Wellbeing Guide from Police Mutual Lets Talk Protecting your finances – Dec 2025
We all want to make sure our family and belongings are protected, so ensuring you have the correct protection in place for your family is really important.
Home insurance
Whether you live in a first floor flat, a country cottage or a detached house, getting the right home insurance policy is essential. It may not be a legal requirement to insure your home, but it can pay out to cover huge costs caused by fire, theft and flood damage.
Home insurance is made up of:
Building insurance, which protects the bricks and mortar of your home, and fixtures like kitchen units against damage.
Contents insurance, which protects your personal belongings inside your home against loss, damage or theft.
You can buy these policies separately, or in a combined home insurance policy.
When you take out a mortgage most lenders insist you have a buildings insurance policy for the property you are buying.
For details of Police Mutual home insurance click here.
Police Mutual home insurance is provided by Bspoke Underwriting Ltd.
Car insurance
All car drivers need insurance in order to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle.
There are three types of vehicle insurance you can choose from:
Third party – this is the minimum cover required by law in the UK. It covers you against costs that arise as a result of injuries you cause to other people and damage to their vehicles and property.
Third party fire and theft – basic third party cover with added protection against your vehicle being stolen or damaged in a fire.
Fully Comprehensive – this is the highest level of cover available.
It may protect against:
• – injuries to other people and damage to their vehicles
• – your vehicle being damaged, stolen or destroyed in a fire
• – medical expenses and accidental damage
• – damage or theft of vehicle’s contents
When deciding which car insurance provider to choose, you need to look at many factors, including the price, cover provided, service before and after sale, service on a claim.
For more details on Police Mutual Car Insurance click here.
Specialist cover for Police Officers who drive on official police business or carry police kit (with social, commuting and business insurance), when selecting class 1 business cover.
We let you spread the annual cost into monthly payments at no extra cost to you.
Police Mutual car insurance is provided by ERS. Terms and Conditions apply.
Read more from the Protecting your Finances wellbeing guide HERE