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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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®

UPDATED: Jan 14, 2021

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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 a business in England which provides insurance primarily for police officers called Police Mutual

The History of Police Mutual

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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The Products and Services of Police Mutual

Police Mutual offers much more than insurance policies. The company also provides its customers with savings opportunities, investment services, and mortgage services.

The insurance products offered by Police Mutual include:

Savings and investment opportunities include:

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

The people eligible for Police Mutual 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.

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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 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

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.

Other Companies 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 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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