Sussex Group Insurance Scheme

Philip Williams and Company are authorised and regulated by the Financial Conduct Authority. Philip Williams (G INS) Management Ltd is part of the Howden Group. Policy terms and conditions apply. Premiums correct for Police Staff member aged under 70 years from 1st April 2025 – 31st March 2026.

How to join

To join the Sussex Group Insurance Scheme, please click the button below and register. Once registered, log in and complete an application form.

Documents

How to make a claim

To make a claim, please click the button below to email the Sussex Federation office with brief details of the claim you would like to make. The admin team will then send the relevant claims form to you.

Additional Supplementary Insurance

As part of the Sussex Group Insurance Scheme, members receive £140,000 Life Insurance cover as standard with their subscription. For those who wish to enhance their cover, there is the option to ‘top up’ their Life Insurance by an additional £50,000 or £100,000.

Additional £50,000 - £5 per month

Additional £100,000 - £8 per month

Members also receive £10,000 Critical illness cover as standard with their subscription. Members who wish to enhance this cover, can top up by an additional £25,000 or £50,000.

Additional £25,000 - £9 per month

Additional £50,000 - £15 per month

Additional Supplementary payments are made directly to Philip Williams and you can apply online. Simply, visit Register - Philip Williams to register for an online account if you haven’t already. Once you have registered, log in and fill out a ‘Life & Critical Illness Supplementary Application Health Declaration’ form.

If you already have an account, click here to go direct to the log in page: - Group Schemes - Philip Williams.

Useful Contacts

Please scan the QR code to add all this information to your phone's wallet.

Sussex Police Federation office: - 01273 443681

Motor breakdown cover (Call Assist): - 

Call the 24 hour Control Centre on +44 (0)1206 771 716
If you are not able to connect, please call +44 (0)1603 327 180 

Worldwide Travel Insurance: - 

In the case of medical emergency please contact our nominated emergency service on
+44 (0)330 660 0548
Email: assistance@mstream.co.uk Please quote N63500AHA250
Other claims should be reported to the claims service on 0330 660 0549 (9am–5pm Mon–Fri)
Email: claims@mstream.co.uk
Alternatively, you can use their online claims system to submit your claim www.submitaclaim.co.uk/PF1SUS

Legal Cover: -

Legal and Tax Advice Helpline 01483 954 080
Legal Expenses claims 01483 954 089

Mobile Phone Cover: -

0344 412 0982

Philip Williams: -

01925 604 421

FAQ

1. How do I join the Group Insurance Scheme?
2. I am Police Staff; can I join the Group Insurance Scheme?
3. I am a Special Constable; can I join the Group Insurance Scheme?
4. I have been turned down for the Group Insurance Scheme, what can I do?
5. Can my partner join the Group Insurance Scheme?
6. How do I change my beneficiary?
7. Where can I find the Travel Insurance Policy?
8. Where can I find the Motor Breakdown Cover Policy?
9. I am taking a career break, can I continue with my Group Insurance Scheme subscription?
10. I am going on maternity / paternity / adoption leave, can I continue with the Group Insurance Scheme?
11. I am retiring under the Officer retention scheme, which is the best Group Insurance Scheme for me to move to?
12. I am on long term sick leave and am due to fall into half pay, can I claim on the Group Insurance Scheme?
13. Is physiotherapy available with the Group Insurance Scheme?
14. Does the travel insurance include Cruise cover?

1. How do I join the Group Insurance Scheme?

To join the Group Insurance Scheme, please follow this link and register. Once registered, log in and complete an application form.

2. I am Police Staff; can I join the Group Insurance Scheme?

Yes! Please follow this link and register. Once registered, log in and complete an application form.

3. I am a Special Constable; can I join the Group Insurance Scheme?

Yes! Please follow this link and register. Once registered, log in and complete an application form.

4. I have been turned down for the Group Insurance Scheme, what can I do?

If you have been turned down for the Group Insurance Scheme, you can still apply for our CORE scheme. The CORE scheme includes all the usual benefits excluding Life Insurance and critical illness cover. Please contact admin@sussex.polfed.org for an application form.

5. Can my partner join the Group Insurance Scheme?

Yes! If you are already a member of the Group Insurance Scheme and would like to amend your subscription to include your partner, please click this link to register (if you haven’t already done so). Once registered, you can log into your account and submit an application form. The same applies if you are a new member.

6. How do I change my beneficiary?

Officer only - Please fill out this form and send to admin@sussex.police.org

Officer and partner - Please fill out this form and send to admin@sussex.police.org

7. Where can I find the Travel Insurance Policy?

You can find the Travel Insurance Policy here.

8. Where can I find the Motor Breakdown Cover Policy?

You can find the Motor Breakdown Cover Policy here.

9. I am taking a career break; can I continue with my Group Insurance Scheme subscription?

Yes! HR will notify us of your career break and our admin team will send out a letter with all the information you need in order to continue your Group Insurance Scheme subscription. Please note, in order to continue with your GIS subscription, you will also need to continue your Federation membership. Whilst on a career break, you can continue your subscription for a maximum of 12 months before you must reapply and go through the underwriting process.

10. I am going on maternity / paternity / adoption leave, can I continue with the Group Insurance Scheme?
Yes! HR will notify us of your maternity / paternity / adoption leave and our admin team will send out a letter with all the information you need in order to continue your Group Insurance Scheme subscription. Please note, in order to continue with your GIS subscription, you will also need to continue your Federation membership.

11. I am retiring but returning as Police Staff, which is the best Group Insurance Scheme for me to move to?

As Police Staff are now able to join the Group Insurance Scheme, we recommend moving to a Police Staff subscription type rather than the Retired member subscription. Please contact admin@sussex.polfed.org for further information.

12. I am on long term sick leave and am due to fall into half pay, can I claim on the Group Insurance Scheme?

If a member of the Group Insurance Scheme suffers a pay cut under regulations or terms of employment, they are entitled to claim for 20% of gross salary if they fall into half pay (for up to 26 weeks), and 40% of gross salary if they fall into nil pay (for up to 26 weeks). The benefit ceases on return to work or if the member retires, resigns, is discharged from the police service, or fails to pay the monthly scheme subscription. In addition, the benefit shall not be payable if the member has been offered reasonable adjusted duties with a return to full pay and has declined such duties without reasonable cause. Please contact admin@sussex.polfed.org

13. Is physiotherapy included with the Group Insurance Scheme?

From 1st April 2025, Online physiotherapy will be available with GP24. For more information please click here

14. Does the travel insurance include cruise cover?

We can confirm the policy covers cruises, but it does not incorporate cruise-specific cover.

There is £10,000,000 in Emergency Medical expenses which includes repatriation and emergency evacuation – this is usually what cruise companies are looking for.

What members do not have is cover for situations such as missed port, skipped port, cabin confinement etc.

Please check with your cruise company as they usually only ask that you make sure you have the medical expenses, however, some have been requesting to ensure you have missed port as well which would require a top-up cover. A company which can do this is Voyager who can be contacted on 01483562662.