Group Insurance

Officer Insurance Cover

BTP Federation’s ‘Officer Insurance Cover’ is provided by Advisory Insurance Brokers (part of the Ardonagh Group). An award-winning UK business, Advisory Insurance Brokers manages a community of brokers with 50+ years’ experience in the Insurance market.

By working closely with the UK’s leading insurers, professional bodies and experts, they offer relevant covers, guidance and more modern services that make the best of innovation to make insurance easier and more relevant to you, our members.

The benefits

The package of benefits for serving members comprises:

·        Life Assurance (£130,000)

·        Personal Accident Benefits

·        Critical Illness Cover (£10,000) including RedArc

·        Regulation 28 Sickness Benefits

·        GP Care on Demand

·        Care First Counselling Service

·        Legal expenses insurance

·        Worldwide Annual Multi-Trip Travel Insurance

·        RAC Motor Breakdown Assistance

·        Mobile Phone/Gadget Insurance

Please download the Group Insurance Scheme booklet for full details of all benefits provided to serving members, retired officers, and partners. The booklet also provides the telephone numbers, email addresses and reference codes you will need to make enquiries/claims.

Serving officers and Special Constables

Group Insurance membership costs £28.80 lunar monthly (i.e. every four weeks) for serving officers and £28.26 calendar monthly for Special Constables.

Please remember, the Group Insurance scheme is optional. Should you wish to opt out you must contact the Federation office to confirm this. Before you do so, we advise you to source alternative cover appropriate to your personal circumstances, for your own peace of mind.


Cover is available for partners at £13.48 lunar monthly (i.e. every four weeks). The partner scheme provides Life Assurance (£65,000) and Critical Illness cover (£5,000). For other benefits, please take a look at the Group Insurance Scheme booklet above.

Retired Officers

Group insurance cover for retired officers varies in cost and benefits in line with your age. Please consult the Group Insurance Scheme booklet above for full details. Please note, you must fill out the retired officer application form BEFORE your retirement date. Under the terms of the policy there can be no gap in your cover.