We proudly serve those who serve our community

Improving the lives of the Police family is what Police Mutual are all about.  The company has been able to put in place a wide range of initiatives, services, and support to make a positive difference to the lives of serving and retired Police Officers and Staff.

We offer a range of products and services that are only available to Police Officers, Staff, their families, and the wider Police family. So whether you’re interested in saving for a rainy day, or want quality insurance cover – we’re here for you.

You can find out more by visiting www.policemutual.co.uk

PMGI Limited trading as Police Mutual is authorised and regulated by the Financial Conduct Authority.  The firm is on the Financial Services Register, registration number 114942. Registered in England and Wales number 1073408. 

Registered office: Brookfield Court, Selby Road, Leeds, LS25 1NB.

Humberside Police Federation is working in conjunction with The Tax Refund Company to offer you the opportunity to receive a professional tax code review. Experts will check the tax you’ve paid in the last four years and help you get your money back from HMRC if you’ve paid too much.

You may be entitled to a tax refund

If you pay tax, there’s a fairly high chance you’ve paid too much.

As a member of Humberside Police Federation, you are eligible to have your tax code checked by professional tax experts at The Tax Refund Company.

Hundreds of members have already had a refund after using this service. Very few members think they are owed a refund before they use this service. Most of those getting a refund are pleasantly surprised when a cheque arrives in the post.

The main points to note are…

• Your review is free if you do not get a tax refund
• For every £1 paid back by HMRC, you keep 62p (minimum fee £38*)
• You will keep 100% of any refund for current and future years.
• Peace of mind guaranteed – in the rare event you get an unexpected tax bill as a direct result of using this service, it will be paid for you**
• Humberside Police Federation members using this service previously have received an average refund of £180.23 each.

You should not assume HMRC will send you a refund if you have overpaid tax. They won’t. It is up to you to check if you have paid too much tax and claim it back if you have.

To have your tax codes checked and see if you are due a tax refund click here

This is your hard-earned money. Why let The Revenue keep it?

* You only pay a fee if you get a refund from HMRC. If you get back less than £38, the minimum fee will be reduced to the same value as your refund, so you have nothing else to pay.

**T&Cs apply

Any Questions?

Please visit their comprehensive FAQ page or call The Tax Refund Company

Customer Service Team on 0161 968 7345 (Mon–Fri 9am – 5pm)

A convenient place for coppers to save their coppers

Our aim is to build a community bank for the Police Family to regularly save, affordably borrow and increase financial education.

Keep your finances in check with our Member Account. No charges, no fuss! Exclusively for the police family, saving with us is as reassuring as a cuppa after a long shift. Here’s why you’ll love saving with us:

• Start saving from just £5 a month
• Save and repay direct from payroll
• Withdraw anytime without penalties

Once you’re a member of No1 CopperPot Credit Union you are welcome to apply for loans and mortgages. Whether you’re looking to finance your new car or need help when your boiler unexpectedly breaks down, our Member Loan could help you. Or you may want to consider ways to readjust your existing debts and read more about our Consolidation Loan.

Visit our website to read more: www.no1copperpot.com

Missed loan repayments could have a negative impact on your credit file.

All loans are subject to affordability and our lending criteria.

National Rewards Scheme for all members of the Police, with numerous offers from supermarkets, restaurants, and high street retailers.  Free to sign up, initially please use work email address for verification purposes and this will then be deleted once completed.  Optional fee (£5) for Premium Rewards, which will open further offers.  Sign up now at www.rewardsforpolice.co.uk Premium offers can be used on top of all existing offers to the Police.

Loveholidays offer a discount to the police family as part of the Blue Light Discount.

Get up to 5% off with Virgin Holidays

Police Insure offers a range of insurance products for the police family including motor, travel and landlord insurance.

Humberside Police Federation is now offering members the chance to sign up to the National Police Healthcare Scheme which is run in conjunction with a number of Federation branches within the region to offer affordable healthcare to not only police officers but also to police staff.

Serving police officers subscribing to the scheme receive free membership of the Police Treatment Centres (PTC).

Retired officers can remain within the scheme but have to have joined during their police service, however they do not receive free membership to the PTC.

The National Police Healthcare Scheme - established in 1989 - is a self-financing scheme set up under a Trust Deed to provide private medical advice and treatment to subscribing members and their dependants.

Its main aim is to make the advantages of private medical care available to members at a reasonable cost.

The scheme also includes an alternative cash benefit for NHS treatment (currently £100 a night or £100 for day case surgery). All benefits are payable at the trustees' discretion. Please note that the cash benefit does not apply to members admitted to an NHS hospital as an emergency admission.

Subscription rates

Details of the current subscription rates can be found here.

It also offers competitive rates for retired officers. Please contact the Federation office for full details.

• Any member wishing to make a claim under the scheme must initially obtain a claim form from the Northumbria Federation Office - telephone 0191 4373763 - before seeing their GP.
• At the consultation, any necessary diagnostic tests only can be carried out.
• Any procedures proposed by the consultant following the diagnostic tests must be referred to The Northern Police Healthcare Scheme for prior approval.
• Please note that a £50 excess payment is required for any new claim and must be submitted when returning the GP referral form.

Payment can be made by cheque, payable to National Police Healthcare Scheme, or by bank transfer (details of which can be obtained by telephoning 0191 4373763).

Contact details for the administrator:

Michelle Glover and Louise Foley
Scheme Administrators
Northumbria Police Federation
11-14 Apex Business Village
Annitsford
Cramlington
Northumberland NE23 7BF
Tel: 0191 437 3000, Fax: 0191 250 2961

Email: healthcare@npf.polfed.org

Application Form Police Officer 

Police Mutual Healthcare Scheme

The Healthcare Scheme is a discretionary scheme set up for members of the Police family to help with the cost of private medical treatment when you need it, in the event of an illness. It allows you access to treatment at a range of private UK hospitals and facilities including those provided by Nuffield, Spire and Circle Health Group, and can reduce time spent waiting for diagnosis or necessary medical procedures.

Receive a 50% discount off the main members subscriptions for the first 12 months*

*T&Cs apply. Available to UK residents aged 18 to 65. You must be eligible for Police Mutual products. The offer is only open to customers who are new members of the PMHC scheme and who have not benefitted from a PMHC offer previously. For full details or to apply visit click here

Healthcare is a discretionary scheme and is not an insurance product. This product is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority and therefore is not covered by the Financial Ombudsman Service or the Financial Services Compensation Scheme.

PHMC Limited, trading as Police Mutual, is registered in England and Wales No. 03018474. Registered office: 80 Fenchurch Street, London, EC3M 4BY.

Legal support for Police Federation members from Slater and Gordon

At Slater and Gordon, we provide a suite of tailored legal services to officers both on and off-duty. We’re specialists in Police Federation legal advice and understand the intricacies of police work. So, whenever you need us, we’re ready to help.

Our lawyers have been supporting Police Federation members for over 60 years

Our experience working with the police community is exceptional, with our lawyers having supported Police Federation members for more than six decades.

This level of experience provides us with a comprehensive understanding of the many challenges police officers face in their admirable work, and in turn how best to support. We’re ready to help, whenever you need us, so that you can focus on the important job at hand.

Did you know that no-fault divorces were introduced on 6 April 2022?

What is no-fault divorce?

No-fault divorce means that separating spouses no longer need to assign blame in order to be granted a divorce.

Under the previous divorce law, a petitioner had to rely on one of five facts (two of which were fault-based) to prove the irretrievable breakdown of the marriage:

The no-fault divorce legislation has changed this, abolishing the five facts and simply replacing them with a statement of irretrievable breakdown. No evidence is needed to support this.

Matrimonial Finances/Children Matters

Our team can also advise on the matrimonial finances, including Police pensions and matters where you are struggling to reach an agreement with your ex-partner regarding your children. This can range from the day to day living arrangements, to which school they attend or even whether they should be allowed to go on a certain holiday.

We deal with all manner of disputes regarding children and would welcome the opportunity to discuss any issues you are encountering.

Slater and Gordon, Your family law experts

Our specialist team of family solicitors are available to support you through a variety of family law issues, including divorce and separation, financial and child arrangements, cohabitation agreements and prenuptial agreements.

We offer initial family law advice, ensuring you understand your legal options and can choose your next steps with confidence.

Your family law specialist Georgina Chase and the team would welcome the opportunity to discuss any issues you are encountering.

Police Federation members can access a free 45-minute initial consultation, and benefit from an applicant fixed-fee no fault divorce for an exclusive discounted price of only £420 (incl. VAT), plus court fee.

To book your appointment with Georgina and the team at your convenience please contact:

 Georgina.Chase@slatergordon.uk

Direct Dial: 0330 995 5261

How we can support you

Our lawyers will have an initial discussion with you to ensure they understand your situation fully, enabling them to provide the very best advice possible. They’ll then talk you through your options, avoiding unnecessary jargon and clearly outlining the steps ahead.

We can help with:

• Personal injury claims- on or off duty, for you or your family
• Employment law
• Police pensions
• Family law
• Wills, trusts and estates
• Residential conveyancing

A full-service law firm working nationally supporting the Police Federation and Armed Forces with a free initial consultation up to an hour with a national working Family Lawyer. The hourly rate is then discounted thereafter and discussed at the initial consultation.

Knights is a unique legal and professional services business with 1,000 plus professionals delivering high-quality services to over 10,0000 clients from 26 office locations across the UK and who continue to increase our geographical coverage.

Terina is the point of contact for any of your personal and business legal matters, referring onto the correct specialist lawyer. 

As an experienced Family Lawyer working nationally specialising in divorce law, matrimonial financial remedy, private Children Act matters, pre and post nuptial agreements, co-habitation agreements, separation agreements, civil partnerships, Trusts of Land and Appointment of Trustees Act 1996, (advice up to Court), and is a member of Resolution. Initially called to the Bar of England and Wales as a Barrister, having obtained two scholarships, the Sir Thomas More from Lincoln’s Inn, and the Director of BPP Law. Terina worked for Humberside Police within the legal services unit and covert authority bureau before being asked to work in private practice.

Terina specialises in private family matters, ensuring continuity, establishing a relaxed and friendly relationship whilst maintaining a professional approach and with the necessary advocacy experience to represent her clients at court. Terina will endeavour to reach a negotiated settlement to avoid often unnecessary and costly court proceedings, striving to achieve the best possible outcome given each individual client’s case.

During her career to date, Terina has provided support to the National Police Federation, the National Association for Retired Police Officers (NARPO), Armed Forces personal and their families and veterans, with her ethos being that ‘we should give back to those who give so much to society.’  Terina has provided this support nationally with free legal clinics, out of hours calls, attending and promoting Family Days, Armed Forces Days, Wellbeing fairs and providing legal assistance nationally from East Yorkshire and Lincolnshire, Manchester and the north-west to the south and southwest.

Need assistance?

Please do not hesitate to contact Terina on:

Terina.kiss@knightsplc.com

Mobile: 07983801269

Accord are fully committed to assisting POLFED members and their families with their Estate planning needs.  Accord are continuing to offer a Free of charge Will writing service to all POLFED members and their immediate family throughout 2023/24.

Accord are experts in all areas of estate planning including, Wills, Protective Trusts, Lasting Power of Attorney, Court of Protection, Care fee and Inheritance Tax Planning.  They can help you take control of what happens to your estates when you pass rather than put your beneficiary’s inheritance at risk.

Appointments are conducted by telephone, Skype, Zoom or home visit.  The appointments usually take around half an hour on average. Once instructions have been taken, they are sent to our legal team, comprised of lawyers and STEP qualified staff that will draft the Will. All of our Wills are created on an advised basis – every consultation is bespoke and every Will drafted accordingly.  Our consultants can also provide advice on a number of other estate planning services, including tax, Lasting Powers of Attorney, trust services and probate should anyone require further specialist advice.

As well as the above Accord are offering free practical bereavement advice following the passing of a loved one.  They would be happy to help you with next steps following a bereavement.

To book an appointment please email info@accordwills.co.uk and their booking team will be in touch to arrange.

Enjoy your exclusive Police discounts with Motor Source Group!

See a selection of cars for September deals, or for the full range of makes and models, please use the link. https://police.motorsourcegroup.com/?partner=humbersidepf

See your November offers by Motor Source Group!

Omoda 5 1.6 Tgdi Comfort 5dr 7dct

MSG Price: £21,035.00

SAVE: £4,200.00

https://police.motorsourcegroup.com/new-cars/omoda/5/5-estate-1-6-tgdi-comfort-5dr-7dct_104106?partner=humbersidepf

Skoda Octavia Estate 1.5 TSI E-tec SE Technology 5dr DSG

MSG Price: £25,559.40

SAVE: £4,245.60

https://police.motorsourcegroup.com/new-cars/skoda/octavia/octavia-estate-1-5-tsi-e-tec-se-technology-5dr-dsg_105283?partner=humbersidepf

Cupra Born 150kw V3 58kwh 5dr Auto

MSG Price: £29,988.80

SAVE: £8,221.20

https://police.motorsourcegroup.com/new-cars/cupra/born/born-electric-hatchback-150kw-v3-58kwh-5dr-auto_99443?partner=humbersidepf

Toyota Rav4 2.5 Phev GR Sport 5dr CVT

MSG Price: £37,751.66

SAVE: £11,238.34

https://police.motorsourcegroup.com/new-cars/toyota/rav4/rav4-estate-2-5-phev-gr-sport-5dr-cvt_103808?partner=humbersidepf

BMW 5 Series Touring 520i M Sport 5dr Auto

MSG Price: £45,761.00

SAVE: £7,514.00

https://police.motorsourcegroup.com/new-cars/bmw/5-series/5-series-touring-520i-m-sport-5dr-auto_106798/?partner=humbersidepf

For further information please contact:

Russell Hickey

Partnership Director

Affinity Leasing Ltd

Office: 0800 060 70 70

Mobile: 07970 210011

Direct Line: 01299 578010

Email: russell@affinity4u.co.uk

Address: Unit 30 Coppice Trading Estate Kidderminster Worcs DY11 7QY