GREATER MANCHESTER POLICE FEDERATION

GREATER MANCHESTERPOLICE FEDERATIONGROUP INSURANCE SCHEME

SCHEME BENEFITSEffective from 1 July 2017

USEFUL TELEPHONE NUMBERS

Federation Office 0161 355 4400

Worldwide Travel Insurance Policy Number RTYEP/40064-03/201724hr Emergency Assistance +44 (0) 203 829 6745Non-Emergency Claims 01702 553 443

Motor Breakdown Cover (UK) 0333 999 7528 (Europe) +44(0) 1737 815 406

Legal Expenses 0344 770 1058

Lifestyle Counselling Helpline 0800 177 7894

Home Emergency 0344 701 3953

Philip Williams and Company 01925 604 421

2 Police Federation Group Insurance Scheme

Documents can be downloadedby visiting the Group Schemesection of our websitewww.philipwilliams.co.ukor by scanning the QR code.

SERVING MEMBER TO AGE 70Life Insurance £140,000Terminal Prognosis Advance on Life Insurance* 49%Child Death Grant £7,500Permanent Total Disablement £80,000Permanent loss of one or more limbs £30,000Permanent loss of sight in one or both eyes £30,000Permanent loss of hearing in both ears £30,000Permanent loss of hearing in one ear £7,500Temporary Total Disablement £35 per week (max 104 weeks)Permanent Disabling Injuries % ScaleOn-Duty Assault benefit

Firearm £1,500Knife/Sharp instrument £750

Unsociable Hours Benefit 7.5% of hourly rateDependent Childcare Costs £15 per hour (max £200)Infection of HIV/Hepatitis B on duty £40,000Unrecovered Criminal Court Compensation Up to £500Hospitalisation Benefit

Unplanned admission £50 per nightPlanned admission £50 per night

Sick Pay Benefit 20% scale payCritical Illness £20,000Child Critical Illness £5,000Family Travel Policy WorldwideHome Emergency IncludedCare First Counselling Service IncludedLegal Expenses IncludedMotor Breakdown Cover (UK and Europe) Member & PartnerCALENDAR MONTHLY PREMIUM £24.75

COHABITING PARTNER TO AGE 70Life Insurance £70,000Terminal Prognosis Advance on Life Insurance* 49%Critical Illness £5,000CALENDAR MONTHLY PREMIUM £6.95

Police Federation Group Insurance Scheme 3

*Terminal Prognosis Advance only available for members aged 68 and under

SERVING MEMBER BENEFITS

The price includes an additional contribution to the Insurance Trusts to pay for administration of the schemeand other member benefits as determined by the Scheme Trustees.


RETIRED MEMBER BENEFITS

RETIRED MEMBER BENEFITS AGED UNDER 60Life Insurance £70,000Terminal Prognosis Advance on Life Insurance* 49%Child Death Grant £2,500Permanent loss of one or more limbs £10,000Permanent loss of sight in one or both eyes £10,000Permanent loss of hearing in both ears £10,000Permanent loss of hearing in one ear £2,500Permanent Disabling Injuries (depending upon severity) % ScaleCritical Illness £10,000Child Critical Illness £2,500Legal Expenses IncludedFamily Travel Policy WorldwideHome Emergency IncludedCare First Counselling Service IncludedMotor Breakdown (UK & Europe) Member & Partner CALENDAR MONTHLY PREMIUM £36.97

RETIRED MEMBER BENEFITS AGED 60–64Life Insurance £46,000Terminal Prognosis Advance on Life Insurance* 49%Permanent loss of one or more limbs £10,000Permanent loss of sight in one or both eyes £10,000Permanent loss of hearing in both ears £10,000Permanent loss of hearing in one ear £2,500Permanent Disabling Injuries (depending upon severity) % ScaleLegal Expenses IncludedFamily Travel Policy WorldwideHome Emergency IncludedCare First Counselling Service IncludedMotor Breakdown (UK & Europe) Member & Partner CALENDAR MONTHLY PREMIUM £36.97

RETIRED MEMBER BENEFITS AGED 65–69Life Insurance £7,500Terminal Prognosis Advance on Life Insurance* 49%Legal Expenses Included Family Travel Policy WorldwideHome Emergency IncludedCare First Counselling Service IncludedMotor Breakdown (UK & Europe) Member & PartnerCALENDAR MONTHLY PREMIUM £36.97

*Terminal Prognosis Advance only available for members aged 68 and under

The price includes an additional contribution to the Insurance Trusts to pay for administration of the scheme andother member benefits as determined by the Scheme Trustees.

COHABITING PARTNER AGED UNDER 60Life Insurance £35,000Terminal Prognosis Advance on Life Insurance* 49%CALENDAR MONTHLY PREMIUM £11.30

COHABITING PARTNER AGED 60–64Life Insurance £23,000Terminal Prognosis Advance on Life Insurance* 49%CALENDAR MONTHLY PREMIUM £11.30

COHABITING PARTNER AGED 65-69Life Insurance £3,750Terminal Prognosis Advance on Life Insurance* 49%CALENDAR MONTHLY PREMIUM £11.30



IMPORTANT INFORMATIONAPPLICABLE TO ALL BENEFITS

Applying to joinServing officers can apply to join thescheme at any time by completing amedical underwriting application formwhich is available from the FederationOffice. New student officer recruits tothe police service may join the schemewithout the need for the completion ofthe medical underwriting applicationform and their first 104 weeks ofservice are free of charge. TheFederation and/or Philip Williams & Coreserve the right to decline anyapplications.

Subscription collectionSubscriptions are collected monthlyby deduction direct fromsalary/pension unless that is notpossible when alternativearrangements may be agreed.Monthly subscription payments mustbe maintained in order to remain amember of the schemeand to qualify for any benefits.

InsurersA list of the insurers is available onrequest. Full policy wordings forcertain policy sections are available todownload via QR codes. These mayalso be available at the FederationOffice, on the Federation Website orby visiting the Group Scheme sectionof www.philipwilliams.co.uk

How to cancel your coverIn the event that you need to cancelyour cover please contact theFederation Office.

Cohabiting Partner ExtensionsAny cohabiting partner extension willcease when the member orcohabiting partner reach 70 years ofage. Any cohabiting partner coverand/or extension will cease when themember ceases to be a memberof the scheme.

Career breaks, maternityleave, secondment or livingoverseasThose going on a career break,maternity leave, secondment or areliving overseas must contact theFederation Office to identify if covercan be maintained.

Retirement from

the Police ServiceServing officers upon retirement mayremain in the scheme as a retiredmember by submitting a completedmembership continuation form to theFederation Office priorto retirement.

Individuals are not eligible to join thescheme after their retirement date.

Transfer, resignationor dismissalServing officers who transfer, resignor are dismissed from the policeservice are not eligible to remain inthe scheme and all membership andbenefits will cease including anycohabiting partner extension.

Complaints procedureThe Federation Insurance Scheme is arranged on behalf of the trusteesby Philip Williams and Company who are authorised and regulated by theFinancial Conduct Authority (Registration Number 308860). The trusteesare responsible for organising the policies and dealing with the insurancebroker. Any complaints about any aspect of the scheme should in the firstinstance be directed to the Federation Office. The insurance broker will thenbe asked to investigate the complaint and resolve any matter either via theFederation Office, directly with the member, or through the appropriateunderwriting organisation.

Therefore if you have any complaints about the Federation Insurance Schemeplease contact the Federation Office on

0161 355 4400Or simply write, giving details of your complaint to:Progress House, Broadstone Hall Road South, Reddish, Stockport, SK5 7DEEmail [email protected]

Should you remain dissatisfied then you may ask the Financial Ombudsmanto investigate your complaint. Please contact the Financial OmbudsmanService by telephoning 0300 123 9123 or by downloadingthe complaint form from www.financial-ombudsman.org.uk

This booklet is a summary only. The benefits are subject to certain exclusions and policy conditions notstated in this booklet which in the event of a claim will be applicable. The benefits are provided strictly underthe terms of the insurance policies taken out by the trustees of the scheme. Subscription to the schemeentitles the member to the benefits provided by the scheme but confers no ownership of any of theunderlying policies which are vested in the trustees. The trustees retain the full policy wording detailing allbenefits and exclusions which may be viewed on request to the Federation Office.


EXPLANATION OF BENEFITS

Life insuranceOn death of a member or cohabiting partner who arecovered under the scheme the cash benefit detailedin the current benefits table will be paid. The policy iswritten in Trust so that if a member dies, the proceedscan be paid, by the Trustees, to the member'sdependants quickly free of tax and without havingto wait for probate. Members should ensure that theyhave an up-to-date beneficiary nominated and havelodged the details with the Federation Office, to assistthe Trustees in the event of a claim. If a member aged68 or under receives a terminal prognosis of 12months or less, they may apply to the Trustees foran advance of the death benefit of 49% of therelevant sum insured.

Child Death GrantThis benefit is paid upon the death of a dependent childof a member, aged between 3 months and 17 years.

Permanent total disablement (any occupation)Payable when a member is unable to performany gainful employment and is unable to existindependently, requiring continual supervision foractivities of daily living, as a result of an accident.

Accidental Loss of Use and Permanent DisablingInjuries Benefit Variable Benefits paid in the event of:- - Loss of sight in one or both eyes- Loss of use of one or more limbs- Total loss of hearing in one or both ears- Temporary Total Disablement (14 day excess)- Other injuries of varying severity

Unsociable Hours BenefitIf, as a result of a period of Temporary TotalDisablement, a Benefit Participant suffers a lossof Unsociable Working Hours Pay, we will pay 75%of the Unsociable Working Hours Pay that wouldotherwise have been received, up to the followingmaximum benefits:

Constables: £60 per week. Sergeants: £75 per week. Inspectors and Chief Inspectors: £95 per week.

This benefit is payable for up to 24 weeks and excludesthe first two weeks.

Dependent Childcare CostsWe will pay up to the benefit shown below, if, due tounforeseen operational circumstances and with lessthan 15 days’ notice a beneficiaries work commitmentsare altered such that additional dependant care costsare necessarily incurred.

The benefit will be £15 for each full hour that theadditional dependant care costs are payable, up to amaximum of £200 for any one claim (maximum £1,000during any one Period of Insurance).




On-Duty Assault benefit as a result offirearms or knivesIf a serving police officer sustains accidental bodilyinjury in the course of duty directly caused by thedischarge of either firearms or shotguns or caused byassault involving a knife and as a consequence of theinjuries is unable to work for a period of at least 14consecutive days immediately after the attack thepolicy will pay: (a) £1,500 as a result of Firearm or Shotgun injuries (b) £750 as a result of knife injuries

Hospitalisation benefit- Payable when admitted as an in-patient to hospital in the UK between midnight and 07.00- Unplanned admission arising from accident or emergency, payable from first night- Planned admission payable after three nights- Benefit payable for up to 7 consecutive nights

Sick Pay BenefitIf a member suffers a pay cut under regulations orterms of employment, the benefits illustrated on thescheme benefits table will become payable after 26weeks absence for up to 26 weeks.

Please note: If full pay is reinstated and back dated,the benefits received during the applicable periodMUST be repaid.

Infection of HIV/Hepatitis B on dutyCover is provided for serving officers only. If, as a resultof a documented duty related incident you becomeinfected with the HIV/AIDS virus, a benefit paymentwill be made.

Unrecovered Criminal Court CompensationCover is provided for serving officers only. If, as a resultof an on-duty assault, compensation you have beenawarded by the Court has not been paid within sixmonths from the payment date of the award a benefitpayment will be made.

EXTENSIONS TO THE PERSONAL ACCIDENT POLICY



The scheme benefits will be payable if a member, member's partner (if additional subscription paid)or their child, aged from 30 days to 17 years, suffers from an insured illness and survives for morethan 14 days from the date of diagnosis or surgery.

Please refer to the policy wording for full definitions of the illnesses covered.

A pre-existing conditions exclusion applies together with other terms and conditions.

- Alzheimers Disease- Angioplasty- Aorta Graft Surgery- Aplastic Anaemia- Bacterial Meningitis- Benign Brain Tumour- Blindness- Cancer- Cardiomyopathy- Coma- Coronary Artery By-pass Graft- CJD- Deafness- Dementia/Pre-senile Dementia- Encephalitis- Heart Attack- Heart Valve Replacement/Repair- Hep B/HIV Infection- Kidney Failure

- Liver Failure- Loss of a Hand or Foot- Loss of Speech- Major Organ Transplant- Motor Neurone Disease- Multiple Sclerosis- Paralysis of Limbs- Parkinson's Disease- Primary Pulmonary Hypertension- Progressive Supranuclear Palsy- Pulmonary Artery Surgery- Respiratory Failure- Rheumatoid Arthritis- Stroke- Terminal Illness- Third Degree Burns- Total & Permanent Disability - Traumatic Brain Injury

CRITICAL ILLNESS


This policy covers the member, their cohabitingpartner and any number of their unmarrieddependent children under 22 years, all normallyresident in the family home, for any number oftrips in any year up to 60 days per trip. It coverstravel worldwide and also in the United Kingdom.

The main sections of cover are:- Cancellation and curtailment up to £5,000- Emergency medical expenses up to £10,000,000- Personal Baggage up to £2,000- Personal Money up to £500- Public liability up to £2,000,000- Personal Accident up to £20,000.

Other benefits are included. Please see travel policy forfull details.

In the case of a medical emergencyplease contact our nominatedemergency service, EmergencyAssistance Facilities, on+44 (0) 203 829 6745They are open 24 hours a day,7 days a week, 365 days a year.Please quote RTYEP/40064-03/2017

Other claims should be reported toClaims Settlement Agencies Ltd on

telephone number 01702 553 443 (9am–5pm Mon–Fri)

Main conditions and exclusionsThe policy will not cover you if any of the following applyto you, a travelling companion, relative, businesscolleague or non-traveller at the policy start date andeach time you make arrangements for a trip.

1. You/they were aware of any reason why the trip couldbe cancelled or curtailed.2. You/they were travelling against the advice of amedical practitioner or in order to get medicaltreatment abroad.3. You/they have been diagnosed as having aterminal illness4. You/they are on a waiting list for surgery, treatment,or investigation at a hospital or are awaiting the resultsof hospital tests or investigations.

If there is any change in a person’s health between thedate the policy is issued and the start date of a trip youmust still comply with the important conditions relatingto health. If you are unsure please notify VoyagerInsurance on 01483 806816 immediately.

An excess of £50 is applicable for most policy sections.The excess is payable per person, per section, perinsured incident subject to a maximum of £100.

There are significant limitations and exclusions of coverfor property, including valuables and money, that is leftunattended or out of your immediate control andsupervision. Please also note the requirements fornotifications of loss/theft and the need for reports.Full policy terms and conditions have been madeavailable. If you require further copies please contactthe Federation Office.

FAMILY TRAVEL POLICY




LEGAL EXPENSES

Some important facts about your Legal Assistance insurance policy are summarised below. Thissummary does not describe all the terms and conditions of your policy, so please take time to readthe policy document to make sure you understand the cover it provides. The insurance coversummarised in this document is provided by AmTrust Europe Limited and administered on theirbehalf by Arc Legal Assistance Ltd.

Legal helpline0344 770 1058

Section of cover1a Crime – Pre Charge1b Crime – Magistrates Court1c Crime – Crown Court2. Disciplinary Hearings3. IPCC Complaints4. Representation at Public Enquiries and Inquests5. Discrimination6. Fund Trustees7. Personal Injury8. Employment Disputes9. Consumer Disputes10. Property Disputes

11. Tenancy Dispute12. Property Damage and Motor Uninsured Loss Recovery13. Tax14. Data Protection15. School Admission Disputes16. Probate17. Personal Identity Fraud18. Motor Insurer Database Disputes19. Bankruptcy20. Social Media Defamation21. Vehicle Cloning22. Pedal Cycle Defence (to or from work)

The sections of cover2, 3, 4, 5, 6, 10, 11, 16, 19, 22

1a, 1c, 15

7, 8, 9, 12, 13, 14, 17, 18, 19, 20, 21

1b – Motor and Non-Motor Prosecutions

1b – Motor Prosecutions only

Who is coveredThe Member

The Member and partner living with the Member

The Member and partner living with the Member and their familymembers normally living with them in their main home including childrentemporarily away from the home at school or university

The Member and partner living with the Member

The Member’s family normally living with the Member in their main homeincluding children temporarily away from the home at school or university



ASSISTANCE HELPLINE SERVICES

Legal and Tax Helpline: 0344 770 1058Use the 24 hour advisory service for telephone adviceon any private legal or taxation matter of concern to youin the United Kingdom, Channel Islands and Isle of Man.When you call say that you are a member of your PoliceFederation Legal Expenses Scheme, or that you are amember of his or her family. Wewill ask you for a briefsummary of the problem and pass these details on to anAdviserwho will return your call.

This helpline is available to anyone belonging to the mainhousehold over 18 years of age.

Lifestyle Counselling Helpline & OnlineSupport ServiceThis service can help with a range of problems frompractical everyday matters to sensitive or emotionalissues. Our specialists will help you deal with personalrelationship problems, problems with colleagues inthe workplace and other issues affecting yourgeneral wellbeing.

Counsellors and information specialists are also trainedto help you with practical problems like debt.

The helpline is complemented by a comprehensiveonline information and support service, through whichyou can access information and advice on a range ofissues and problems which often impact on everydaylife. Topics are diverse and include relationships,childcare issues, consumer issues, stress, health andfitness. Information is updated regularly by a team ofexperienced counsellors and information specialists.

You can access the Lifestyle Counselling Helpline on0800 177 7894 or you can access the Online SupportService by visiting www.arclegal.co.uk/carefirst whereyou will be required to enter a username and passwordwhich is available from your federation.

This service is available to anyone belonging to the mainhousehold over 18 years of age

Arc Legal Document ServiceAs an addition to your Legal Expenses cover, you haveaccess to Our Legal Document Service. This will provideyou with:- Access to a range of legal document templates- A step by step walkthrough to assist you incompleting the documents

The service can be accessed by visitingwww.arclegal.co.uk/legaldocuments where you canregister your details using the voucher code availablefrom your Federation.

This service is available to the Member and partnerliving with the Member.

Comprehensive motor breakdown cover for youand your cohabiting partner for:- Roadside Help- Nationwide Recovery in the UK- Home-start in the UK- European Help

How to make a claim If the vehicle you or your cohabiting partner aretravelling in, suffers a breakdown, please call our 24hour Control Centre on

telephone 0333 999 7528For assistance in mainland Europe please call

telephone +44(0) 1737 815 406You should have the following information available. - The vehicle's registration number - Your name, home postcode and contact details - The make, model and colour of the vehicle - The location of the vehicle - An idea of what the problem is - An SOS box number (if this applies).

All use of this service is available for the coveredmember and their partner living in the family home.Any claim will be validated with Philip Williams andCompany, or other such administrative organisation,with costs for any claims from non-eligible personsbeing the responsibility of the claimant.

The vehicle must be permanently registered in the UKand, if appropriate, have a current MOT certificate andvalid road fund licence. The vehicle should be kept in agood condition and have been serviced regularly in linewith the manufacturer's recommendations. It must beless than 16 years old since first registration (11 yearssince first registration if you want help within Europe).

For details and a list of European countries coveredplease see the full policy wording.

Vehicle(s)Vehicle means the private car or motorcycle whichis less than 16 years old (11 years within Europe)and which is:- no longer than 5.1 metres;- no heavier than 3,500 kilograms;- no higher than 1.95 metres; and- no wider than 2.1 metres;

Breakdown - a mechanical breakdown; - an accident; - vandalism; - a fire; - a theft or an attempted theft; - a flat tyre; - a flat battery; - it having no fuel; or - putting the wrong fuel into it.


UK AND EUROPEAN MOTOR BREAKDOWN


HOME EMERGENCY ASSISTANCE

Cover is provided 24 hours a day, 365 days a year:

Insured eventsCover is provided for domestic emergencies for thefollowing insured events:- Plumbing and Drainage- Failure of internal electrics- Security (i.e. keys, glazing & locks). - Pests - Gas supply pipe - Boiler and heating system - Roofing

EmergencyThe result of a sudden and unforeseen incident at thehome which immediately: a) Exposes you or a third party to a risk to yours or theirhealth or; b) Creates a risk of loss of or damage to the homeand/or any of your belongings or; c) Renders the home uninhabitable

Claims Helpline 0344 701 3953Please have as much information as possible to handincluding your policy reference 10034/60027, or as aminimum, the name of the Police Federation to enableus to assist you as quickly as possible.

What will happen next: If you suffer an emergency at your home, you should tellus on the emergency telephone number. We will then: - Advise you how to protect yourself and your home immediately; - Arrange for one of our authorised suppliers to get in touch with you to make an appointment or to settle your claim on a reimbursement basis;

- We, along with our authorised suppliers under our delegated authority, will then manage your claim from that point onwards and keep you updated throughout your claim journey; - We will organise and pay up to £500 per claim inclusive of VAT, for call out, labour, parts and materials to carry out an emergency repair; - In the event of your home becoming uninhabitable and remaining so because of a covered event, we will contribute up to £100 inc VAT towards the cost of your (including your pets) alternative accommodation including transport, on a reimbursement basis; - Once we have carried out an emergency repair and contained the emergency for you, we would always recommend that you arrange for a permanent repair to be completed by a qualified tradesperson as soon as possible. In many cases the emergency repair will only provide a temporary solution to the problem.

Claims under this policy can only be made by you,your immediate family, lodger or anyone calling onyour behalf.

If the emergency repair is going to cost more than the£500 limit inclusive of VAT, we will require you tocontribute the difference before we complete theemergency repair.

Subject to our prior agreement and on receipt of yourcontractor’s fully itemised and paid invoice, we wouldpay you up to £500 inclusive of VAT as a contribution toa repair, which you arrange yourself, taking into accountcosts already reasonably incurred by our authorisedsupplier, for the initial visit. Any costs already incurred byour authorised supplier will be added to any costsincurred by your own contractor to determine whetherthe £500 inclusive of VAT policy limit has been reached.

This policy provides immediate assistance in the event of a domestic emergency. Home emergenciescan be stressful and sometimes difficult to resolve, but with Home Emergency Assistance you willhave peace of mind knowing that we are with you every step of the way, by not only appointing asuitably qualified contractor to attend your home but also meeting the costs associated with this.




NOTES

35 Walton Road, Stockton Heath,Warrington, Cheshire WA4 6NW

Tel 01925 604 421Fax 01925 861 351www.philipwilliams.co.uk

Philip Williams and Company are authorisedand regulated by the Financial Conduct Authority.

PWI1908 - 06/17 v4
