Police staff

The Group Insurance Police Staff Group Insurance Scheme is open to police staff, PCSOs and their partners and offers a range of insurance cover at competitive prices.

The package includes the following:

• Life assurance including terminal illness benefit and child death grant*
• Critical illness cover*
• RAC motor breakdown cover*
• Personal accident cover*
• 'Best Doctors' cover*
• GP Care on Demand
• Reduced pay sickness insurance*
• Worldwide family travel insurance*
• Legal expenses insurance*
• Mobile phone/gadget insurance* 
• Care First counselling service*

*Policy limits and exclusions may apply, please see policy wording for full terms and conditions.

Cover ceases at age 65.  Partner benefit levels depend on the age of the member.  

For details please download the booklet on the Group Insurance Scheme documents page police staff section.

The application forms to join this scheme can be found in the Group Insurance Scheme documents page police staff section.

If there is any change of circumstances it is vital you contact the Federation as soon as possible to check your beneficiary is up to date. Failure to do this can affect any claims.

You can download a police staff beneficiary nomination form on the Group Insurance Scheme documents page police staff section,  just complete (you can type in the form before you print), sign and send back to the Federation office via email to westmidlandspf@polfed.org or by post.

Partner cover

Partners may join the scheme at the same time as a new employee or within three months of either marrying or qualifying as an employee’s partner**. Partners who wish to join at any other time may do so provided they are able to satisfy the Health Declaration detailed in the application form on the the Group Insurance Scheme documents page police staff section.

Partner cover will cease immediately an employee leaves the scheme or when the employee or the partner attain age 65, whichever happens first.

**Definition of partner - partner means the person to whom the subscribing member is married or in a civil partnership  with or, if not, a person who is openly co-habiting with him or her and who has been so cohabiting for the six months period prior to the date of inclusion in the policy, and on whom such a member is financially interdependent.

ARC Legal Law Assistance scheme 

24-hour, 365 days per year claims and telephone helplines are below:

Personal tax and legal advice: 0344 770 1058

Stress and debt counselling: 0800 177 7894

RAC motor breakdown cover for police staff

RAC motor breakdown cover for personal cars and motorcycles is included for all police staff members and their partners who subscribe to the Group Insurance Scheme.

Cover is comprehensive: roadside, recovery, at home, onward travel and even European assistance are all included on a personal basis covering the member in any vehicle they are driving or a passenger in.

Partners will also be covered for RAC motor breakdown if the member is subscribing for spouse/partner life assurance benefits.

If you need to contact the RAC for breakdown assistance, please contact them on 

0330 159 0283 quoting reference X800.

Further information about the breakdown cover and telephone numbers are available on the Group Insurance Scheme documents page police staff section.

Stand alone travel insurance scheme (existing members)

Pre-existing medical conditions

All pre-existing medical conditions are covered as long as the person insured doesn’t meet the exclusions as shown below (there is no medical screening line for the Aviva policy):

This policy will not cover you for any claims arising from pre-existing medical conditions as set out below:
a) Any claims made under the cancellation, curtailment or change of itinerary and/or medical and emergency travel expenses section of this policy as a result of any pre-existing medical condition where a Qualified Medical Practitioner has not permitted the insured person to travel.
b) Any claims under the cancellation, curtailment or change of itinerary section of this policy as a result of any pre-existing medical condition where the insured person is on a waiting list for in-patient treatment.
c) Any claims made under the cancellation, curtailment or change of itinerary and/or medical and emergency travel expenses section of this policy where you are travelling for the purpose of obtaining medical treatment abroad.
d) Any claims made under the cancellation, curtailment or change of itinerary and/or medical and  emergency travel expenses section of this policy where you have been given a terminal prognosis.
e) Purchase of any prescription medicines relating to a pre-existing condition.
f) If an insured person or close relative has suffered a pre-existing medical condition that you could have reasonably foreseen would have given rise to a cancellation or curtailment or change of itinerary claim under the cancellation, curtailment or change of itinerary section of this policy.

West Midlands Police Federation is an Appointed Representative of Arthur J. Gallagher Insurance Brokers Limited, and George Burrows is a trading name of Arthur J. Gallagher Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow G2 7AT. Registered in Scotland. Company Number: SC108909

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