Auto Insurance Discounts for Police Officers

Most car insurance companies do not offer police officer car insurance discounts. However, Police Mutual offers specialized insurance for police officers and their families.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 4, 2022

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Here's what you need to know...

  • The majority of car insurance companies do not offer a special discount for law enforcement officers
  • Additionally, car insurance companies that insure fleets of law enforcement vehicles tend to offer a specialized discount to the municipality that owns the cars
  • However, there is an auto insurance company in England which provides insurance primarily for police officers called Police Mutual, and it offers more than just law enforcement auto insurance

When was Police Mutual established?

Potential customers looking for a reputable insurance carrier will be impressed by the company’s history.  For more than 90 years, Police Mutual has been offering special insurance and banking services to police officers.

The Police Mutual Assurance Association, the first fraternal police organization that is ultimately responsible for Police Mutual, was founded in 1866. In 1922, the Police Mutual Assurance Association became the Police Mutual Assurance Society, and the Police Mutual company was started.

Within 40 years, Police Mutual amassed more than ten million British pounds in assets.

In 1997, civilian police became eligible to take advantage of Police Mutual services. Police Mutual began offering investment products in 1998, home insurance in 2002, car insurance in 2004, and specialized investment funds in 2005.

In 2003, Police Mutual extended services and benefits to the extended family of police officers.

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What are the products and services that Police Mutual offers?

Police Mutual offers much more than basic auto insurance policies. The company also provides its customers with special savings opportunities, investment services, and mortgage services. Unlike most major insurance companies, Police Mutual supplies exclusive and additional discounts for law enforcement personnel. The company also features several special types of coverage and insurance isn’t limited to only active police officers. To learn about what discounts for law enforcement personnel the company offers, you should speak with an insurance agent.

The forms of insurance for police officers offered by this provider includes comprehensive coverage in:

  • Personal vehicles insurance policy (car insurance, motorcycle insurance)
  • Home insurance
  • Life insurance
  • Mortgage insurance policy

Savings and investment opportunities include additional benefits:

  • ISA savings accounts
  • Regular savings accounts
  • Stakeholder pensions
  • Children’s bonds
  • Child trust funds
  • Guaranteed investment bonds
  • Online cash accounts

The people eligible for a Police Mutual insurance policy, or any other products and services include current and retired police officers, civilians that work for the police department, and the immediate and extended family of a law enforcement officer.

Police Mutual also likes to help its clients plan their futures. They offer financial education, sponsorship, and money coaching. Police Mutual prioritizes customer accessibility with free resources and discount programs to help reduce the average cost you will pay, allowing for customers to save more money on auto insurance while having additional coverage.

A good financial education is critical when it comes to long-term financial success. It is not enough to have money if you do not know how to use it properly and to your advantage.

Money coaching is one of the specialized programs and a free service that Police Mutual offers to its members; it is an extension of financial education.

This service helps the company’s members to identify what financial troubles they have and the best ways to solve them. Some of the financial advice that Police Mutual offers its members includes information on the following areas:

  • Pensions
  • Investments
  • Life and health insurance
  • Retirement planning
  • Equity release schemes
  • Mortgages
  • Long-term care
  • Planning a second career after retiring as a police officer

Police Mutual makes it a point to support police-related charities whenever possible and chooses one cause to sponsor every year. Police Mutual realizes that, by supporting the causes, it is in the long run supporting its members.

Police Mutual also likes to contribute to events that celebrate the hard work and sacrifice that police officers make every day. It’s not just affordable home and auto insurance coverage that you receive with Police Mutual, you also get people invested in the long term preservation of your financial wellness.

What other companies are associated with Police Mutual?

Police Mutual can provide many excellent services to police and their families because of other businesses they are associated with. Some of these businesses include the Association of Financial Mutuals and the Association of British Insurers.

Both of these associations are trade organizations.

The Association of Financial Mutuals is a trade organization that is a representative of financial mutuals, mutual insurers, and other societies. This team manages assets of more than 80 million British Pounds and represents almost 20 million clients. There are more than 50 businesses that make up this association.

The Association of British Insurers is made up of over 400 members and represents the interest of the insurance industry in the British government. This organization works hard to ensure that the insurance industry as a whole provides high-quality products and exceptional service to its customers.

As a way to make sure it is still offering the best services to its members and providing the best customer service, Police Mutual conducts a yearly review of its own services.

Learning more about insurance companies in the United States is easy by going to the National Association of Insurance Commissioner’s website.

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