Police Staff


Group Insurance Scheme – Police Staff


Since 2011 Thames Valley Police Federation has offered their Group Insurance Scheme (previously the preserve of Regular Officers only) to Police Staff.


The policy available to Police Staff is identical to that offered to Police Officers. There may be slight differences in the effect of the benefits for an individual due to differences in the terms and conditions of services between Police Officers and Police Staff members.


Federation Group Insurance Scheme – Summary of Cover

Serving Police Staff

Life Assurance


Terminal Illness Advance

20% advance

Critical Illness


Sickness after 26 weeks

20% gross salary

See below for conditions

Sickness after 52 weeks

50% gross salary

See below for conditions

Child Death


Child Critical Illness


Court Award Compensation

Up to £250, if as a result of an on-duty assault compensation, you have been awarded by a Court, has not been paid within 6 months.

Worldwide Travel

Full independent travel cover for member, partner and children.

Legal Expenses

Cover for member, partner and children.

This provides you with legal cover for criminal and civil cases, where cover is not provided by other means, and there is a realistic chance of success (as determined by the Federation’s solicitors).

Additional saving on other policies such as home or vehicle can be made, as the legal option is no longer required on those polices. This could save you up to £50 per year.

Red Arc

Full family cover Included

This provides you with confidential, practical and emotional support for the whole family following bereavement or diagnoses of serious illness.


European Motor Breakdown

Cover for member and partner.

Cover for any car or motorcycle in the UK.

Cover for cars and motorcycles up to 10 years old in Europe.

Roadside assistance.

Relay recovery.

Home start.

Trailer, campervan and caravan cover.

Recovery after an accident.

Running out of fuel.


Loss of keys.

Mobile Phone

Cover for member and a partner.

Cover is for phones up to 8 years old and is for theft, accidental loss, and accidental damage. Phones are covered in the UK and for trips of up to 31 days worldwide.

If your phone cannot be repaired it will be replaced with a reconditioned model of the same type.

Accidental Injury


Hospitalisation after an accident


£50 per night – max 30 nights

Permanent Total Disablement




Temporary Total Disablement

10% basic salary for up to 26 weeks

See below for conditions

Loss of Both Limbs; or of Sight in Both Eyes; or of Hearing in Both Ears


Loss of 1 Limb; or Loss of Sight in 1 Eye


Loss of Hearing in 1 Ear


Loss of Speech


Occupationally Acquired HIV (Police Duties)


Damage to Teeth


Limitations on Age

Cover is available until a members 65th birthday.

The elements of cover which include a partner are only available for partners up to their 65th birthday.

Monthly Premium

£25.81 per month






Police Staff employed by Thames Valley Police may apply to join the Scheme. Acceptance will be subject to approval by both the Trustees to the Scheme, and the Insurers and the completion of a medical questionnaire will be required.


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, and both parties must be free to marry or form a civil partnership. More details can be found on the Partner Cover page of this section.


Individuals with less than 5 years to serve, prior to retirement, are not eligible to apply for membership to the scheme.


There is no option for cover to be taken into retirement.

It is the named individual who is insured and the cover is not transferable.



Maximum Liability

All salary related benefits are capped at the rate of a top rate Chief Inspector.



Sickness Cover

The sickness cover begins when the individual can demonstrate that they have been sick and off work for a minimum of 26 weeks during the previous 12 months, and that they have had their pay cut as a result of the sickness. The payment is paid monthly, but will cease after a maximum of 2 years from the date of the officer going sick, or upon retirement or resignation, or loss of employment for any reason.


If an individual has already been reduced to no pay, prior to becoming eligible to make a claim under the policy, they will be paid at the higher rate (50% of salary), however the payments will be for a maximum of 12 months.



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.


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 Group Insurance Scheme


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





Benefits & Services

Group Insurance Scheme

Group Insurance CORE Scheme

Welfare & Holiday Home

Welfare Support Programme

Benevolent Fund

Flint House


Federation House


Criminal Injuries Compensation Authority

Death Benefit Fund

Police Dependents Trust

Days Out & Leisure

Mobile Phones

Investments & Savings

Debt Advice



Housing Options


Private Healthcare