01924 295 494
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Advice & Guidance

Wellbeing

Physical Wellbeing

This booklet provides information around all officers health and wellbeing. For more information please click here.

Police Treatment Centre

The Police Treatment Centres is a registered charity supported by voluntary donations from serving police officers primarily in the northern forces of England and Wales, Scotland and Northern Ireland, but also from British Transport Police, the Civil Nuclear Constabulary and the Ministry of Defence Police. Officers currently make a donation from their pay of £1.30 per week (1 September 2011).

To view our information click here.

Police Treatment Centre lottery – its Superdraw time!

For more information please see our PDF.

Deadline for entries to the Superdraw is 27th October so new players must have signed up by this date.
To register and terms and conditions click here.


Physiowise

Physiowise is a physiotherapy and sports injury clinic based in Wakefield, West Yorkshire. Run by Lee Robinson, a chartered and state registered physiotherapist, with over 20 years’ experience.

The clinic is designed to assess, treat, rehabilitate and educate local residents and sports people who are suffering from any musculo-skeletal problems and injuries. These include neck, back, shoulder, arm, hip knee and ankle problems.

The clinic is situated in a pleasant and enduring property that was built in the 1830s as Cliff Field Cottage in the heart of Wakefield city centre. With plenty of free parking, it is a short walk from the local railway and bus stations as well as ideally located for easy access from the M1 and M62 motorway networks. They will offer a discount of up to 25% (Prices start from £25) to serving police officers and up to 15% (Prices start from £28) to immediate family members.

Please contact the Federation office on 01924 295494/5 for your discount code.

For more information please click here.

NHS Nutrition Information

It is important to eat well and keep active to maintain a balance diet. For more information please click here.

Tricare Health Fund offers cover for the cost of treatment of short term acute conditions in private hospitals or as a private patient in an NHS hospital.

Tricare Health Fund has been established by the Police Federations of Gloucestershire, West Mercia and West Yorkshire to administer their discretionary health funds. We believe we offer excellent value for money comparing the cost of premiums and the amount of coverage on offer.

Simply make one, affordable payment every month, and you can join the many thousands of police officers, community support officers and administration personnel who already rely on Tricare for the medical treatment they need.

No-one understands your needs as well as we do; and we judge each case accordingly.

Tricare can pay for consultations with experts, x-rays, scans, hi-tech investigations and hospital treatment as well as physiotherapy.

For more information please click here

The below gyms offer discounts to police officer and police staff.


Pure Gym

For more information on what puregym have to offer please visit their website. For more information please click here.


Xercise4less

25% Discount to all federation members! Gyms at Xscape and Wakefield. For more information please click here.


Iveridge Health Club

£44 per month for a 12 month agreement, the first month will include an additional £50 results fee. For the first 4 weeks members will meet with a personal trainer for an hour each week and will have a full health and fitness assessment at the start of the 4 week plan and one again at the end of the 4 weeks.

£484 upfront payment means you get a 12 month membership for the price of 11 plus the additional £50 results fee (total payment £534) for the 4 week personal trainer package when joining online.

For more information please click here and quote ‘fit4work’ or call on 0113 2887666.


DW Gym Offer

6 month min term direct debit peak £34 / off peak £25.50.

  • 1 x personal training session plus programme.
  • 3 x guest passes.

6 months upfront Peak £204 / Off peak £153.

  • 1 x personal training session plus programme.
  • 6 x guest passes.

Annual Upfront Peak £408 / Off peak £306

  • 2 months free.
  • 2 personal training sessions plus programmes.
  • 12 x guest passes.

All members receive 10% off in the club store and access to any other DW Sports Fitness Club.

For more information or to make an appointment please call the gym directly on 01924 444450.

Mental Wellbeing

Please click here to access management tools, help and advice on how to cope and manage with stress.

A telephone support service which provides access to a Personal Nurse Adviser for you and your family to provide support in the event of:

  • Serious Illness
  • Bereavement
  • Long Term Disability
  • Stress
  • Support for people when discharged from hospital

Your Personal Nurse Adviser will be able to assist with:

  • Help in understanding the condition and all its implications
  • Explain options for treatment
  • Help to prepare for consultants appointment
  • Explain medical terms in simple everyday language
  • Help families to cope with consequences of illness
  • Information and advice on home adaptations/specialist equipment
  • Find suitable equipment & medical aids
  • Provide information on entitlements from NHS
  • Helping you to make as speedy recovery as possible and good long term management of their condition, or
  • Simply a listening ear when you are feeling low, or want to talk to someone who is not emotionally involved.

At the discretion of the nurse, when clinically necessary they may be able to arrange extra help.

The RedArc service is free of charge and confidential. If you think you may be eligible you should ring RedArc on 01244 625183 in normal business hours. (subscribing federation and group insurance members only)

Amanda is a fully qualified counsellor and hypnotherapist, a registered member and bound by both the BACP (British Association for Counselling and Psychotherapy) Ethical Framework for Good Practice and the GHSC (General Hypnotherapy Standards Council) Code of Ethics.

View PDF for more information

For information of independent counselling and support services please click here and visit the helpful information section.

For advice and guidance on this subject, please click here.

Financial Wellbeing

Sarah Siddons, St James’s Place Wealth Management

Sarah Siddons Financial Planning, Partner Practice of St. James’s Place Wealth Management, is proud to offer a bespoke wealth advice service to retiring police officers. Sarah is experienced at working with retiring officers predominantly within West Yorkshire Police, advising them generally about how to restructure their financial situation and providing important peace of mind to help them maximise income in retirement. By understanding your individual needs, we can introduce a service aimed at helping you gain control of your financial future. To facilitate ongoing and regular reviews of your financial circumstances. Organising forums and seminars that enable you to be kept up-to-date with the latest financial issues. Using in-depth knowledge and expertise to offer support and guidance to help you and your family through any unexpected events experienced during your career and throughout retirement.

Click on this link for more information

Farleys Solicitors LLP

Free Debt Advice from Mark Skinner of Farleys Solicitors LLP

As part of your Group Insurance Legal Expenses Policy, you’re entitled to free debt advice from my firm, Farleys Solicitors LLP, where I’ll be your primary contact. I can give you advice and information on a full range of debt-related areas including:

  • Individual Voluntary Arrangements (IVA)
  • Bankruptcy
  • Debt Management Plans (DMPs)
  • County Court applications
  • Mortgages arrears
  • Unsecured debt arrears

My aim is to help you find the right solution to your individual debt problems, based on the type and amount of your debts, and other aspects of your financial circumstances.

Start managing your debts today

The sooner you take action to tackle your debts, the sooner you can start moving on with your life. Please call me today on 0845 050 1958 for free, confidential, specialist debt advice on the phone, or to set up a meeting at one of my debt surgeries.

For more information click here


Aperture – Experts in Brighter Futures

If you are struggling with debt or know someone who is, then you’ve arrived in the right place. No matter what your level of debt or your individual circumstances, you should know:

1. You are not alone. We deal with people with widely varying levels of debt and for many of them, struggling with their debts alone can have an impact on other areas of their life, such as family life and relationships.

2. We are here to help, not judge or lecture. We treat our clients as we’d like to be treated ourselves and that’s what sets us apart.

3. We are trained experts, here to help you find the right solution that is best for your individual needs. We will also continue to support you through the entire process and throughout the life of your IVA.

An IVA could be an option for you if:

  • You have unsecured debts of over £7,000
  • You have something to offer a) Disposable income from £50 per mont

b) Lump sum (full and final offer)

  • You have 2 or more creditors

Once approved, an IVA:

  • Legally stops all interest and charges on your debts
  • Prevents your creditors contacting you or taking legal action
  • Protects your assets: your property, vehicle, job or tenancy

We offer face-to-face meetings as well as telephone appointments and you can contact your local advisor, Gillian Downing,

to discuss your options on 07970871508 or gillian.downing@aperture.uk.com


Police Credit Union

Like a bank, a credit union like Police CU offers savings accounts and loans. But because we’re a credit union, we don’t use your money to pay massive executive bonuses or speculative shareholders.

Exclusively for the Police and Law Enforcement Family

No hidden charges, no hard sell.

Deduction of savings and loan repayments via payroll (in most forces)

No admin charges, fees or early resettlement charges.

Life cover provided at no extra charge.

Simply here to help….no catch!

Even if you’re saving small amounts or taking out just a little loan, you’re important to us – honestly! – so get in touch and find out more.

www.policecu.co.uk

Police Credit Union – Important Information


Hanson Wealth Management

Independent financial advice in all areas of personal and corporate financial planning. An initial consultation with an IFA is provided free of charge over the telephone or face-to-face. Specialist advice includes pension funds, pension transfer, investments bonds, ISA, annuities, key man insurance, low cost life assurance, equity release, long term care planning.

www.hansonwealth.co.uk


Blue Wealth Investment Management Services

Blue Wealth provides highly professional, unbiased, financial advice and investment management services; delivering planning solutions that are advice led, not product driven.

Linder Myers

Linder Myers offers members of the police family discounted fixed price legal fees for residential conveyancing. Please contact us on 0800 042 0700 or visit our website www.lindermyers.co.uk to obtain more information or a quote.


Mortgage Clinics: NOW OPEN TO BOOK!

As part of our Financial Wellbeing campaign, we want to provide you the support you may need to ensure your financial affairs are in order. We have been able to secure Mortgage Clinics into 2017, giving you access to completely FREE mortgage advice.

Sessions are being held at West Yorkshire Police Federation Offices on the following dates:

26th January 2017 – Federation Offices, Trenarren, Wakefield (9-4)

23rd February 2017 – Federation Offices, Trenarren, Wakefield (9-4)

30th March 2017 – Federation Offices, Trenarren, Wakefield (9-4)

So, how can we help you?

First Time Buyer?
Take out the confusion of finding the right mortgage as we search the whole mortgage market to find you the most suitable deal.

Remortgaging?
We could help you reduce your monthly mortgage, raise money to pay for home improvements or a new car and help you access the benefits of a flexible mortgage.

New to buy to let?
If you’ve always dreamt of that holiday home or are looking to buy an additional property as an investment, we can ensure you receive quality independent mortgage advice on these issues.

Need help to buy?
We can help both first time buyers, and those moving up the property ladder, buy a home with as little as 5% deposit.

Looking for general advice?
Curious as to how much you could borrow? Personal and family protection? Moving house? We can give you all the information you need.

Our mortgage advice ranks very highly amongst our members. Of the members who responded to our survey, 100% considered our mortgage advice service to be ‘outstanding, excellent or very good

It’s easy to book, just follow this link Choose your preferred date and fill in the required information form.
Once received, one of our helpful mortgage handlers will get back to you and book you in for your requested time.

Please note: Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if your remortgage. For members, Police Mutual provides free mortgage advice and receives a commission from the mortgage lender which we use to fund this service.


NO1 CopperPot

No1 CopperPot is a Credit Union set up by the Police, for the Police; offering savings loans and mortgages. No1 CopperPot is exclusively for Police Officers, including retired Officers, Police Staff, PCSO’s, Specials and their families. We offer payroll deduction in many forces, including West Yorkshire, to make saving or repaying much easier.

Membership is available by saving £5 per month with us, this gives you access to any of our other saving, loan or mortgage products. The money remains yours and is available for you to withdraw at any time. There are many benefits to being a member of our credit union, including:

  • You will receive your share of the credit union’s profits every year, in the form of a dividend.
  • The rate you see on our loans is the rate you get – no representative rates.
  • Life Cover is included with our savings and loans, terms and conditions apply.
  • Once a member, you’re always a member – even if you leave the Police force.
  • Mortgage applications are dealt with by our team of Mortgage Specialists who guide you through the process.

For more information please call 0161 741 3160 or visit www.no1copperpot.com


Police Federation Mortgages

We specialise in delivering a fantastic mortgage service to police officers, staff and their families.

Information that you may find useful when considering buying a new property, switching lenders or releasing equity from your home.

Police Federation Mortgages has been providing advice and arranging mortgages for Police Officers for many years now and in 2008 became part of Hanson Financial Partners, a national Chartered Financial Planning group. The mortgage service is mainly telephone and email based to fit around the unique schedule that police officers work to. We find that this is the way that is most convenient to our clients. Our deep understanding of the mortgage market and how it applies to police officers means we can quickly identify the lenders who will welcome the applications and filter the deals to find the best for the individual circumstances of each client.

www.polfedmortgages.co.uk


Police Mutual Mortgages

Federation members have access to the Police Mutual Mortgage Advice Service, which now incorporates advice previously provided by Forces Financial and Harmans.

For over 140 years, Police Mutual has been helping serving and retired Police Officers and Staff, Specials and their families with their finances. From savings and investments to advice on finding the right mortgage, Police Mutual can help.

Their mortgage advice service is an independent service that searches the whole of the mortgage market and over 80 leading UK lenders to find the most suitable deal for you. With thousands of products and access to exclusive deals, you can rest assured you’re in safe hands.

Police Mutual advisers are not tied to a particular bank or building society; they are totally independent and impartial, so there’s no hard sell.

If you are thinking of buying your first home, moving house or are wondering how re-mortgaging could help keep your mortgage costs down, book a one to one session with one of their expert advisors at their next local mortgage clinic.

The one to one sessions are free to attend and they run regularly throughout the year, giving you access to their local adviser. So, if you are…

  • considering your options because your current deal is about to end
  • thinking about buying your first home
  • moving house
  • helping your children onto the property ladder
  • OR simply wanting to have a chat about your mortgage

Book your slot with by contacting Police Mutual on 0800 652 8984.

A full list of clinic dates for is available from the team at Police Mutual who make the arrangements for you.

If you can’t wait for a clinic, give Police Mutual a call to arrange an individual appointment with you at a time that’s convenient for you.

Group Insurance

West Yorkshire Police Federation Group Insurance Scheme – Philip Williams & Co

If you are a Federation subscriber you can join the Group Insurance scheme, £23.99 for single membership and £30.69 for member plus spouse membership. The benefits included are:

  • Life Insurance
  • Terminal Prognosis on Life Insurance
  • Child Death Grant
  • Critical Illness
  • Child Critical Illness
  • Permanent Total Disablement from any occupation
  • Permanent Total Loss of eye(s), limb(s), hearing, speech
  • Permanent Disabling Injuries
  • Casting Benefit due to an Accident
  • Accidental Damage to Teeth
  • Unsocial Hours Benefit
  • On-Duty Assault Benefit
  • Unrecovered Criminal Court Compensation
  • Reg 28 Sick Pay Benefit
  • RedArc Plus
  • Worldwide Travel Insurance
  • Legal Expenses
  • Home Emergency
  • Motor Breakdown
  • Mobile Phone Insurance

For more information go to www.wypf.polfed.org or ring 01924 295 494/5


Police Insure

At Police Insure they recognise that hunting around to find cheap car insurance can be a minefield, with over 20 years experience in supplying insurance they’re here to help. Now offering specially discounted Police insurance to all serving & retired Police Officers, Specials, Staff and Partners. They work closely with a select panel of the UK’s top insurers which allows them to offer these amazing discounted Police Insurance rates.

Why choose our Police Car Insurance?

  • Up to 40% discount for all serving and retired Police Officers, Specials, Staff and Partners
  • FREE courtesy car on fully comp policies
  • Optional Drivers Legal Protection
  • Up to 65% No Claims Discount
  • Also insure Classic Cars

“Took your advice and contacted Police Insure re my car. The quote I got back was £550 cheaper than my present insurer. As it was up for renewal at the end of the month I chose to swap.”

Learn more about Police Insure by visiting www.policeinsure.co.uk

Call 0161 762 4416


Abbey

Background – The insurance scheme was set up ten years ago at The Royal Ulster Constabulary Athletic Association incorporating The Police Service of Northern Ireland in Belfast to provide a quality insurance product for serving and retired officers, support staff and their families. The products offered are Motor, Motorcycle, Home & Contents – Buy to Let. The scheme has been extended over the past few years to include other GB police forces including West Yorkshire, South Yorkshire, Greater Manchester, West Midlands, Lancashire and Northumbria.

Advantages are Quality insurance scheme offering exceptional value and service. All information securely held. No cross selling from other businesses. Free phone number for our customers.

“I saved £137 on my house insurance with Abbey and the service was excellent.”

“My insurance company quoted me £600, Abbey managed to get me a policy with exactly the same cover for £350 – protected bonus, courtesy car, business use etc. It is well worth giving them a bell.”

Freephone 0800 7833211


Police Mutual

We’ve been working with the Police family for over 45 years, arranging insurance products and services specifically for serving and retired Police employees and their families. When you’re looking for car or home insurance we know getting the right level of cover is as important as the cost, so we make sure our insurance products offer cover at a level to suit you.

Our highly experienced, friendly advisers in Liverpool are experts in insurance and are here to help you particularly at the time when you need us most – when making a claim.

Car Insurance

  • Our car insurance policies are exclusively for Police Officers, Staff and their families, this means your policy is more likely to meet your needs and even covers Police Officers for driving on official Police business and for carrying Police kit.
  • Interest-free monthly payment options
  • No admin fees for making changes to your policy
  • Lifetime no-claims discount
  • 10% multi-car discount on each other car insured with us in your household
  • Uninsured driver cover
  • Your new car could be replaced with our two year replacement benefit
  • Courtesy car after an accident or theft
  • Lifetime guarantee on repairs when you use our recommended repairer
  • 24-hour claims and emergency line

Breakdown Cover

We’ll be there for you when you need us – 24 hours a day, 365 days a year. If your car breaks down, one of our 1250 recovery specialists in the UK will get you moving again, whether you’re at the side of the road or stuck at home. And if we can’t get your car back up and running straightaway, we’ll cover you for up to £100 in emergency accommodation or alternative travel. Best of all, our prices are highly competitive with other UK breakdown services.

Home Insurance

Having home insurance means the things that matter to you are repaired or replaced quickly and without fuss if the worst should happen. Our home insurance policies are created to cover your requirements and if you do need to claim, your personal claims manager will help you every step of the way.

  • Interest-free monthly payments
  • 24-hour claims and emergency line
  • We replace your contents new for old
  • Domestic emergency cover as standard – up to £500 per claim
  • £500,000 of buildings cover and £60,000 contents cover as standard (including outbuildings and their contents)
  • We provide alternative accommodation if you need it
  • You can choose optional extras including legal protection and sports cover

Protecting your family

None of us thinks twice about insuring our car or home. Yet, most of us would say that the most important think in our lives is our family. We can give you the protection you and your family need should the worst happen.
Critical Illness insurance

Life insurance

Accident, sickness and unemployment insurance
Income protection

Travel

If things go wrong when you’re away, our travel insurance gives you the cover you need at a competitive price.

Contact Telephone Numbers

Insurance 0800 121 4456
Saving and Investments 0845 88 22 999
Mortgage Advice 0800 652 8984
Healthcare 0800 032 5888
Independent Financial Advice 0845 88 22 999

Barnes Family Law

We are a specialist niche family law firm offering West Yorkshire Police officers and Police staff a 40% discount on our hourly rate.

Barnes Family law is based in the centre of the West Yorkshire Police district. We are local solicitors who are familiar with the local Courts and are only ever a maximum of 30 minutes from any of the West Yorkshire Courts. We specialise in all family law areas and have particular expertise in dealing with police pensions on divorce.

We offer a free, no obligation initial appointment which can be arranged around your availability at our office or at the monthly surgeries held at the federation office.

FIXED FEE DIVORCE AVAILABLE ON REQUEST***

Our office is out of town with ample free parking and only five minutes from M62 junctions 25 and 26

To find out more about our personal, affordable and reliable service visit our web page www.barnesfamilylaw.co.ukor call us on.


Gorvins Family Law – Nicola Fraser

Nicola’s specialism comprises all areas of Family Law including divorce, complex financial matters, pensions, issues relating to children, and domestic violence. Whether you’re facing a divorce, separation or want the right to see your children, it’s essential that you get advice from a solicitor who understands your needs.

Police divorce cases are unique. They involve your most valuable and hard-earned possession – your pension. Most solicitors are unfamiliar with the effect a divorce can have on your pension. This lack of knowledge could cost you, as you won’t receive clear advice on all the options available. The Gorvins Family Law team have years of experience, dealing with all aspects of police divorce. We are the only firm in the country with this experience and are in the enviable position of being able to provide specialist representation. Because we completely understand the financial pressures that you face as a Police Officer, our number one priority is to get you the best settlement while delivering value for money.

With Gorvins Solicitors you can rest assured you will receive personal service with:

  • Experts in police pension treatment on divorce and dissolution
  • First appointment free
  • Discounted rates for Officer, Police personnel and their families
  • Over 15 years representing Police Officers across the UK on family matters
  • Local advice surgeries and telephone appointments

“It has been such a relief to get a fair settlement and I put this down to your superior knowledge and experience. I will certainly recommend Gorvins Police Divorce.”

“Gorvins are absolutely professional at all times. Going through divorce is so stressful that I appreciated their straight talk and no nonsense approach.”

Call Nicola for a confidential chat on 0845 6347 999 or email police-divorce@gorvins.com


Linder Myers

The Linder Myers family law department provides expert legal advice for individuals, couples and families with children, in both same sex and heterosexual relationships. They offer expert advice in family law ranging from divorce to money and property.

Click on the link for more information www.lindermyers.co.uk


Natalie Bruce

amily Solicitor at Slater and Gordon Lawyers offering monthly clinics from the West Yorkshire Federation office in Wakefield. Expert in child care law, divorce and finances, including police pensions. Please contact Natalie on 0161 383 3903 to arrange a suitable appointment for your free 1 hour initial consultation, in person or over the telephone

Lynsey Bashforth

Lynsey Bashforth is the owner of Bashforth-Young Solicitor which is a specialist private client practice covering wills, probate, court of protection, Lasting Powers of Attorney, Trusts and Tax planning. Lynsey is offering a free advice clinic at the Police Federation to all police, police staff and family members. The initial consultation is free and any work that they are instructed on will be completed with a 20% discount.

Click on the link for more information www.bashforthyoungsolicitor.co.uk

To make an appointment and obtain an information pack, please ring the Federation office on 35194 or 01924 295494/5

Discounted Lasting Powers of Attorney (LPA) for police officers, police staff and family members.
Bashforth Young usually charge £400 + VAT plus registration fee per financial Lasting Power of Attorney. However if you are preparing a will at the same time they offer a discount as follows:
A package price for a couple of £400 VAT + registration fees for both financial LPAs (a saving of £400 + VAT)
A discounted price for an individual of £250 + Vat + Registration Fee for their financial LPA (a saving of £150 + VAT)


Lasting Power of Attorney offer From Linder Myers

At Linder Myers we understand you want to do your best to make life easier and more secure for your family and for you. Great ways to do this are to make a Lasting Power or Attorney (LPA), to deal with property, financial, health and welfare issues should you become unwell or the unexpected happen, and to make a Will leaving clear instructions for those who survive you.

Linder Myers have a special offer for our members of a LPA at a special rate and including a free will. An LPA is a legal document that enables you to choose someone (the Attorney) to make decisions and act on your behalf when you no longer wish or lack the ability to do so. A financial LPA deals with your finances and property, whilst a health and welfare LPA looks after your medical decisions and care needs.

Click on the link for more information www.lindermyers.co.uk


Wills Service from Slater & Gordon Lawyers

As part of Slater & Gordon Lawyers’ comprehensive service to Police Federation members we offer a free wills service for basic Wills and discounted rates if your requirements are more complex or comprehensive.

Call 0845 601 1908 to talk to our Wills Team. To obtain the discounted service you will need to contact the Federation Office and obtain the discount code.

West Yorkshire Police Benevolent Fund

A Registered Charity administered from the Federation Office.

Purpose

The object of the Charity is to relieve financial hardship by providing grants to the following when they are in “necessitous circumstances”:

  • Serving Officers
  • Retired Officers
  • Police Widows/Widowers
  • Examples of previous grants:
  • Financial assistance for house repairs
  • Money towards emergency childcare
  • Mattress for a terminally ill pensioner
  • Wheelchair for seriously ill retired officer
  • Special chair for terminally ill serving officer
  • Calliper for wife of a serving officer

Loans Fund

This is an offshoot of the Benevolent Fund and is run by a sub-committee of the Benevolent Fund.

The funds originate from the Benevolent Fund donations.

It is to assist serving officers who are in severe financial difficulties by awarding them an interest free loan. When a loan is given to them it is repaid with monthly deductions from their salary.

When a request comes in the officer has to complete a Financial Statement which asks for details of their income and outgoings, the amount requested, the reason for the request and how they propose to repay the money.

It would be expected that the officer had already taken advice on debt management from PayPlan (or a similar organisation such as the CAB).


Police Credit Union

Loans and savings for the police and law enforcement family.

As our membership grows, we try hard to extend your choices, while keeping things straightforward and easy to arrange. Our range of simple savings accounts and responsible loans are offered online and through a network of local branches. Our staff are also here to give you the right information to help you make an informed choice.

Straightforward loans with no hidden charges

Loan decisions not based on credit score alone. Interest rate not dependent on credit score

Types of Loans:

  • Starter Loan – For lesser amounts
  • Resourcer Fixed Term Loan – For when you need to borrow a little extra
  • Responder top-up credit facility – For when you need a bit of flexibility
  • Reloader Overdraft/ Credit Card Alternative – For life’s little surprises
  • Optimiser Loan – Higher Loan, Lower Rate
  • Helper Loan – Alternative to Pay Day Loans

Local branch for West Yorkshire 0845 241 7513


No1 CopperPot

No1 CopperPot Credit Union is a nationwide savings and loans business that is exclusively for Police Officer, including retired Officer, Police Staff, PCSOs, Specials and their families too. Our loans are designed with you in mind and can be applied for online. Our website holds much more information about these products and also has a Loan Calculator available to help you decide how much you would like to borrow and over how long.

  • Member Loan
  • Student Officer Loan
  • Mortgages
  • Budget Account
  • Revolving Credit
  • Commutation Loan
  • 65 Plus Loan

Loan Enquiries 0845 130 1853

www.no1copperpot.com

COPS – Care of Police Survivors

COPS is a UK registered charity dedicated to helping the families of police officers who have lost their lives on duty, rebuild their lives. It aims to ensure that survivors have all the help they need to cope with such a tragedy, and that they remain part of the police family.

Telephone – 0844 893 2055


Blue Lamp Foundation

PC David Rathband had the idea of starting this Foundation while lying in a hospital bed recovering from horrific injuries after being shot by Raoul Moat in the early hours of 4th July 2010 in Newcastle. In the weeks after the incident David came to realise how some members of the emergency services and their families may experience significant financial hardship after being injured in the line of duty. He had the idea of starting a charity which would provide emergency financial aid to cover unexpected costs such as hospital car parking charges, emergency child care costs and travel costs to help relatives visit from abroad.

All of our grants are available to all operational personnel of the United Kingdom’s Police, Fire and Ambulance services who work on either a full-time, part-time or voluntary basis, who become injured whilst carrying out their duty. We have four types of grants available, each focusing on offering support in different ways from recouping expenses to physical rehabilitation. Please take a few moments to read the information on this page about what these are and what they could potentially do for you. If you are unsure as to how we might be able to help you, please get in touch and one of our team will be happy to discuss your case with you in confidence and without obligation.

Telephone – 0871 2345 999


St George’s Police Children Trust

The St George’s Police Children Trust is a registered charity which provides support of a financial nature to children and young people whose police officer parent has either lost their life or had an injury/illness, whilst on or off duty, preventing them from being able to work. Police officers are very often the first responders to serious accidents and dangerous incidents, which can sometimes result in the unthinkable happening. While no amount of money can replace a parent, support from the Charity can provide a degree of financial certainly in difficult times and is provided for on or off duty incidents. Support the Charity, and together we can help safeguard the future of our police officer’s children.

Support can include:

  • Registration Grant
  • Weekly Support Allowance for each child in the family,
  • Seasonal Gifts,
  • Further Education Grants,
  • Ex-gratia Grants for necessary activities or items,
  • Special Needs Grants,
  • One week’s respite break at our holiday home in Harrogate and any subsequent visits at discounted rates.

Website – www.stgeorgespolicechildrentrust.org

Telephone – 01423 504448


Police Dependants’ Trust

The Police Dependants’ Trust is a national charity administered by a small team based in Hampton, London.

The purpose of the charity is to assist in cases of need:

  • The dependants of serving or former police officers, who die or have died, as a result of an injury received in the execution of their duty; and
  • Or police officers, or former police officers, who are, or have been, incapacitated as a result of an injury received in the execution of duty, or the dependants of such officers.

Website – www.pdtrust.org

Telephone – 020 8941 6907


The new police charities booklet can be downloaded here, with further information on support available for police officers and their families.

Holiday Homes & Relaxation

Scarborough Lodge

A four bedroomed detached property situated in the quiet village of Burniston, 3 miles north of Scarborough.

The property has been recently renovated and sleeps up to eight people, with 1 king sized bedroom and 1 twin bedroom on the ground floor and 1 king sized bedroom and 1 twin room on the first floor. The property has a large living room with fire and large screen television, there is a well-equipped dining kitchen with a large table. There is a house bathroom (ground floor) with shower over bath, basin & toilet and a separate shower room (first floor) with basin and toilet. The property also has a fully enclosed garden with a grassed area and decking. An ideal holiday base for couples or families.

  • Electricity, Gas, bed linen and towels all included
  • Large Screen Freeview TV
  • Blu-Ray / DVD Player
  • Broadband Internet
  • Washing Machine
  • Tumble Dryer
  • Separate Fridge & Freezer
  • Enclosed garden with seating
  • Travel cot (Bedding not provided)
  • High chair
  • Child Safety Gates
  • Microwave
  • Dishwasher
  • Large Charcoal barbecue (Fuel is not provided)
  • Sufficient parking for 3 cars
  • No smoking

The property can be let;

Friday to Monday (3 nights) – £225.00
Monday to Friday (4 nights) – £225.00

Subject to availability a 7 day booking may also be available.

Call 01924 295 495, between 10am and 2pm to make a booking

Relax, in a four bedroomed detached property situated in the quiet village of Burniston, 3 miles north of Scarborough. For more information on how to book please click here.


Windermere Lodge

A three bedroomed detached wooden lodge situated on the White Cross Bay Holiday Park, Troutbeck, between Windermere and Ambleside in the Lake District.

The property is a new wooden lodge and sleeps up to six people, with one king sized bedroom and two twin bedrooms. The property has a combined living dining and kitchen area with fire and large screen television, there is a well-equipped dining kitchen with a large table. There is a house bathroom with bath, basin & toilet and a separate on-suite shower room to the master bedroom with basin and toilet. The property also benefits from a decked area with a table and benches.

  • Electricity, Gas, bed linen and towels all included
  • Large Screen TV (selection of Sky & Freeview Channels)
  • Blu-Ray / DVD Player
  • Park-wide Broadband Internet access
  • Washer Dryer
  • Fridge Freezer
  • Microwave
  • Dishwasher
  • Charcoal barbecue (Fuel is not provided)
  • Sufficient Lodge parking for up to two medium sized cars or one large car
  • No smoking
  • Dogs accepted (subject to additional conditions)

The property can be let;

Friday to Monday (3 nights) – £250.00 (Off Peak) and £300.00 (Peak)*
Monday to Friday (4 nights) – £250.00 (Off Peak) and £300.00 (Peak)*

*Peak season is defined as school holidays. Please confirm these details with Office Staff when making your booking.

Subject to availability a 7 day booking may also be available.

For more information on how to book please click here.

Bed & Breakfast at Harrogate and Auchterarder

Take a break, relax and enjoy the excellent weekend destinations of St Andrews, Harrogate, and Castlebrae, Auchterarder.

View the PDF to find out more

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