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Group Insurance Package

Specifically tailored to Police officers and designed to protect you when you need it most. The Group Insurance Package Scheme represents excellent value for members by providing our full range of cover, including RAC motor breakdown plus critical illness insurance and all at a discounted price.

As you may be aware, in the Autumn statement 2016 the Chancellor announced a further increase in the standard rate Insurance Premium Tax (IPT). This increases the previous standard rate of 10% to 12% and is effective 1st June 2017.  Due to this, your monthly premiums to the Federation insurance schemes will increase >>> DETAILS HERE <<<

The Package includes the following:

Click on each cover above for further information on the cover provided.

Benefit levels and premium rates change on retirement. Cover ceases at age 70. Partner benefit levels depend on the age of the officer.  If you wish to join the scheme, please complete an application form available from the 'Documents' section on the right side of this page, and return it to us at Guardians House, 2111 Coventry Road, Sheldon, Birmingham, B26 3EA or email us at .

Group Insurance Package: Adding spouse/partner cover

You can also cover your spouse/partner on the scheme, which covers Life Assurance, Personal Accident Cover, RAC Breakdown Cover, Mobile phone/Gadget Insurance and Critical Illness cover for an additional £5.87 per month (£5.88 from June 2017).

Under normal joining conditions, members can insure a spouse within 3 months of marriage or a partner within 3 months after they have lived together for 6 months. If you fall within this criteria then simply fill out and return the Package with Partner Cover application form at the top of this page.

If you wish to insure your spouse/partner but do not fit the above criteria, the underwriters will accept spouse/partners at any time provided they meet the requirements of a health declaration. Under these circumstances simply fill out and return the Late Joiner Declaration form to add your spouse/partner to the scheme.

If your spouse/partner does not meet the requirements of the health declaration, and their health conditions are not likely to change, we will be unable to provide you with insurance. However, you can phone George Burrows on 01603 828 280, who will endeavour to arrange alternative insurance for you.


As of 1st July 2015, Serving police officers who have a partner that is also a West Midlands Serving Officer, may also extend the Spouse/Partner cover to include sickness (Regulation 28) insurance at a supplementary cost.  



RAC motor breakdown cover for personal cars and motorcycles is automatically included for all serving and retired members and their partners who subscribe to the GIS Life 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 are 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 right-hand side of this page (RAC Key Facts).

RAC have produced a document on Winter Driving Here 

For more information on this scheme, please contact the Federation Office on 0121 700 1200 and select option 2 for Group Insurance.



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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