Police Staff
The Group Insurance Police Staff Group Insurance scheme is open to police staff, PCSOs, Special Constables 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*
- Reduced Pay Sickness Insurance*
- Worldwide Family Travel Insurance*
- Legal Expenses Insurance*
- Mobile Phone / Gadget Insurance* From April 2020
- Care First Counselling Service*
*Policy limits and exclusions may apply, please see policy wording for full terms and conditions.
Please note that the new additional benefit: Care on Demand is not currently available for Police Staff.
For details please download the booklet on the 'Group Insurance Scheme Documents' page Police Staff section.
You can apply to join this scheme up to age 64. Cover is provided until you reach the age of 70 as long as you are an employee of West Midlands Police and continue to subscribe to the scheme.
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 post back to us.
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 70, 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 cohabiting 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 or 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 0577 quoting reference X806.
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
The Travel insurance is also available to police staff as a stand alone scheme.
| Age | Monthly Cost |
| Up to 65 | £5.19 |
| 65 - 70 | £11.51 |
| 70 - 75 | £15.23 |
| Cover ceases at age 75 | |
The application forms to join this scheme & the policy booklet can be found on the 'Group Insurance Scheme Documents' page Police Staff section.
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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