Cover designed with retired Police Officers in mind
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Car insurance (provided by ERS) to keep NARPO members on the road in the UK and Europe
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Unlike some insurance policies, NARPO members can spread the annual cost into monthly payments at no extra cost, letting you budget over the long term.
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Things change. That’s why we won’t penalise you with charges if you need to fine-tune your policy mid-term.
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You don't have to wait for your renewal date - switch today and you'll receive cancellation fees up to the value of £125 if your existing insurer charges for cancellation
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Fast, friendly service from our UK-based helpline
Buy online and get a 10% discount
The 10% discount is available online only. It is applied to the basic premium when you buy a new car insurance policy. It is not available on optional extras and minimum premiums apply. The discount will be automatically applied to your quote. The discount can be withdrawn at any time and is provided by ERS.
What’s included
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Police Mutual provides:
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Pay monthly, at no extra cost
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Switch at any time, with cancellation fees of up to £125 paid, when you switch to us
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Cover for:
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Uninsured driver cover to keep your No Claims Discount safe
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5 year guarantee on repairs when your repair is carried out by a recommended repairer
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Lifetime No Claims Discount, when you've had 4 years claim-free driving with us
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Temporary hire car following an accident or theft to keep you on the road
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European cover for up to 180 days per trip, for more relaxing holidays
What’s not included
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Cover for:
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Theft if your car has been left unlocked, or with the keys in or on the vehicle
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Theft if your car has been left with the windows open
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Certain import, classic or modified vehicles
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Vehicles used solely for business purposes
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Mechanical failure, or wear and tear
Policy restrictions and exclusions can apply, please see the policy wording for more information.
NARPO Car Insurance is provided by ERS, and is arranged and administered by PMGI Limited trading as Police Mutual.
For more details, please see our legal page.
Car Insurance documents
Need to claim?
If you need to claim on an ERS policy taken out on or after 1 January 2024, please call 0330 123 5992. Lines are open 24 hours a day, 365 days a year.
Useful Tools
Your Car Insurance questions answered
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Yes. Our NARPO car insurance can be purchased both online or on the phone. If you want to buy online, simply click on the ‘Get a quote’ button. If you want to speak to one of our specialist Liverpool-based NARPO team members call 0151 242 7645.
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You can pay your premiums monthly by Direct Debit if you want to. Unlike many other insurers, we won't charge you extra on top of your normal yearly premium.
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Call our claims notification and helpline: 0330 123 5992.
Lines are open 24 hours a day, 365 days a year.
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If you need to make a change, such as a change of car or requiring a new level of cover, just call our UK-based helpline and we'll be happy to help. If there’s a change in your premium, we'll let you know.
Call us on 0151 242 7645 Mon- Fri 9.00am-5.00pm.
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If you need to cancel your policy, just call our UK-based helpline.
Please note, if you cancel your cover and haven't made a claim, we will refund the proportional (pro-rata) amount of the premium which applies to the remaining period of insurance, less a minimum premium of £28 (including insurance premium tax) where applicable.
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You get a temporary hire car following an accident or theft. Please refer to the policy documents for more information. Subject to availability.
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Please call us to discuss this further on 0151 242 7645.
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Please call us to discuss this further on 0151 242 7645.
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Please call us to discuss this further on 0151 242 7645.
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Cover will be provided for anyone named on the Certificate of Motor Insurance to drive your car, as long as they’re driving the car with your permission.
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There is no limit on the number of trips you make in any period of insurance but each trip must be for no more than 180 days. If additional cover is required please call us on 0151 242 7645.
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Please call us to discuss this further on 0151 242 7645.
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A No Claims Discount represents the number of years you’ve held a policy without making a claim or having a claim made against you.
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Policy excess is the part of a claim that you agree to pay - the car insurance covers you for the remaining amount.
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If you buy your policy online or over the phone, immediate cover is available.
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Please call us to discuss this further on 0151 242 7645.
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No.
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No, windscreen claims do not affect your No Claims Discount.
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No, you only need to pay the excess towards your own repairs.
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Depending on the level of car insurance cover you’ve chosen, you may be able to drive other cars at Third Party cover (with the owner's permission). You’ll need to check this on your insurance policy documents.
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When you take your car abroad the cover you have is shown on your insurance certificate so you must always take this with you.
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Yes, if you have a child car seat in your car and your car is involved in an accident that results in impact damage to your car, the child seat will be replaced with a new one of the same quality, even if it doesn’t appear to be damaged.
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Accidental damage is covered on comprehensive policies. This covers you for damage to your car as well as the third party's vehicle after an accident.
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If you want to add another driver to your existing policy, please call us on 0151 242 7645. You’ll need the following information about the other driver:
Their name;
Date of birth;
Occupation;
Driving licence details; andTheir driving experience (such as any previous claims or motoring convictions).
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No, factory fitted options are not classed as modifications. A modification is anything made after the car leaves the factory that alters the standard specification or the appearance of the car. The fittings should be declared as part of the overall value of the vehicle.
Taken out a policy on or before 31 December 2023?
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