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Important Legal Information

This site is intended for UK residents unless otherwise stated.

These are the terms and conditions ("Terms and Conditions") for the website located at www.forcesmutual.org ("Site"). Please read these Terms and Conditions carefully, and the information contained within. By using this Site, you acknowledge that you have read these Terms and Conditions and our Privacy Policy, which is hereby incorporated by reference, and that you agree to be bound by them. If you do not wish to be bound by these Terms and Conditions you should not use this Site.

Forces Mutual (as defined below) reserves the right to change, modify, add or remove portions of these terms at any time for any reason and such changes shall be effective immediately upon posting. You acknowledge that by accessing our Site after we have posted changes to these Terms and Conditions, you are agreeing to these terms as modified.

Disclaimer

Nothing contained on this Site constitutes tax, accounting, regulatory, legal, insurance, investment or personal advice. Decisions based on information contained on this Site are the sole responsibility of the visitor. In exchange for using this Site, the visitor agrees to indemnify and hold Forces Mutual, its officers, directors, employees, affiliates, agents, licensors and suppliers harmless against any and all claims, losses, liability, costs and expenses (including but not limited to legal costs) arising from your use of this Site, from your violation of these Terms and Conditions or from any decisions that the visitor makes based on such information.

Trademarks and Intellectual Property

'Forces Mutual' is a registered trademark and trading name of Police Mutual Assurance Society Limited and its group companies. © Police Mutual Assurance Society Limited.

All trademarks, trade names, and/or logos displayed on this Site are proprietary to Forces Mutual and/or their respective owners. Nothing on this Site should be construed as granting any license or right to use any trademark, trade name and/or logo displayed on this Site without the written permission of Forces Mutual or such other third party that may own such trademark, trade name and/or logo. Your use of the trademarks displayed on this Site, except as provided herein, is strictly prohibited.

Company Details

Police Mutual Assurance Society Limited is an incorporated friendly society, number 727F. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, it is entered in the Financial Services Register and the Register Number is 110050.

PM Advisory Limited ("PMAL") is registered in England and Wales, number 4560462. Authorised and regulated by the Financial Conduct Authority it is entered in the Financial Services Register, number 313482.

PMGI Limited ("PMGI") is registered in England and Wales, number 1073408. Authorised and regulated by the Financial Conduct Authority, it is entered in the Financial Services Register, number 114942.

Mortgage Excellence Plc ("MEX") is registered in England and Wales, number 3527577. Authorised and regulated by the Financial Conduct Authority, it is entered in the Financial Services Register, number 301192.

Abacus Limited (“Abacus”) is registered in England and Wales, number 4207663.  Authorised and regulated by the Financial Conduct Authority, it is entered in the Financial Services Register, number 314649.  Registered office: 100 Cedarwood Crockford Lane, Chineham Business Park, Chineham, Basingstoke, Hampshire, England, RG24 8WD

All register entries can be checked by visiting the Financial Conduct Authority website www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768 or 0300 500 8082.

PMHC Limited ("PMHC") is registered in England and Wales, number 3018474.
The registered office of PMAS, PMAL, PMGI, MEX and PMHC is:
Alexandra House
Queen Street
Lichfield
Staffordshire
WS13 6QS

The information below is relevant for products sold on the Forces Mutual website.

Home and Contents Insurance
Home and car insurance is arranged and administered by PMGI Limited.  The Home & Contents insurance product is underwritten by the Salvation Army General Insurance Corporation (“SAGIC”). SAGIC is registered in England & Wales No. 101071.  Registered office: Faith House, 23-24 Lovat Lane, London, EC3R 8EB. SAGIC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority.  The Consortium Leader is Lloyd’s Syndicate 1861 which is managed by ANV Syndicates Limited (ANV).  ANV is registered in England & Wales No. 4434499.  ANV is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Kit Insurance
Kit insurance is arranged and administered by PMGI Limited.  Kit and Contents insurance is underwritten by UK General Insurance Ltd on behalf of UK General (Ireland) Ltd (“UKG”) and Inter Partner Assistance SA (“IPA”) through Arc Legal Assistance Ltd (“ALA”).  UKG is an insurance company established in Ireland and authorised and licensed by the Central Bank of Ireland. Registered in the Republic of Ireland, registration number 340407, registered office, Alexandra House, The Sweepstakes, Ballsbridge, Dublin 4.  ALA is registered in England & Wales No. 04672894.  Registered office: The Gatehouse Lodge Park, Lodge Lane, Colchester, Essex, CO4 5NE.  UKG and ALA are authorised and regulated by the Financial Conduct Authority.  IPA in the UK is a branch of Inter Partner Assistance SA ('IPA'). IPA is authorised by the Belgian National Bank and subject to limited regulation by the Financial Conduct Authority. Registered office: The Quadrangle, 106-118 Station Road, Redhill, Surrey, RH1 1PR.

Personal Accident
Personal Accident insurance is arranged and administered by PMGI Limited.  Personal accident insurance is underwritten by Lloyd’s Consortium 9208 and The Ancient Order of Foresters Friendly Society Limited (“Foresters”). Foresters is an incorporated Friendly Society.  Registered office: Foresters House, 29/33 Shirley Road, Southampton, SO15 3EW. Foresters is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Travel Insurance
Travel insurance is arranged and administered by PMGI Limited.  The Forces Mutual Single Trip Travel insurance product is underwritten by AGEAS Insurance Limited (“AGEAS”).  AGEAS is registered in England & Wales No. 354568.  Registered office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA.  AGEAS is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Healthcare
Healthcare and the Health Cash Plan are available through PMHC Limited.

Life Insurance
Life insurance is arranged by PMGI Limited, trading as Forces Mutual, through Vitality Corporate Services Limited trading as VitalityHealth and VitalityLife.

Car Insurance
Motor insurance for the Military family is arranged and administered by PMGI from the following panel of insurers:

  • Ageas
  • Aviva
  • LV
  • Markerstudy
  • Zenith Insurance
  • Sabre
  • Covea
  • Zurich
  • AXA
  • KGM

Mortgages
Mortgage and protection advice is available through Mortgage Excellence PLC, which is authorised and regulated by the Financial Conduct Authority (firm reference no. 301192).

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. The level of compensation depends on the type of business and the circumstances of the claim. Further information is available from the Financial Conduct Authority or the Financial Services Compensation Scheme.

Page last updated: March 2017

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