It is the responsibility of the individual officer to ensure the correct deduction is taken by payroll. If the correct payment is not taken, cover MAY not be provided.

Please note that if you go to NO PAY (due to sickness or maternity for example) your voluntary deductions will also stop, so you need to pay Phillip Williams direct to continue cover. Failure to make the due payment will result in you being removed from the scheme and all associated cover. Please contact the Federation Office for details.

Please note that from 1st January 2021 the insurers have imposed new Sickness/Personal Accident policy and travel policy exclusions relating to Covid-19 and variances. These can be viewed in the scheme documents shown here

** Student officers reminder ** If you have signed your authority forms for the insurance, as per your presentation, your deductions will automatically commence at the end of your free period. Should you wish to withdraw from the scheme please contact the office.

The Bedfordshire Group Insurance Scheme

The Bedfordshire Group Insurance Scheme is arranged by Philip Williams & Company and includes:

  • Life Insurance - £120,000 Serving Member/£40,000 Partner
  • Personal Accident/Sickness Benefits - Member Only
  • Critical Illness - Up to £17,500 Serving Member/£5,000 Partner
  • Legal Expenses - Family Cover
  • Family Worldwide Travel Insurance - Family Cover
  • UK and European Motor Breakdown Cover - Member and Partner
  • Mobile Phone Cover -  Member and Partner

We've been arranging our tailor made Group Insurance Schemes for people in law enforcement since 1984 and have a reputation for providing excellent value for money and customer service.

Need more information or help? Why not call Bedfordshire Police federation office on 01234 842405 or Philip Williams & Company on 01925 604421 and find out more about this group scheme.

Subscriptions cost is:

  • Serving Officer: £28.40 per month
  • Partner: £5.80 per month

Important Policy Documents

Please keep in mind that we no longer print the travel certificate out, so all subscribing members are kindly asked to print documents directly from the website. There is now no Certificate with the new Policy.

Important Claim Forms

With regards to the travel claim form, please contact the claims handlers CEGA on 01243 621248 or email them on

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