Partner Cover

Partner Cover 


Some elements of the insurance cover automatically apply to your partner providing you are living at the same address. (see scheme booklet for full details) 


Members of the Group Insurance Scheme can also apply for life and critical illness cover for a partner, proving you are living together and meet the eligibility criteria. 


The subscription for partner cover is taken from the member, but it is the Partner who is insured. The Partner therefore makes the decision as to who should benefit from any claim, and it is the Partner who is required to complete the medical questionnaire on application.



Federation Group Insurance Scheme – Summary of Cover


Partners of Serving Members of the Scheme

Critical Illness


Life Assurance


Monthly Premium

£5.85 per month



Partners of Retired Members of the Scheme

Critical Illness

No Cover Available

Life Assurance


Aged Under 60

Aged 60 – 64

Aged over 65






Monthly Premium

£8.00 per month







Serving Members of the scheme may apply for their partners to join the Cohabiting Partner Group Insurance Scheme. Partners must be: 


·         Living at the same address as the Member


·         Married to the Member, or


·         In a Civil Partnership with the Member, or


·         Both parties must be free to marry or form a civil partnership. 


Officers with less than 5 years to serve, prior to retirement, are not eligible to apply for membership to the Partner Scheme.

It is not possible to top up the cover on the Partner Scheme

Cover ceases when your partner reaches the age of 65.

For serving Police Officers the Partner Cover will automatically move to the Retired Scheme, unless you elect not to continue with cover, and cover is then applicable until your 70th birthday, or your partners 70th birthday (whichever is sooner).  Unfortunately we are unable to accept new applications from Retired Officers.

Membership  of the Partner Scheme is not transferable, only the original named partner is covered by the scheme.




Cessation of Cover

Any Member may withdraw from the Scheme at any time without penalty, but any re-application to the Scheme will be subject to full medical underwriting and approval by the Trustees.

Membership of the scheme will cease when the individual attains the age of 65, irrespective of whether they continue to be employed within their role.

Membership of the scheme and all benefits will cease upon the Member leaving the Force for any reason.

Membership of the scheme and all benefits will cease if the Member’s payments stop for any reason.

Membership of the scheme and all benefits will cease if the Trustees deem that an individual Member has brought the integrity of the Scheme or the Federation into disrepute.

Partner Membership of the scheme and all benefits will cease upon the death of the Member, or the Members withdrawal from the scheme.

When a Member or Partner reaches the upper age limit for the scheme, it is the responsibility of the Member to inform the Federation, and ensure that the subscriptions are ceased. There will be no cover applicable after the upper age limit and any claims will not be paid. There will be a maximum of 12 months’ worth of subscriptions refunded to those Members who continue to make subscription payments after the upper age limit.

If a relationship should end it is the responsibility of the Member to inform the insurer, via the Federation, to cancel the subscription. If the subscription continues to be paid this may affect the cover for the partner. Depending on the relevant circumstances cover may continue. There will be no refund of subscriptions if a member fails to cancel their Partner cover after a relationship comes to an end.

Members of the Scheme are required to inform the insurers, via the Federation, of any change in circumstances which could affect this policy. Failure to do so could result in the invalidation of your policy and claims being rejected.



How to apply for the Partner Cover


For individuals new to Thames Valley Police, please contact the Federation office as there may be an introductory offer available to you.



For All Applications Click Here



Send all completed forms to the Federation Office at: 


76 Wellington Street




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