Group Insurance

The Group Insurance 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. 

Specifically developed for police officers and designed to protect you when you need it most. 

The package includes the following*:

• Care on Demand
• Life assurance including terminal illness benefit and Child Death Grant
• Additional life insurance option
• Critical illness cover with the option for additional cover for an added monthly cost
• RED ARC
• RAC motor breakdown cover
• Legal expenses cover
• Personal accident cover
• ‘Best Doctors’ cover
• Regulation 28 - sickness insurance
• Worldwide family travel insurance ***
• Mobile phone/gadget insurance

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

** Not available on the Police Staff Group Insurance scheme.

*** Pre-existing medical conditions with regard to worldwide family travel insurance:

This policy will not cover you for any claims arising from pre-existing medical conditions as set out below:
a) Any claims made under the Cancellation, Curtailment or Change of Itinerary and/or Medical & Emergency Travel Expenses section of this policy as a result of any Pre-existing Medical Condition where a Qualified Medical Practitioner has not permitted the Insured Person to travel.
b) Any claims under the Cancellation, Curtailment or Change of Itinerary section of this policy as a result of any Pre-existing Medical Condition where the Insured Person is on a waiting list for in-patient treatment.
c) Any claims made under the Cancellation, Curtailment or Change of Itinerary and/or Medical & Emergency Travel Expenses section of this policy where you are travelling for the purpose of obtaining medical treatment abroad.
d) Any claims made under the Cancellation, Curtailment or Change of Itinerary and/or Medical & Emergency Travel Expenses section of this policy where you have been given a terminal prognosis.
e) Purchase of any prescription medicines relating to a Pre-existing Condition.
f) If an Insured Person or Close Relative has suffered a Pre-existing Medical Condition that You could have reasonably foreseen would have given rise to a Cancellation or Curtailment or Change of Itinerary claim under the Cancellation, Curtailment or Change of Itinerary section of this policy.

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 Group Insurance Scheme Documents page and return it to us at Guardians House, 2111 Coventry Road, Sheldon, Birmingham, B26 3EA or email us at westmidlandspf@polfed.org 

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 Group Insurance Scheme Documents page, just complete (you can type in the form before you print), sign and send back to the Federation office via email to westmidlandspf@polfed.org 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 a supplementary cost per month.

Under normal joining conditions, members can insure a spouse within 3 months of marriage or a partner within three months after they have lived together for six months. If you fall within this criteria then simply fill out and return the Package with Partner Cover application form on the  'Group Insurance Scheme Documents' 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 on the Group Insurance Scheme Documents page. 

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 01403 327 719, who will endeavour to arrange alternative insurance for you. 

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 a form to join is available on request by sending an email to westmidlandspf@polfed.org 

Cancelling membership

If you wish to terminate your membership, or stop paying subscriptions, you must give not less than one months’ notice to us in writing.

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, 55 Blythswood Street, Glasgow G2 7AT. Registered in Scotland. Company Number: SC108909

www.ajginternational.com

Privacy notice

George Burrows is a trading name of Arthur J. Gallagher Insurance Brokers Limited. We are the controller of any personal data you provide to us. We collect and process personal data in order to offer and provide insurance services and policies and to process claims. Personal data is also used for business purposes such as fraud prevention and detection, financial management, to generate risk modelling, conduct analytics including to advise, improve and develop our products and services and to comply with our legal and regulatory obligations. This may involve sharing information with, and obtaining information from, our group companies and third parties such as (re)insurers, other brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies.

We may record telephone calls to help us to monitor and improve the service we provide as well as for regulatory purposes.

Please see our Privacy Notice for further information on how your personal data is used, shared, disclosed and retained, your rights in relation to your personal data and how to contact our Data Protection Officer. Our Privacy Notice can be found at https://www.ajg.com/uk/privacy-policy/. From time to time we may make important updates to our Privacy Notice and these may in turn affect the way we use and handle your data. Please ensure you review our Privacy Notice periodically to ensure you are aware of any changes.

If you are providing us with personal data of another individual that would be covered under the insurance policy we may be placing or services we may provide to you, you shall ensure that you have obtained all appropriate consents, where required, tell them you are providing their information to us and show them a copy of this notice. You must not share personal data with us that is not necessary for us to offer, provide or administer services to you.