Important Legal Information
SAVINGS, PENSIONS, LIFE INSURANCE, HOME INSURANCE, CAR
INSURANCE AND INVESTMENT PRODUCTS
- Police
Mutual only provides the products and services advertised on this
website in the United Kingdom, Channel Islands and the Isle of
Man. Not all products are available in the Channel Islands or
the Isle of Man.
- Police
Mutual products are provided on a direct offer basis only and no
personal advice is offered in relation to them on this site or by
its representatives. If you are unsure whether any of our products
are suitable for your needs, you should seek financial
advice.
- Police
Mutual Assurance Society Limited is an incorporated friendly
society authorised and regulated by the Financial Services
Authority. It is also entered into the Financial Services
Authority register, number 110050.
- Police
Mutual Investment Services Limited is a wholly owned subsidiary of
PMAS authorised and regulated by the Financial Services Authority
and is registered in England and Wales No 3459376. It is also
entered into the Financial Services Authority register, number
186550.
- Police
Mutual Insurance and Financial Services Limited is a wholly owned
subsidiary of PMAS authorised and regulated by the Financial
Services Authority and is registered in England and Wales No
4560462. It is also entered into the Financial Services
Authority register, number 313482
- Roland
Smith Limited is a wholly owned subsidiary of PMAS authorised and
regulated by the Financial Services Authority and is registered in
England and Wales No 1073408. It is also entered into the
Financial Services Authority register, number 114942.
- These register entries can be checked on the FSA register by
visiting the FSA's website at www.fsa.gov.uk/Pages/register or
by contacting the FSA on 0845 606 1234.
- Police Mutual Financial Services Limited is a wholly owned
subsidiary of PMAS and is registered in England and Wales No
4956444.
- Police Housing Fund Limited is a wholly owned subsidiary of
PMAS and is registered in England and Wales No 5069458.
- The Registered Office of PMAS, PMIS, PMIFS, PMFS and PHFL is
Alexandra House, Queen Street, Lichfield, Staffordshire, WS13
6QS.
- The Registered Office of Roland Smith Limited is 1st Floor,
India Buildings, Brunswick Street, Liverpool, L2 0XH.
- PMAS is a trademark of Police Mutual Assurance Society Limited
used under licence by Police Mutual Insurance and Financial
Services Limited, Police Mutual Investment Services Limited Police
Mutual Financial Services Limited and Roland Smith Limited.
- The MultiManager Funds are offered by Police
Mutual Investment Services Limited (PMIS).
- Home insurance is arranged by Roland
Smith Limited. Home Insurance products are provided by Aviva
Insurance UK Limited registered in England number 99122.
Registered Office 8 Surrey Street, Norwich, NR1 3NG.
Authorised and regulated by the Financial Services Authority.
Telephone calls between you and Roland Smith will be
recorded and monitored. Police Mutual are not part of Aviva
Insurance UK Limited.
- The Premier Cash Account is offered by
Police Mutual Financial Services Limited. The Premier Cash
Account is provided by Anglo Irish Bank Corporation plc.
Anglo Irish Bank Corporation plc is regulated in the UK by the
Financial Services Authority. It is an Irish company
registered in England and Wales under No : FC016044. Its
principal place of business in the UK is at 10 Old Jewry, London
EC2R 8DN. Registered Office : Stephen Court 18/21 St.
Stephen’s Green, Dublin 2. Tel : 00353 (01)6162000 Fax :
003531 6162483. Website: www.angloirishbank.co.uk
- Car Insurance is arranged by Roland
Smith limited, a wholly owned subsidiary of Police Mutual Assurance
Society Limited. Roland Smith is an independent intermediary
dealing with selected insurers and is authorised and regulated by
the Financial Services Authority. For mutual security, calls are
recorded and may be monitored for training purposes.
- PMAS Mortgage Service is offered by Police
Mutual Insurance and Financial Services Limited. Mortgages are
provided by Britannia Building Society, Britannia House, Leek,
Staffordshire, ST13 5RG www.britannia.co.uk.
The use of gender in the assessment of insurance risks
When underwriting insurance policies, insurance companies base
their premiums on a wide variety of factors that may affect the
claims cost they observe amongst their customers. One factor that
may affect certain policies, such as life assurance and annuities,
is gender.
From 6 April 2008, the Sex Discrimination (Amendment of
Legislation) Regulations state specific conditions under which
insurance companies are allowed to differentiate premiums based on
gender. One condition is that the use of gender as a factor in the
assessment of risk for individual policies is based on relevant and
accurate statistical data. A second condition is that this data
must be compiled, published and regularly updated in accordance
with guidance issued by HM Treasury. The latest guidance (March
2008) is available at the following link:
HM Treasury website
Data in respect of life assurance and annuities can be found by
clicking on the following link:
Life assurance and annuities. This data is supplied by
the Continuous Mortality Investigation, which carries out research
into mortality and morbidity experience. These investigations cover
all the main types of long term insurance policies issued by life
insurance companies in the United Kingdom.
Last updated: 6/23/2009