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Group Insurance Scheme

Any Group Insurance queries please call George Burrows direct on 01403 327 719, Monday to Friday, between 9am and 5pm.

The Group Insurance Scheme (GIS) incorporates Life Assurance, RAC Motor Breakdown cover, Personal Accident cover, Terminal Illness benefit, Child Death Grant and the 'Best Doctors' cover.

Further details can be found below, the application forms to join this scheme can be found in the 'Documents' section on the right hand side of this page.


Serving Officer     Pay out of £115,000 for death from any cause
Inc. Spouse         Pay out of £57,500 for death from any cause

Benefit levels and premium rates change on retirement. Life cover ceases at age 70. Partner benefit levels depend on the age of the officer. The benefit is payable to the named beneficiary(s) whom you have stated on your beneficiary card. The benefit can be shared between as many beneficiaries as you wish. If a child is named as a beneficiary, the option to place the benefit into a trust fund until they reach a specified age is available.

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 serving officer beneficiary form in the 'Documents' section on the right hand side of this page, just complete (you can type in the form before you print), sign and send back to the Federation office via email to or post back to us.

Optional: Additional Life Assurance cover

A top-up to your Life Assurance pay out is also available. Click here for details.



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 Summer Driving Here 


The Personal Accident scheme as part of the GIS offers cover for serving officers. Cover is available for loss of limbs, loss of hearing and eyes.

Cover is also available for Permanent Total Disablement if you are entirely incapable of working.

If you have been injured on or off duty, a benefit of £20.00 weekly is payable excluding the first 7 days. A hospitalisation benefit of £50 per night up to 7 nights, is also available if you are admitted to hospital immediately after being injured. Conditions apply.

Cover is also provided for unrecovered criminal court compensation. If, following an assault, compensation you have been awarded by a court has not been paid within 6 months from the date of the award, a benefit payment will be made to you.

A benefit is also payable for, firearm assault/stabbing assault/occupationally acquired HIV/AIDS/Hepatitis B.



Members of the GIS who are diagnosed with an advanced or rapidly progressing incurable disease, where they are expected to die within 12 months, may apply for an advance of 20% of the Life Assurance benefit. This would work out as the following:

Serving officer:    £115,000 cover 20% advance benefit
Partner:              £57,500 cover 20% advance benefit



Best Doctors will identify a world-leading specialist who will undertake an in-depth review of your original medical documentation, ensuring your diagnosis is accurate, and helping you understand the most appropriate treatment options available to you. See the Best Doctors cover: Member pack and Case study in the 'Documents' section on the right hand side of this page for further information.

Click here for details on Best Doctors Cover. 



This benefit is paid upon the death of a dependant child aged between six months and 17 years. £3000 cover.



Mobile phone/gadget insurance is provided for member and partner (if subscribing). Please see terms and conditions document for details on the Mobile Phone / Gadget Insurance page on this website, click here for more details. 

The list of Gadgets covered are: Mobile Phones, iPhones, iPads, Tablets, PDAs, MP3 Players, iPods, Satellite Navigation Systems, PSP's and other game consoles, Camera's, Camcorders, Personal Media Players and Laptops

Call 0203 794 9318 to make a claim



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 GIS 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 GIS partner cover (Late Joiner) application form.

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.


For more information on this scheme, please contact George Burrows direct on 01403 327 719, Monday to Friday, between 9am and 5pm.


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




T: 0.104538 s.