Special Constable cover

Group Insurance Scheme – Special Constable

 

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

 

The policy available to Special Constables is similar to that offered to Regular Police Officers, however there are some exclusions and additional conditions to the cover available to Special Constables.

 

Federation Group Insurance Scheme – Summary of Cover

 

Serving Special Constables

Life Assurance

£100,000

Terminal Illness Advance

20% advance

Critical Illness

£20,000

Child Death

£2,500

Child Critical Illness

£5,000

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.

Mis-fueling.

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

£100,000

Only payable as a result of a police duty related incident

Temporary Total Disablement

 

 

10% basic salary for up to 26 weeks

See below for conditions

Only payable as a result of a police duty related incident

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

£100,000

Only payable as a result of a police duty related incident

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

£60,000

Only payable as a result of a police duty related incident

Loss of Hearing in One Ear

 

£30,000

Only payable as a result of a police duty related incident

Loss of Speech

 

£100,000

Only payable as a result of a police duty related incident

Occupationally Acquired HIV (Police Duties)

£100,000

Only payable as a result of a police duty related incident

Damage to Teeth

 

£1,000

Only payable as a result of a police duty related incident

Serious Assault with Firearm

£2,500

Only payable as a result of a police duty related incident

Serious Assault with Knife

£1,250

Only payable as a result of a police duty related incident

Coma

£25 per night for up to 365 days

Only payable as a result of a police duty related incident

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

 

Conditions

 

 

Eligibility

Individuals who are employed by Thames Valley Police as a Special Constable 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 Partner element of the scheme, Partners must be living together at the same address, and both parties must be free to marry or form a civil partnership. More information is available on the Partner Cover page in 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 into retirement.

 

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

 

 

Maximum Liability

 

Temporary Disablement benefits will be capped at the pay scale of top rate Chief Inspector.

 

 

 

Temporary Disablement

The payments for temporary disablement as a result of an accident require the individual to be signed off sick with a medical condition which can be shown to be a direct result of the accident. The payments for Special Constables will be restricted to the relevant percentage of the equivalent rank (up to chief Inspector) of a regular officer, but also cannot be more than the relevant percentage of the individuals’ basic pay from their usual occupation. Documentary evidence of their normal pay level will be required to process a claim.

 

 

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 Member leaves the Thames Valley Special Constabulary, it is their responsibility to inform the Federation, and ensure that the subscriptions are ceased. There will be no cover applicable after leaving the Thames Valley Special Constabulary 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 leaving the Organisation.

 

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.

 

 

Application

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

 

v  Complete a 04 - Medical Underwriting Form for all individuals applying (member and partner, if applicable). (click here for form)

 

v  Complete the 02 - GIS Membership Application Form. (click here for form)

 

v  Complete the 03 – Member Beneficiary form. (click here for form)

 

v  Sign and date all forms at the bottom.

 

Send all completed forms to the Federation Office at:

 

76 Wellington Street

Thame

Oxfordshire

 

OX9 3BN

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