I think the only way to affect change is to have it tied to pensions, so that there is an internal incentive for them to behave. As it exists, any 'fine' levied

I think the only way to affect change is to have it tied to pensions, so that there is an internal incentive for them to behave. As it exists, any 'fine' levied on police just gets shuffled over to taxpayers (and an insurance policy would be no different -- just another cost of keeping your children safe).