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Group Insurance Scheme

Group Insurance Scheme - changes from 1 April 2018

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

The Package includes the following:

*Policy limits and exclusions may apply, please see policy wording for full terms and conditions.

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 .

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.

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 £8.45 per month.

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 included for all serving and retired 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 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).

*Policy limits and exclusions may apply, please see policy wording for full terms and conditions.

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

Privacy Notice

George Burrows is the trading name of Arthur J. Gallagher Insurance Brokers Ltd (AJG). We are the data controller of any personal information you provide to us or personal information that has been provided to us by a third party. We collect and process information about you in order to arrange insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with third parties such as insurers, reinsurers, other brokers, claims handlers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators, police and government agencies or fraud prevention agencies.

We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at If you are providing personal data of another individual to us, you must tell them you are providing their information to us and show them a copy of this notice.




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