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Police Staff

The Group Insurance Police Staff Group Insurance scheme is open to police staff, PCSOs, Special Constables and their partners, and offers excellent insurance cover at very competitive prices.


The Package includes the following:


  • Life Assurance including Terminal Illness benefit and Child Death Grant
  • Critical Illness Cover
  • RAC Motor Breakdown cover
  • Personal Accident cover
  • 'Best Doctors' cover
  • Reduced Pay Sickness Insurance
  • Worldwide Family Travel Insurance


For details please download the booklet opposite.

You can apply to join this scheme up to age 64. Cover is provided until you reach the age of 70 as long as you are an employee of West Midlands Police and continue to subscribe to the scheme. Benefit levels and premiums change at age 65.  

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

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 Police Staff beneficiary nomination 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.


Partner means the person to whom the member of the associated policy is married or, if the member is not married, a person who is openly cohabiting with him or her and who has been so cohabiting for the six months’ period prior to the date of their inclusion in the policy, and on whom such a member is financially interdependent.

You must insure a spouse/partner when you (the serving member) join the force or within two months of marriage or in the case of partners you should have been living together for at least six months prior to them joining the scheme, and must join before you have lived together for 8 months. You must be living together at the time of making a claim.

If you are outside two months of marriage OR have lived together over 8 months then please use the late joiner cover form found in the 'Documents' section on the right hand side of this page.



Telephone helplines (24 hour)

Personal tax and legal advice: 0344 770 1058

Stress and debt counselling: 0800 177 7894



RAC motor breakdown cover for personal cars and motorcycles is included for all police staff 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 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 0577 quoting reference X806

For any other queries please contact George Burrows direct on 01403 327 719, Monday to Friday, between 9am and 5pm.


Further information about the breakdown cover and telephone numbers are available on the right-hand side of this page (RAC Key Facts & FAQs).



The Travel insurance is also available to police staff as a stand alone sheme.

Monthly Cost for Member (by age)

Up to 65     £5.18

65 - 70       £11.48

70 - 75       £15.21

Cover ceases at age 75.


The application forms to join this scheme & the policy booklet can be found in the 'Documents' section on the right hand side of this page.


Ageas travel insurance is available for extended family and friends. Click the box below for an instant quote:




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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