and may be withdrawn or amended without notice.

5. Limitation of Liability

5.1 Nothing in these Terms of Use will: (a) limit or exclude our or your liability for death or personal injury resulting from negligence; (b) limit or exclude our or your liability for fraud or fraudulent misrepresentation; (c) limit any of our or your liabilities in any way that is not permitted under applicable law; or (d) exclude any of our or your liabilities that may not be excluded under applicable law.
5.2 This site and the information, names, images, pictures, logos regarding or relating to us are provided "as is" without any representation or endorsement made and without warranty or guarantee of any kind whether express or implied. You acknowledge that we expressly exclude liability for any damages including, without limitation, indirect or consequential damages, or any damages whatsoever arising from the use or in connection with such use or loss of use of the site, whether in contract or negligence to the fullest extent permitted by law.
5.3 We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.
5.4 You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including, without limitation, legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these Terms of Use.

6. Third Parties

6.1 We take no responsibility for the content of external sites. Other websites that we link to are owned and operated by third parties and we have no control over them. The fact that we include links to other sites does not mean that we approve of or endorse any other third party or the content of that site. We accept no liability for any statements, information, products or services that are published on or are accessible through any site owned or operated by a third party.
6.2 These Terms of Use are for the benefit of you and us, and are not intended to benefit any third party or be enforceable by any third party. The exercise of our and your rights in relation to these Terms of Use is not subject to the consent of any third party.

7. Variation

We reserve the right to change these Terms of Use at any time by posting changes online. Your continued use of the site after changes are posted constitutes your acceptance of this agreement as modified.

8. General

8.1 We may from time to time run special promotions on our site. These will be subject to their own terms and conditions which will be made available at the time.
8.2 Police Mutual is a UK financial services organisation and this site is for the information of UK, Channel Islands and Isle of Mann residents only.

9. Law and Jurisdiction

These Terms of Use shall be governed and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the Courts of England and Wales.

10. Our Details

10.1 The full name of our company is Police Mutual Assurance Society Limited.
10.2 Our registered address is Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS.

Police Mutual - My Account Terms of Use

The following conditions are in addition to the Terms of Use for the website:

Accessing My Account

You must sign up, providing a valid email address, member number and password to use our My Account services. By completing the sign up process you are authorising us to carry out all the instructions you have given us on the site.

We will do our best to ensure that the Service is available 24 hours a day. However we will not be liable if, for any reason, the Service is unavailable at any time or for any period


You will only be allowed to use the full My Account services if you sign in with your email address and password you created at sign up. Do not share your password with anyone else, including Police Mutual staff. We will never ask you for your password by phone, email or mail. Keep your password safe and do not write it down. If you believe that your account has been compromised you can change your email, password and security questions by signing in.

By signing up to use My Account services, you accept full responsibility for all activities conducted under your account and password.

Once you are signed in we will assume that we are dealing with you and that you have agreed to us disclosing information or acting on your instructions without obtaining further confirmation from you. You are responsible for ensuring that your instructions are correct.

See our security policy for more information.

Contacting you

You must give us a valid and up-to-date email address. If you change your email address, you should let us know immediately in the Profile Management section of your online services account.

Disabling online accounts

We retain the right to disable access to any element of our My Account site without prior notification and without provision of reasons why. We retain the right to delete or remove online accounts where we deem them to have been misused, dormant or invalid for a period of time.

If we close or delete your online account, and you wish to continue using the service, you can ask us to reinstate the account at any time.

Supported browsers

Our My Account services site is designed to work with all major internet browsers. We have designed the website for and tested it with:

Microsoft Internet Explorer - version 9 and higher

Mozilla Firefox


Google Chrome

If you do not use one of the above browsers, you may experience problems when viewing the site and some aspects of the My Account services may not work correctly.