Car insurance for UK police officers

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Car Insurance For Police Officers

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* 7-8% of Apricot car insurance customers over 35 paid less than £250 between June 2020 to June 2021. Different age ranges will be priced differently.

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What our customers say about Apricot Insurance

Car insurance for police officers

Anyone driving a car in the United Kingdom must have insurance, to cover them in the event of a road traffic accident. However, finding the least expensive option is a complex affair, but Apricot can highlight how taking your occupation into account can really make a difference. If you are a police officer, you will really benefit from finding an insurance provider who recognises that those in your profession present less risk.

What is police officers’ car insurance?

Insurance companies take a wide range of statistical data into account when assessing the risks of a particular individual on the road. Police officers, along with other public servants like NHS staff are considered to be less likely to be involved in a car accident, and therefore many providers will offer a specific police officer car insurance policy to reflect this.

Why do I need police officers’ car insurance?

If you are a police officer, it is a no-brainer to take find a car insurance policy that will be less expensive, because your professional role is regarded as representing less risk.

How will being a police officer affect my car insurance?

Insurance companies are in the business of assessing the risk presented by every individual they insure. A police officer may well have advanced driving training which will work in their favour and also has to have a calm, considered demeanour in the course of their day, which also indicates they are less of a risk behind the wheel of a car.

In fact, those working in a collaborative way with members of the public on a daily basis, like teachers or nurses will always be seen as more responsible and therefore less likely to take risks on the road.

How does car insurance for police officers cost?

Car insurance for police officers may well be less expensive than that of say, construction workers, because the national data supports the fact that they are less of a risk, but there are other elements that must be factored in. Your age, your driving record (whether or not you have accumulated any points on your licence), and even your geographic location can have an impact on the cost.

The cost of car insurance for police officers will also depend on whether you decide to insure your car on a third party basis, if you want to include fire and theft, or if you opt for a fully comprehensive policy.

Does it make a difference to my car insurance if I work for a metropolitan police station?

In general, those who live in a more rural environment are less likely to have a road accident or have their car stolen than those who live in a bustling city. However, if you are a police officer in an urban hub, you may live and keep your car in a completely different location.