northamptonshire police federation · handling claims, finance providers and firms that process or...

NORTHAMPTONSHIREPOLICE FEDERATION

INSURANCE BENEFITS TRUST

SCHEME BENEFITSEffective from 1st November 2019

2

PRIVACY NOTICE(ALSO KNOWN AS “FAIR PROCESSING NOTICE”)

How will we use the information you give us?We will only use your information on the basis that it isnecessary to administer your insurance contract or helpyou make a claim. Where we need to pass informationto other firms, it will only be for that purpose. Thesefirms will be Insurers, other insurance brokers, firmshandling claims, finance providers and firms thatprocess or administer our records, includingFederations/Trust Administrators.When we contact you, it will either be for the abovereason, or because we have a legitimate interest inmarketing related products. For any other marketing itwill only be with your consent and you will be able towithdraw your consent or unsubscribe easily at any time.If we have to transfer information to a third countryoutside the EU, we will only do so if a similar level ofprotection applies. If we need to obtain information whichis by nature sensitive, we will only do so on the basis thatit is in the public interest - for example to fight crime,prevent fraud or to make sure insurance is available.

What type of personal information do we need?- We may need personal details which might include details of lifestyle, family, finances, business or education.- We will only collect what is necessary and will only keep it for as long as we are required to do in line with our data retention policy.

What other types of information do we need?- Under certain circumstances we may also need to obtain information about Race or Origin, Gender, Religion, Health, Politics, Genetics, Trade Union Membership, Sex or Sexual Orientation.- We might also need details of criminal convictions.- We will only collect what is necessary and protect it with appropriate security measures.

How do we obtain your information?- We may gather it from information you submit to a website, by telephone, mail, face to face or by email.- We may receive it from insurers, other insurance brokers, firms handling claims, finance providers and firms that process or store our records, including Federations/Trust Administrators.

What are my legal rights?- You can obtain a copy of your personal information from us without charge by contacting us at the address above. This may include the right to transfer information to other providers.- You have the right to ask us to correct information.- You have the right to ask us to delete your information or stop using it, unless it is necessary for us to retain it for insurance or financial purposes as set out in our document retention policy.- You may have the right to object if decisions about you are made solely by a computer.- You have the right to complain to the Information Commissioner at www.ico.org.uk

Telephone number0303 123 1113

Data ControllerPhilip Williams & Company35 Walton RoadStockton HeathWarrington WA4 6NW

Contact for queries Data Protection Manager, Tel. 01925 604421. Email [email protected]

Privacy Notice Apr2018 v3

3

SERVING MEMBER AGED UNDER 65Life Insurance £100,000Terminal Prognosis Advance on Life Insurance* 20% of sum insuredChild Death Grant £2,000Permanent Total Disablement (due to accident) £100,000Permanent Partial Disablement (dependent upon severity) % ScaleOn-Duty Assault benefit

Firearm £1,500Knife/Sharp instrument £1,000

Unsociable Hours x 24 weeks (excluding first 14 days) £1 per hour Hospitalisation Benefit up to seven nights

Accident/incident/emergency admission £45 per nightPlanned admission after first three nights £45 per night

Unrecovered Criminal Court Compensation Up to £500Sick Pay BenefitOn Half-Pay (after 26 weeks absence up to 26 weeks) 20% scale payOn Nil-Pay (after 52 weeks absence up to 26 weeks) 50% scale payCritical Illness £10,000Child Critical Illness £2,000Worldwide Travel Policy FamilyDental Injury & Emergency Member & PartnerLegal Expenses IncludedMotor Breakdown Cover (UK and Europe) FamilyHealth Assured FamilyGP24 FamilyMobile Phone Insurance Member & PartnerCALENDAR MONTHLY PREMIUM £27.10

COHABITING PARTNER AGED UNDER 65Life Insurance £50,000Terminal Prognosis Advance on Life Insurance* 20% of sum insuredCritical Illness £5,000Child Critical Illness £1,000CALENDAR MONTHLY PREMIUM £5.24

*Terminal Prognosis Advance only available for members aged 63 and under

SERVING MEMBER BENEFITS

The price includes an additional contribution to the Insurance Trust to pay for administration of the schemeand other member benefits as determined by the Scheme Trustees.

4

*Terminal Prognosis Advance only available for members aged 63 and under

RETIRED MEMBER BENEFITS

The price includes an additional contribution to the Insurance Trust to pay for administration of the scheme and other member benefits asdetermined by the Scheme Trustees.

RETIRED MEMBER BENEFITS AGED 70–75Legal Expenses IncludedWorldwide Travel Policy FamilyMotor Breakdown Cover (UK and Europe) FamilyHealth Assured FamilyGP24 FamilyMobile Phone Insurance Member & PartnerCALENDAR MONTHLY PREMIUM £17.44

RETIRED MEMBER AGED 65–69Life Insurance £5,000Legal Expenses IncludedWorldwide Travel Policy FamilyMotor Breakdown Cover (UK and Europe) FamilyHealth Assured FamilyGP24 FamilyMobile Phone Insurance Member & PartnerCALENDAR MONTHLY PREMIUM £32.34

RETIRED MEMBER AGED 60–64Life Insurance £25,000Terminal Prognosis Advance on Life Insurance 20% of sum insuredPermanent Total Disablement (due to accident) £10,000Legal Expenses IncludedWorldwide Travel Policy FamilyMotor Breakdown Cover (UK and Europe) FamilyHealth Assured FamilyGP24 FamilyMobile Phone Insurance Member & PartnerCALENDAR MONTHLY PREMIUM £32.34

RETIRED MEMBER AGED UNDER 60Life Insurance £50,000Terminal Prognosis Advance on Life Insurance 20% of sum insuredPermanent Total Disablement (due to accident) £10,000Legal Expenses IncludedWorldwide Travel Policy FamilyMotor Breakdown Cover (UK and Europe) FamilyHealth Assured FamilyGP24 FamilyMobile Phone Insurance Member & PartnerCALENDAR MONTHLY PREMIUM £32.34

COHABITING PARTNER AGED UNDER 60Life Insurance £25,000Terminal Prognosis Advance on Life Insurance* 20% of sum insuredCALENDAR MONTHLY PREMIUM £8.93

COHABITING PARTNER AGED 60–64Life Insurance £12,500Terminal Prognosis Advance on Life Insurance* 20% of sum insuredCALENDAR MONTHLY PREMIUM £8.93COHABITING PARTNER AGED 65-69Life Insurance £2,500CALENDAR MONTHLY PREMIUM £8.93

5

IMPORTANT INFORMATIONAPPlicAble To All benefiTs

Applying to joinServing officers can apply to join the scheme at any time bycompleting an application form which is available from theFederation Office. The first three monthly subscriptions arefree of charge when joining the scheme for the first time.New student officer recruits to the police service may join thescheme without the need for the completion of the medicalunderwriting application form and their first 52 weeks ofservice are free of charge. The Trustees and/or Philip Williams& Co reserve the right to decline any applications.

Subscription collectionSubscriptions are collected monthly by deduction direct fromsalary/pension unless that is not possible when alternativearrangements may be agreed. Monthly subscriptionpayments must be maintained in order to remain a memberof the scheme and to qualify for any benefits.

InsurersA list of the insurers is available on request. Full policywordings for certain policy sections are available todownload via QR codes. These may also be available at theFederation Office, on the Federation Website or by visitingthe Group Scheme section of www.philipwilliams.co.uk

Cohabiting Partner ExtensionsAny cohabiting partner extension will cease when theServing member or cohabiting partner reach 65 years of age(75 years for retired members), whichever is the sooner. Anycohabiting partner cover and/or extension will cease whenthe member ceases to be a member of the scheme.

Career breaks, maternity leave, secondmentor living overseasThose going on a career break, maternity leave, secondment orare living overseas must contact the Federation Office toidentify if cover can be maintained.

Retirement from the Police ServiceServing officers upon retirement may remain in the schemeas a retired member by submitting a completedmembership continuation form to the Federation Officeprior to retirement.

Individuals are not eligible to join the scheme after theirretirement date.

Transfer, resignation or dismissalMembers who transfer, resign or are dismissed from thepolice service are not eligible to remain in the scheme and allmembership and benefits will cease including any cohabitingpartner extension.

How to cancel your coverIn the event that you need to cancel your cover pleasecontact the Federation Office.

Complaints procedureThe Insurance Scheme is arranged on behalf of the trusteesby Philip Williams (G Ins)Management Ltd, trading as PhilipWilliams & Co Insurance Management who are authorisedand regulated by the Financial Conduct Authority(Registration Number 827663). The trustees areresponsible for organising the policies and dealing with theinsurance broker. Any complaints about any aspect of thescheme should in the first instance be directed to theFederation Office. The insurance broker will then be askedto investigate the complaint and resolve any matter eithervia the Federation Office, directly with the member, orthrough the appropriate underwriting organisation.

Therefore if you have any complaints about the FederationInsurance Scheme please contact the Federation Office on

03000 111 222 ext 341048Or simply write, giving details of your complaint to:Northamptonshire Police, Police Federation Office, TheLodge, Wootton Hall Park, Wootton, Northampton NN4 0JA

Should you remain dissatisfied then you may ask theFinancial Ombudsman to investigate your complaint. Pleasecontact the Financial Ombudsman Service by telephoning0300 123 9123 or by downloading the complaint form fromwww.financial-ombudsman.org.uk

FINANCIAL SERVICES COMPENSATION SCHEMEIn the event that an insurer is unable to pay a claim you maybe entitled to compensation from the Financial ServicesCompensation Scheme if an insurer cannot meetits obligations. This depends on the type of insurance andthe circumstances of the claim. Information can beobtained on request, or by visiting the Financial ServicesCompensation Scheme website at www.fscs.org.uk

This booklet is a summary only. The benefits are subject to certain exclusions and policyconditions not stated in this booklet which in the event of a claim will be applicable. The benefitsare provided strictly under the terms of the insurance policies taken out by the trustees of thescheme. Subscription to the scheme entitles the member to the benefits provided by thescheme but confers no ownership of any of the underlying policies which are vested in thetrustees. The Insurance Scheme is an Independent Trust managed by the Trustees. TheTrustees pay the Federation for the Federation Staff/Office to administer the InsuranceScheme on their behalf.The trustees retain the full policy wording detailing all benefits andexclusions which may be viewed on request to the Federation Office.

6

EXPLANATION OF BENEFITS

Life insuranceOn death of a member or subscribing cohabitingpartner the cash benefit will be paid. The policy iswritten in Trust so that if a member dies, the proceedscan be paid, by the Trustees, to the member'sdependants quickly free of tax and without having towait for probate. Members should ensure that they havean up-to-date beneficiary nominated and have lodgedthe details with the Federation Office, to assist theTrustees in the event of a claim. If a member aged 63 orunder receives a terminal prognosis of 12 months orless, they may apply to the Trustees for an advance ofthe death benefit of 20% of the relevant sum insured.

Supplementary Life and Critical Illness InsuranceThe option to purchase additional (Top Up) life andcritical illness insurance cover is available to existingsubscribing members of the scheme only, we invite youto consider the options to increase your life cover forboth yourself and your cohabiting partner.

Serving/Staff Member/Cohabiting PartnerLife Cover (aged under 65)Additional £25,000 £4.00 per monthAdditional £50,000 £7.00 per monthAdditional £100,000 £13.00 per month

Serving/Staff Member/Cohabiting PartnerCritical Illness Cover(aged under 65)Additional £5,000 £2.60 per month

The additional insurance cover is payable by direct debitand ceases upon retirement or the covered personreaching the age of 65, Please contact the FederationOffice to apply.

Child Death GrantPaid upon the death of a dependant child of a member,aged between six months and 17 years.

Permanent total disablementPayable when a member is unable to perform anygainful employment and is unable to exist indepen-dently, requiring continual supervision for activities ofdaily living, as a result of an accident.

Accidental Loss of Useand Permanent Disabling InjuriesVariable Benefits paid in the event of:- - Loss of sight in one or both eyes- Loss of use of one or more limbs- Total loss of hearing in one or both ears

Unrecovered Criminal Court CompensationCover is provided for serving officers only. If, as a resultof an on-duty assault, compensation you have beenawarded by the Court has not been paid within sixmonths from the payment date of the award thebenefit will be made.

Hospitalisation- Payable when admitted as an in-patient to hospital between midnight and 07.00- Unplanned admission arising from accident or emergency, payable from first night- Planned admission payable after three nights

Documents can be downloadedby visiting the Group Schemesection of our websitewww.philipwilliams.co.ukor by scanning the QR code.

7


Injury as a Result of Firearms or KnivesIf a serving police officer sustains accidental bodilyinjury in the course of duty directly caused by thedischarge of either firearms or shotguns or caused byassault involving a knife and as a consequence of theinjuries is unable to work for a period of at least threeconsecutive days immediately after the attack thepolicy will pay: (a) £1,500 as a result of Firearm or Shotgun injuries (b) £1,000 as a result of knife injuries

Dental Injury & EmergencyProvides cover for Dental Expenses in the event of:- Dental Injury- Emergency Dental Treatment- Dentist Call-out Fees- Hospitalisation- Mouth CancerDefinitions are shown in the full policy wording.

Please note - For Emergency Dental Treatment cover isprovided only for the initial dental treatment providedat the emergency appointment urgently required forthe relief of severe pain, arrest or haemorrhage, thecontrol of acute infection or condition which causes asevere threat to the general health. Any subsequenttreatment required after the initial emergencyappointment is specifically excluded.

Making a claimNo prior authorisation is required. Undergo thetreatment, pay the dentist direct, and subsequentlysubmit a claim. Please ensure that proof of treatmentand receipts of costs are obtained. Claim forms areavailable from the Federation Office.

Sick Pay BenefitIf a member suffers a reduction in pay under PoliceRegulations or terms of employment, the benefitsas shown in the policy will become payable. Benefitsunder this section for Police Staff are shown in thefull policy wording.

The benefit ceases on return to work or if the memberretires, resigns, is discharged from the police service, orfails to pay the monthly scheme subscription. Inaddition the benefit shall not be payable if the memberhas been offered reasonable adjusted duties with areturn to full pay and has declined such duties withoutreasonable cause.

Any overpayment due to a reversal in the decision bythe employer which results in a resumption of pay(including any back payment) or due to a failure by themember to inform the insurers of a return to work mustbe repaid in a prompt and timely manner.

Unsociable Hours BenefitIf a Serving Officer sustains Accidental Bodily Injuryor contracts sickness during the Period of Insuranceresulting in total disablement entirely preventing thatInsured Person from engaging in or giving attentionto his/her usual occupation We will pay a benefit equalto £1 per Unsociable Hour the Insured Person is unableto work that had been scheduled prior to thecommencement of disablement as recordedin Police Force records.

The maximum benefits we will pay in respect of thissection is £60 per week.

The policy will not pay for scheduled unsociable hoursfor the first 14 days of each period of disablement andis payable for up to a maximum of 24 weeks.

To make a claimCall Aviva on 0800 0516 583Email: [email protected]

8


The benefit will be payable if a member, member’s subscribing cohabiting partner or their child, agedfrom 30 days to 17 years, suffers from an insured illness and survives for more than 14 days from thedate of diagnosis or surgery.

Please refer to the policy wording for full definitions of the illnesses covered.

A pre-existing conditions exclusion applies together with other terms and conditions.

- Alzheimers Disease- Angioplasty- Aorta Graft Surgery- Aplastic Anaemia- Bacterial Meningitis- Benign Brain Tumour- Blindness- Cancer- Cardiomyopathy- Coma- Coronary Artery By-pass Graft- CJD- Deafness- Dementia/Pre-senile Dementia- Encephalitis- Heart Attack- Heart Valve Replacement/Repair- Hep B / HIV Infection- Kidney Failure

- Liver Failure- Loss of a Hand or Foot- Loss of Speech- Major Organ Transplant- Motor Neurone Disease- Multiple Sclerosis- Paralysis of Limbs- Parkinson's Disease- Primary Pulmonary Hypertension- Progressive Supranuclear Palsy- Pulmonary Artery Surgery- Respiratory Failure- Rheumatoid Arthritis- Stroke- Terminal Illness- Third Degree Burns- Total & Permanent Disability - Traumatic Brain Injury

CRITICAL ILLNESS

Covered IndividualsMember, cohabiting partner and any number of dependant children (aged over 16 years) residing in the family home.

Mental Health and Bereavement helpline: 0800 328 0003Your call will be handled by an experienced counsellor, who will offer confidential support and information in afriendly, non-judgemental manner. - 24/7/365 counselling and information telephone service- In the moment emotional support - If clinically appropriate, access to structured telephone, online or face to face counselling- Access to further wellbeing resources via an online health portal and the Health e-Hub appReasons to call the service, but not limited to:- Stress and anxiety - Family Issues- Relationship advice- Alcohol and drug issues

Medical Advice LineThe medical advice line is available Monday-Friday 9am to 5pm and is available for you to discuss any medicalcondition such as: - Paediatrics - feeding problems, crying, teething, nappy rash, congenital disorders etc- Typical childhood illnesses such as measles, chickenpox, meningitis, tonsillitis, and also allergies- Adolescent related issues such as, drugs and alcohol, anorexia, bulimia, glandular fever and dyslexia- Information and advice on a range of professional welfare organisations and societies- First aid advice- Elderly/dependant life stage care- Assistance with planning care for the elderly- Suitability of medicines by age/condition

Digital supportHealth Assured believes that you should benefit from their services in the most convenient way to you. That’s why,as well as their phone-based counselling and advice they’ve developed an online portal and smartphone appaccessible whenever you like, wherever you might be.

Online Wellbeing portalTheir online portal features a comprehensive library ofwellbeing information, which you can access easily via anyweb browser—on your computer, smartphone or tablet.Access interactive health assessments, lifestyle advice,coaching tools, and more:- Life Support: legal & financial support, assessments, and family/relationship resources.- Work Life: advice on achieving a good work-life balance, progressing in your career and asserting your rights.- Physical Health: information and articles on keeping yourself fit and active, losing weight and maintaining good exercise habits.- Emotional Health: articles on keeping good mental health, lowering stress and recognising symptoms of ill-health.

You’ll also find a host of resources including webinars,wellbeing videos, four-week programmes, interactive healthchecks and links to trusted sources. All available wheneveryou need it.

Healthe-Hub smartphone app.Download in the app & android store:Username: Police Password: FederationAvailable for iOS and Android platforms, it offers immediatesupport in the palm of your hand, and is available 24/7, 365.It’s free to download, and offers health & wellbeing support inyour pocket.- Physical and mental health support.- Financial wellbeing assessments and tips.- Extensive library of videos, webinars, planners and more at the tap of a button.- Self-improvement methods such as becoming more assertive, more resilient, and more mindful.- Lifestyle guidance for family matters.

HEALTH ASSURED

- Gambling issues- Bereavement - Domestic abuse- Retirement

- Suitability of treatment and alternative therapies- Common/routine medical conditions- Orthopaedics- Prevention of injuries

9

The GP24 service provides you with unlimited 24/7 access to a practising UK-based GP fromwherever you are in the world. Consultations are available 24/7 by phone or by video consultation.Includes cohabitating family.

Our experienced GPs are able to provide diagnosis, advice, reassurance or a second opinion. Should the GP feel youwould benefit from prescription medication they can arrange and electronically authorise private prescriptionmedication, where the medication will be delivered to you at any UK based address the next working day. The costof the drugs are chargeable at wholesale rates which will be told to you before they are issued. Where appropriatethe GPs can issue private Open Referral* letters and Private Fit Notes. Each consultation is secureand confidential and there is no limit to the number or length of consultations. Please note that some employersmay not accept Private Fit Notes.

To book a GP consultation 24/7 please call:

0345 222 3736or if overseas

+44 (0)161 468 3789Or access services via the web app: http://philipwilliams.gp24.co or via QR Code

Services available in the web app:- 24/7 GP telephone consultation service- Video consultation service Open 7 days a week, GMT: Monday** – Friday: 08:00 – 22:00 Saturday: 08:00 – 20:00 Sunday: 10:00 – 18:00 **Excluding UK bank holidays

How to save the web app:

GP24 is provided to you by Medical Solutions UK Ltd. Specialists in 24/7 private GP services with over 20 years of experience.

For more information on our prescribing and referral processes, including example medication and postage and packaging costsplease visit: https://www.medicalsolutions-uk.com/prescriptions-and-referrals/

Consultation Terms and Conditions: https://www.medicalsolutions-uk.com/gp-consultation-terms/Privacy Policy: https://www.medicalsolutions-uk.com/privacypolicy/

*Open Private ReferralsWithin your appointment, the GP will recommend the best course of treatment/action. Should they feel you would benefit from aspecialist assessment or further treatment they can provide you with an open private referral letter. This referral is for PrivateMedical Care only and will not be accepted for services in the NHS. Referral letters can be posted or emailed directly to you.

Please note the private referral is not a claims authorisation and you will need to speak to your Private Medical Insurancecompany prior to receiving any treatment, unless you will be funding this yourself.

iOS DeviceIn the Safari web browser navigate to the web app link above. Then click theicon shown left and select ‘Add to Home Screen’ and then ‘Add’.

Android DeviceIn the web browser navigate to the web app link above. Then click the iconshown left and select ‘Add to Home Screen’.

Laptop/Desktop - PCRight click with the mouse to display the menu and select ‘Create Shortcut’.

- Message Dr- Request an appointment- Health information- Services near you- Store your medical notes- Medi-Smart, medication advice line

GP24

10

FAMILY TRAVEL POLICY

Documents can be downloadedby visiting the Group schemesection of our websitewww.philipwilliams.co.ukor by scanning the QR code.

11

Insured PersonsCover applies to you and your spouseor permanent partner if you are bothunder 75 at the date the tripcommences. It also includes alldependant children who are under 18years or 23 if in full time education (atthe date the trip commences).You and all the people listed mustpermanently live together andpermanently reside in the UnitedKingdom. Your partner and/or childrencan travel separately and still becovered by this policy.

The policy covers travel worldwideand in the United Kingdom for anynumber of trips in any year up to60 days per trip up to a maximumof 180 days per year.

The main sections of cover are:- Cancellation and curtailment up to £5,000- Emergency medical expenses up to £10,000,000- Personal Baggage up to £2,000- Personal Money up to £1,000- Personal liability up to £2,000,000- Personal Accident up to £25,000.

Other benefits are included. Please seetravel policy for full details. An excessof £50 applies to most policy sections.

in the case of medicalemergency pleasecontact our nominatedemergency service, ontelephone number+44 (0) 1243 621 568Please quote 25172333 ECA

Other claims should be reported on

01243 621 416(9am–5pm Mon–Fri)

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

If You are unsure if these Medical Conditions apply to you or wishclarification, please contact Philip Williams and Company on 01925604421 during office hours or email [email protected]

There are significant limitations and exclusions of cover for property,including valuables and money. Please also note the requirements fornotifications of loss/theft and the need for reports. Full policy termsand conditions are available. If you require further copies please contact Philip Williams and Company.

If you need to speak to a GP whilstabroad, remember to use the GP24Service as detailed on page 10

12


LEGAL EXPENSES

Some important facts about your Legal Assistance insurance policy are summarised below. Thissummary does not describe all the terms and conditions of your policy, so please take time to readthe policy document to make sure you understand the cover it provides. The insurance coversummarised in this document is provided by AmTrust Europe Limited and administered on theirbehalf by Arc Legal Assistance Ltd.

Legal helpline0344 770 1058

Section of cover1a Crime – Pre Charge1b Crime – Magistrates Court1c Crime – Crown Court2. Disciplinary Hearings3. IPCC Complaints4. Representation at Public Enquiries and Inquests5. Discrimination6. Fund Trustees7. Personal Injury8. Employment Disputes9. Consumer Disputes

10. Property Disputes11. Tenancy Dispute12. Property Damage and Motor Uninsured Loss Recovery13. Tax14. Data Protection15. School Admission Disputes16. Probate17. Personal Identity Fraud18. Motor Insurer Database Disputes19. Social Media Defamation20. Vehicle Cloning

The Sections of Cover2, 3, 4, 5, 6, 10, 11, 16

1a, 1c, 15

7, 8, 9, 12, 13, 14, 17, 18, 19, 20

1b – Motor and Non-Motor Prosecutions

1b – Motor Prosecutions only

Who is coveredThe Member

The Member and partner living with the Member

The Member and partner living with the Member and their familymembers normally living with them in their main home including childrentemporarily away from the home at school or university

The Member and partner living with the Member

The Member’s family normally living with the Member in their main homeincluding children temporarily away from the home at school or university

13


ASSISTANCE HELPLINE SERVICES

Legal and Tax Helpline: 0344 770 1058Use the 24 hour advisory service for telephone adviceon any private legal or taxation matter of concern to youin the United Kingdom, Channel Islands and Isle of Man.When you call say that you are a member of your PoliceFederation Legal Expenses Scheme, or that you are amember of his or her family. Wewill ask you for a briefsummary of the problem and pass these details on to anAdviserwho will return your call.

This helpline is available to anyone belonging to the mainhousehold over 18 years of age.

Lifestyle Counselling Helpline & OnlineSupport ServiceThis service can help with a range of problems frompractical everyday matters to sensitive or emotionalissues. Our specialists will help you deal with personalrelationship problems, problems with colleagues inthe workplace and other issues affecting yourgeneral wellbeing.

Counsellors and information specialists are also trainedto help you with practical problems like debt.

The helpline is complemented by a comprehensiveonline information and support service, through whichyou can access information and advice on a range ofissues and problems which often impact on everydaylife. Topics are diverse and include relationships,childcare issues, consumer issues, stress, health andfitness. Information is updated regularly by a team ofexperienced counsellors and information specialists.

You can access the Lifestyle Counselling Helpline on0800 177 7894 or you can access the Online SupportService by visiting www.arclegal.co.uk/carefirstwhereyou will be required to enter a username and passwordwhich is available from your federation.

This service is available to anyone belonging to the mainhousehold over 18 years of age

Arc Legal Document ServiceAs an addition to your Legal Expenses cover, you haveaccess to Our Legal Document Service. This will provideyou with:- Access to a range of legal document templates- A step by step walkthrough to assist you incompleting the documents

The service can be accessed by visitingwww.arclegal.co.uk/legaldocumentswhere you canregister your details using the voucher code northampol

This service is available to all adult membersof the household.

14

UK AND EUROPEAN MOTOR BREAKDOWN


Comprehensive motor breakdown cover including:- Roadside Assistance/Recovery- Home Assist- Alternative Travel- Emergency Overnight Accommodation- Misfuel Assist- Message Service- Keys- Driver illness/injury

Covered Individuals - Member - Cohabiting Partner - Dependant Children living in the family home

Your Cover If a Vehicle in which a covered member are travellingsuffers a Breakdown due to a mechanical or electricalfailure, flat tyre, lack of fuel, misfuel, Accident, theft,vandalism or fire, service will be provided. We willprovide cover for any Breakdown in accordancewith the policy wording.

How to make a claim Call the 24 hour Control Centre on

01384 884 132For assistance in mainland Europe please call

+44(0) 1384 884 132Please have the name of the covered member,your return telephone number, vehicle registrationnumber and precise location available whenrequesting assistance.

Covered Vehicle The car, motorcycle, campervan, motorhome, domesticvans, or car-derived vans all up to 3.5 tonnes, which acovered individual is travelling in/on at the time of theBreakdown including any towed caravan or trailer of aproprietary make which is fitted with a standard towinghitch and doesn’t exceed 7 metres/23 feet (notincluding the length of the A frame and hitch).

Claims will be validated with costs for any claimsfrom non-eligible persons being the responsibilityof the claimant.

Cover will apply during the period of insurance andwithin the territorial limits. There is no age limit to thevehicle for breakdowns occurring in the UK. A vehicleage limit of ten years applies outside the UK.

For details and a list of European countries coveredplease see the full policy wording.

15


MOBILE PHONE

Covered individualsThis cover is provided for:- Serving members and their cohabiting partner- Retired members and their cohabiting partner

Please note that this policy does not cover mobilephones used by members' or partners' children, even ifthe bill is paid by the member or partner. This cover isapplicable for UK residents only.

Claims notificationIf you need to make a claim please contact BrightstarInsurance Services B.V. (UK Branch), Weston Road,Crewe, CW1 6BU.

Telephone number 0344 412 0982Please refer to full policy terms and conditions priorto making a claim.

Your mobile phone is covered against the repair orreplacement cost of your mobile phone in the event of:- theft- accidental loss - accidental damage- breakdown whilst in your possession

The liability of the insurer in respect of any one claimand in aggregate for any 12 month period will be therepair or replacement cost of the mobile phone and inany event shall not exceed a total claim cost up to amaximum of £1000 including VAT.

A £75 excess is payable per claim.

The mobile phone should have a fully functioning SIMcard and be no more than eight years old at the time ofthe incident as evidenced by the relevant proof ofownership. Upon acceptance of a claim, the insurer mayat its discretion repair or replace your mobile phone.Replacement may be with a refurbished unit or afunctionally equivalent product. This is NOT a new forold policy.

If the claims administrator replaces your mobile phone,your original item becomes the insurer’s property andthe replacement mobile phone is your property, withcoverage for that item continuing for the remainingperiod of insurance.

The maximum liability limit includes cover of up to £750including VAT for unauthorised data usage for a periodof up to 24 hour directly following a valid theft oraccidental loss claim.

Please note any claim involving theft or accidental lossmust be reported to the appropriate police authoritieswithin 48 hours.

In addition to proof of ownership, verification ofmembership will be required before a claim can beprogressed.

35 Walton Road, stockton Heath,Warrington, cheshire WA4 6nW

Tel 01925 604 421www.philipwilliams.co.uk

Philip Williams & co insurance Management is the tradingname of Philip Williams (G ins) Management ltd.Registered office: 35 Walton Road, stockton Heath,Warrington, WA4 6nW.Registered in england and Wales company number 11181168Authorised and regulated by the financial conduct AuthorityRegistration number 827663

PWI2259 - 10/19 v10

USEFUL TELEPHONE NUMBERS

Federation Office 03000 111 222 Ext 341048

Worldwide Travel Insurance Policy Number 25172333ECA24hr Emergency Assistance +44 (0) 1243 621 568Non-Emergency Claims 01243 621 416

Motor Breakdown Cover (UK) 01384 884 132 (Europe) +44(0) 1384 884 132

Legal Expenses 0344 770 1058

Lifestyle Counselling Helpline 0800 177 7894

Mobile Phone Cover 0344 412 0982

GP24 0345 222 3736 or if overseas +44(0) 161 468 3789

Health Assured 0800 328 0003

Philip Williams and Company 01925 604 421

This Scheme is subject to annual review. It incorporates covers which the Trustees believe are beneficial to the majority ofMembers. The Trustees reserve the right to amend or remove cover as they deem appropriate. It is your responsibility to ensurethat you are in possession of the up to date literature.