RS0103F– MAR 2011
The Group Insurance Scheme is arranged by Roland Smith Ltd Insurance Brokers on
behalf of the Dyfed Powys Police Federation. Apart from the specifically negotiated
Group Insurance Scheme Roland Smith also manage the House and Motor Insurance
Schemes which have been exclusively arranged for Serving and Retired Members of the
Federation as well as Police Staff. In addition they also offer help and advice on any
insurance matters including Life Assurance, Mortgages and a full pre-retirement
service.
AREAS OF EXPERTISE
For more information on this or any other matter please phone or
write to:
Roland Smith Ltd
India Buildings
Brunswick Street
Liverpool
L2 0XH
0151 236 4511
Special Schemes Motor Household Group Life Legal Expenses Travel Critical Illness Vehicle Rescue Permanent Health Commercial Insurance Fire Theft Trade Packages Marine Goods in Transit Professional Indemnity Personal Insurance Motor Household Travel GAP*Home Appliance Breakdown Vehicle Breakdown
Temporary Replacement Vehicle
Financial Services Pensions Investments Life Assurance Mortgages Protection Inheritance Tax Private Medical
Long Term Care
Insurance Products Investment Products
Retirement Planning
Making the most of your money Maximising returns and minimising risk Individual solutions.
GAP
If your car is written off, 1 or 3 years. Cover for any shortfall, of up to £25,000, between the insurance offer and the retail value of your vehicle (according to Glass’s Guide) on the day you purchased your policy.
Example premium at January 2011—car cost up to £20,000—cover £10,000 deficit for 3 years—for a total cost of only £136.50 or £16.20 per month for 10 months— £162.00 total. Cover can be purchased for cars you already own (up to 7 years old)
DYFED POWYS
POLICE FEDERATION
Effective from 1st April 2011
THIS SCHEME IS OPEN TO
ALL SERVING POLICE OFFICERS AND SUPPORT STAFF
WHO ARE SUBSCRIBING MEMBERS OF
THE DYFED POWYS POLICE FEDERATION
Group Insurance Scheme
Summary of Benefits
Dyfed Powys Police Federation is an Appointed Representative of Roland Smith Limited, 1st Floor, India Buildings, Brunswick Street, Liverpool L2 0XH which is authorised and regulated by the Financial Services Authority.
Group Insurance is payable monthly and costs:
Serving Officer £17.42
Spouse of a Serving Officer £ 3.75
Retired Officer
£22.10
Spouse of a Retired Officer £ 4.95
All of the above premiums are monthly
And will be deducted directly from your pay.
Taxation - Any tax, interest or penalties you may have to pay HM Revenue & Customs
- Any claim where you have not taken every reasonable care to act according to tax legislation, or missed a legal deadline, or where fraud is suspected.
Employment - Any claim in respect of your activities as a serving Police Officer
- Any claim in respect of your activities outside of
serving as a Police Officer unless the relevant Chief Constable has approved the activity.
Personal Injury - Any claim by a serving Police Officer unless the claim is one alleging negligence by a clinical or medical practitioner and the expected damages do not exceed £1,000 and legal proceedings are not funded by the Police Federation or the Chief Constable. Peaceful Occupation - Any dispute relating to the letting or subletting of or a licence to occupy the home or any lease tenancy or rental dispute.
Consumer Contract - A contract of insurance dispute relating solely to quantum or a dispute arising from or relating to a contract entered into prior to the inception of the policy.
Data, Protection, Discrimination - Any Serving Police Officer of ACPO or Superintending rank in respect of any claim arising from an on duty decision and Representation at Public Enquiries.
Uninsured Loss Recovery - Any accident relating to on duty police work
Tenancy Disputes - Any dispute relating to the non payment of rent
Identity Theft - Any claims where identity theft is related to theBeneficiary’s business, profession or trade, or whether the claim relates to fraud, dishonesty or criminal activity conducted by the Beneficiary or someone acting in collusion with the Beneficiary.
Initial Representation - Any matter where the federation has not given itsexplicit approval.
Disciplinary - Any legal expenses for representing you at a disciplinary hearing that is or should be funded by Dyfed Powys Police FederationWith regards to the telephone legal advice that we are able to provide under the policy we will not be obliged to correspond, negotiate or otherwise deal on an Insured Person’s behalf with any third party. We also will not provide assistance on matters relating to a dispute under this policy between an Insured Person and us, the Insurer, their servants or agents.
Personal injury actions in pursuing damages following an injury or accident to you or a member of your family that was not your fault.
Pursuit of legal proceedings following any event causing loss of or damage to your home
Pursuit or defence of an alleged infringement of your legal rights or an alleged infringement by you with regards to the legal rights of another person relating to the occupation of your home
Consumer contract agreements such as a dispute over your experience of a package holiday or the purchase of a new fridge freezer
Pursuit of Legal Proceedings to recover uninsured losses incurred as a result of a motor accident causing loss or damage to your vehicle
Legal Expenses incurred in the pursuit of legal proceedings by you in respect of a probate dispute involving the will of your parents, grandparents, children, step-children or adopted children.
Costs up to £25,000 incurred by you in order to regain occupation of your home or compensation as a result of a private landlord unlawfully evicting you.
Your defence against prosecution brought by a financial institution as a result of an unauthorised person using a means of identification belonging to you without your knowledge.
Initial representation costs up to a limit of £500 for interviews at a police station after your arrest.
Legal expenses up to a limit of £5,000 for representing you at a Misconduct Tribunal Panel, Chief Constables Review or the Police Appeals Tribunal providing that Dyfed Powys Police Federation have given their explicit approval
Under the Legal Expenses Insurance the limit of indemnity for any one claim is £50,000 unless otherwise stated
Summary of General Policy Exclusions We will not pay for:
Cases without reasonable prospect of success
Legal expenses arising from your intentional wrongdoing
Disputes that you were aware of when you applied for Dyfed Powys Federation Legal Expenses Insurance
Cases reported to us more than 6 months after their occurrence.
Any costs incurred without our written consent
Matters which are covered under other insurances e.g. household, car insurances
Defamation actions
Disputes between you and/or members of your family
Fines or any other penalties
In respect of consumer contract disputes the amount in dispute must exceed £50 Principal Exclusions Relating to Individual Sections
Criminal Prosecution Defence - Any prosecution arising from actual or alleged rape, sexual assault, murder, attempted murder possession of or dealing in illegal drugs, unless you are subsequently acquitted
- Any Serving Police Officer of ACPO or Superintending
rank in respect of any claim arising from an on duty decision.
- Any claim relating to use of a motor vehicle, your duties as a police officer or where you do not instruct a solicitor in accordance with the terms of your Legal Aid entitlement.
Motor Prosecution Defence - Any claim relating to your duties as a police officer, parking offences or where you do not have the appropriate licences and paperwork required by law.
Dear Member
Group Insurance Rules and Important Information
This document contains details of all the component parts of the Group Insurance.
However, it is important you understand a number of important facts about this cover:
1. The cost of this cover is £17.42 per pay period, deducted direct from pay plus £3.75
per pay period if the partner option is taken up.
2. We are not able to advise anybody individually about the suitability of this cover for
their own personal circumstances. Therefore this contract is sold to you on a
Non-Advised basis.
3. To be eligible for the cover you must be a subscribing member of Dyfed Powys
Police Federation or are a member of the Police Staff, Superintendents Association
or ACPO. Retired members of these organisations are also eligible to continue some
parts of the cover.
4. If you leave the Force, stop subscribing to the Federation, or resign from the Police
Service cover will cease immediately. You should bear this in mind if it is your
intention to use the Life cover to protect your mortgage. If you were to leave the
Force at some time in the future you may then find it difficult or expensive to
obtain alternative Life cover, especially if you are not in good health.
5. If you are put onto nil pay, take a career break or take maternity leave you must
contact the Federation Office immediately you become aware that this will happen.
This is because your premiums are deducted from your salary and in any of these
cases there will be no salary to deduct from. In some cases cover can be continued
but special arrangements will need to be made.
6. If you are seconded overseas please let the Federation Office know in advance so
that they can confirm if any or what parts of the cover can be maintained.
7. The Life cover is written in Trust as this is the best way to ensure the money is paid
quickly, without any implications for inheritance or other taxes. This means you
cannot assign this policy to any person or company. In the event of death the
Trustees will meet and decide who the deceased would have wanted the money to
go to. If you want to you can give them an indication of who that would be by
completing a Beneficiary Nomination Form. Please note that if you are insuring
your partner they should also complete a form.
8. You should check your salary slip periodically to ensure the deductions for this cover
are continuing to be made.
9. If you need any part of the cover explaining please ring the Broker, Roland Smith
Limited on 0151 236 4511 and ask for the Group Insurance Department.
10.When travelling please make certain you take the Travel Insurance Policy and up to
date Schedule with you. If you haven’t got a copy then please contact the
Federation Office and they will either send or email you a copy (which may involve a
small administrative charge).
11.This Policy is arranged by the Federation and is based on the historical needs of
Federation Members with due regard to changes in Regulations. It is an annually
renewable contract and the Federation retain the right to vary the cover and price
according to the best interests of the majority. This could mean that covers may be
reduced or removed altogether.
12. Dyfed Powys Police Federation is an Appointed Representative of Roland Smith
Limited 1
stFloor India Buildings Brunswick Street Liverpool, which is Authorised
and Regulated by the Financial Services Authority. A charge of .91p per member
per month is included in the price of the Group Insurance to cover the
Administration and Regulation costs incurred in the management of the Scheme.
13. Please remember that all Insurance Policies have exclusions, limitations and things
you must do for cover to be valid and in force when you need it. Please take the
time to read the Policy Documents to ensure you are aware of the cover before you
have a claim otherwise it may be too late.
14.Prior to the end of any contract of insurance we will write to you with the terms of
the renewal of the policy. If we have changed the Scheme Insurer you will be
informed at that time, when you will be able to decide if you wish to continue with
the contract with the new Insurer.
15.Where the document refers to “partner” this definition includes same sex
partners. However, there must be some form of shared financial commitment to
the partnership, e.g. joint mortgage, joint bank account or joint rent agreement. In
addition the relationship must have been permanent for at least 12 months prior
to cover commencing.
COMPLAINTS PROCEDURE
The Group Insurance Scheme is arranged on behalf of the Federation by Roland Smith
Ltd, Insurance Brokers. Roland Smith Ltd, authorised and regulated by the Financial
Services Authority (FSA), as are the Insurers who underwrite the Group Policies. All
regulated business have to handle business in a particular way and deal with
complaints in accordance with the FSA rules. However, although it is you, The
Member who is the ultimate buyer of the cover, we, your Federation are responsible
for dealing with Roland Smith and organising the Policies. Indeed we are even
involved in parts of the administration of the Cover and will on occasions advise
Members on different aspects of the various Policies.
In view of this it has been agreed with Roland Smith Ltd that any complaints about
any aspect of the Group Insurance Scheme should in the first instance be directed to
the Federation. We will then investigate any complaint, identify the appropriate
person to speak to and then either resolve the matter with that organisation and the
Member or arrange for the appropriate organisation to resolve it directly with the
Member.
Therefore if you have any complaints about the Group Insurance Scheme please
write, giving details of your complaint to:
The Secretary
Dyfed Powys Police Federation
Federation Office
P O Box 99
Llangunnor, Carmarthen
SA31 2PF
.
LEGAL EXPENSES INSURANCE
This policy provides a full telephone legal advice service for any legal matters and will also provide cover for Legal costs arising out of the following:
A The Defence of Criminal Prosecutions including motoring offences (not parking) B The Defence or pursuit of Civil claims in respect of Goods or Services bought or sold C The pursuit of motor uninsured loss recovery
D Employment disputes involving any Insured person other than the subscribing officer
E Personal Injury Claims for spouse/partner or family. (NB Federated Officers are covered to pursue Personal Injury Claims by the Police Federation in certain circumstances
F Pursuit or defence of claims relating to the peaceful occupation of the home G Pursuit of claims for damage to personal property
H Defence of claims brought under the Data Protection Act
I Defence of claims brought under the Sexual Discrimination or Race Relations Acts LIMIT PER CLAIM—£50,000
PERSONS COVERED:
(a) The subscribing Officer (b) His or her spouse/permanent partner
(c) Children under 21 if normally resident with subscribing Officer
(d) Parents of the Officer or spouse/partner if normally resident with subscribing officer To obtain advice or make a claim, please telephone First Assist on
01455 251500 and quote Reference Number 71923
A more comprehensive policy wording is available should you require it. Please contact the Federation Office
Insurer: First Assist
What are the significant features and benefits of this policy?
The Legal Expenses Insurance provides cover for you for legal fees incurred in a wide range of personal legal disputes. Some examples of disputes that could be covered under the policy are:
Defending you against prosecution in a court of criminal jurisdiction
Legal costs for your defence of proceedings brought against you as a result of a breach of road traffic regulations relating to your vehicle. We will also cover legal costs up to £2,500 in representing you following the seizure of your vehicle by the police as a result of incorrect information being held about you to the Motor Insurance Database.
Taxation disputes where HM Revenue & Customs may investigate your personal tax affairs in a full enquiry and you need to employ the services of an accountant to represent you.
Defending an allegation of an act or omission occurring as a result of your being a trustee of a fund set by your employer
Legal Expenses incurred in respect of your representation at a public enquiry ordered by a District Auditor
Representation of civilian staff that are members of the federation in an investigation set up by the Independent Police Complaints Commission
Costs of defending you against alleged infringements of the Race Relations Act 1976 or Sex Discrimination Act 1975.
Employment disputes between a family member and their employer over unfair dismissal, sex or race discrimination at work or breaches of their existing employment contract.
HALF PAY INSURANCE
In the event of any Serving Officer who is a Member of the Scheme being off work as a
result of accident or sickness and reduced to Half Pay, for a qualifying period of more
than 6 months in any 12 month period, a benefit of £100.00 per week will be payable.
This weekly benefit will be paid for a maximum of 26 weeks after the qualifying
period. Payment will cease before 26 weeks if the Member returns to work, returns to
full pay or leaves the Force
.
The policy provides cover for you against accidental bodily injury or sickness which
results in disablement entirely preventing you from following your usual occupation
and where your pay is reduced for a qualifying period of more than 6 months in any
12 month period in accordance with Police Pay Regulations.
A benefit of £100 per week will be payable for a maximum of 26 weeks after the
qualifying period. Payment will cease before 26 weeks if the Member returns to work,
returns to full pay or leaves the Force.
The Policy excludes
:
Hazardous Pursuits
Self-inflicted injuries
Pregnancy and childbirth
War Risks
Claims after the member has already received 26 weeks benefit unless they
have resumed full police duties for 6 months in a 12 month period after the
last claim finished.
Policy Conditions:
Cover ceases if you to be a serving member of Dyfed Powys Police, or you
stop paying your premiums, or at your 65th birthday, whichever is earlier.
You must tell us of any secondment outside the European Union or career
break as this may affect your cover.
Any weekly benefit paid must be refunded if the member is reinstated back
onto full pay.
Claims must be notified within 60 days of the date the member’s pay is
reduced to half pay.
The member must be permanently resident in the United Kingdom.
Insurer: Aviva
LIFE INSURANCE
The Scheme is open to all Serving and Retired Officers and Support Staff. Serving
Officers and Support Staff who join the Scheme at the first opportunity can do so
WITHOUT EVIDENCE OF HEALTH
. Officers who wait will have to complete a Medical
Questionnaire. The same situation applies to Spouse cover.
In the event of Death, the Federation Office will require a Death Certificate or Coroners’
Report to provide to Insurers.
Officers who are about to retire and want to continue cover must contact the
Federation Office before retirement as they need to complete a simple Health
Declaration. Spouse cover can also be continued in retirement but the Spouse must
have been covered during the member’s service and cannot be added after retirement.
Provided that is approved by Insurers, cover in retirement is assured.
The following Benefits apply
:
Insurer: Lloyds
£
All Serving Officers
100,000
All Serving Police Staff
100,000
Retired Officers:-
From Retirement Age to Age 59 years
60,000
From Age 60 years to Age 64 years
30,000
Spouse of a Serving Officer or Police Staff
50,000
Spouse of a Retired Officer under Age 60 years
40,000
Spouse of a Retired Officer aged 60 years to 64 years
20,000
TRAVEL INSURANCE
The Policy contains Terms and Conditions that cannot be shortened and still retain their sense
and validity. Therefore we will not attempt to do anything other than outline the salient points
of the cover in this document. Please read the Policy, it is important that you understand all the
Conditions, Limits and particularly the Exclusions. When you go on Holiday take a copy of the
Policy and Schedule with you so that you know what to do if you need to make a claim.
Cover applies to you and your spouse or permanent partner if you are both under 65 at the date
the trip commences. It also includes all dependant children who are under 21 (at the date the
trip commences) and in full-time education but only when travelling with the member or their
partner.
The Policy only covers trips of up to 30 days duration. It is possible this can be extended but you
must do so in advance by speaking to our Brokers, Roland Smith Ltd.
The Policy covers world-wide destinations, including UK. However, for cover to apply to UK Travel
the holiday must include either an overnight stay and/or a flight.
A £35 excess applies to most claims.
All the other limits for Medical Expenses, Baggage, Valuables, Cash etc are shown in the enclosed
Policy.
For advice on cover, or to arrange extensions, please contact our Brokers, Roland Smith Ltd, on
0151 236 4511 and ask for Dyfed Powys Police Travel
Insurer: Aviva
PERSONAL ACCIDENT INSURANCE
The policy pays out if a Member suffers an Actual Bodily Injury resulting in one or more
of the conditions shown in the Schedule of Benefits. The sum paid out is always a
percentage of the Sum Insured which is:
It is not possible to give full details of the Policy cover in this document but the most
important conditions and exclusions are:
This policy excludes:
1. Hazardous
Pursuits
2.
Wilfully self-inflicted injury
3.
Pregnancy childbirth
4.
War, whether declared or not
You must report any bodily injury that may give rise to a claim to the Federation office
within 6 months of the accident occurring.
The Policy only covers Members resident in the UK. If you move and reside abroad
permanently you must advise the Federation Office as the Policy can be extended to
cover you whilst living abroad, on payment of an additional premium.
Please note this cover only applies to Serving Officers and Support Staff and ceases on
retirement from the Force.
Insurer: Aviva
Maximum Benefit—£90,000 Maximum Benefit Percentage of the
Accidental bodily injury resulting in:
1 Total and irrecoverable loss of all sight in one or both eyes rendering the Insured person absolutely blind in the eye or eyes beyond remedy by surgical or other
treatment 100
2 Total loss by physical severance or complete and irrecoverable loss of use of :
(a) either one or both hands and/or one or both feet 100 Left Right
(b) one thumb 25.00 25.00
(c) one forefinger 20.00 20.00
(d) any other finger 10.00 10.00
(e) one big toe 10.00
(f) any other toe 5.00
3 Permanent disablement as described below
(a) permanent total disablement (other than loss of sight or limbs) entirely preventing the Insured Person from engaging in or giving attention to any and every profession or occupation.
(b) complete and incurable
100.00
(i) paralysis
(ii) insanity 100 100
(c) complete and irrecoverable loss of hearing (i) in one ear
(ii) in both ears
(d) complete and irrecoverable loss of speech
25.00 100.00 100.00 (e) permanent and total loss of use of shoulder or elbow
(f) permanent and total loss of use of wrist
(g) permanent and total loss of use of hip, knee or ankle (h) shortening of either one or both legs by at least 5 centimetres (i) loss of osseous substance of the skull in all its thickness:
- surface of at least 6 square centimetres
- surface of at least 3 sq centimetres but under 6 sq centimetres - surface of less than 3 square centimetres
(j) removal of lower jaw by surgical operation
(k) fractured leg or knee cap with established non-union (l) Permanent total loss of lens of one eye
All occurring within 24 months of bodily injury from which the claim arises
20.00 15.00 20.00 20.00 15.00 20.00 7.50 40.00 20.00 10.00 30.00 10.00 50.00 4 Sickness resulting in total and irrecoverable loss of all sight
(a) in one eye (b) in both eyes
as a result of disease originating during the currency of the policy and occurring
while the policy is in force or within 12 months after the expiry date. 100
