In the UK, the legal situation currently is this. With an FM only radio, you can NOT use the PMR446 licence free band, as the radio is too powerful, and has a detachable antenna. You can listen to marine band, but that’s only useful near the coast. You can listen to the remaining taxis and businesses who have not gone digital, and you can listen to the shared business radio. You can apply for a licence to transmit - the basic licence for business is ?75 for 5 years, you share these frequencies with other users. If you want more privacy, you can have a technically assigned licence for ?75 a year. The only chat/family type facility is PMR446 - which your radio is not legal for. You can also become a radio ham with a bit of modest study.
So your radio is not really very useful.
You cannot listen to the emergency services in the UK - they use a TETRA based system, just under 400MHz, but it is encrypted, so nothing to hear. You can probably find a few shops, security guards and taxis at the moment - 165-170MHZ and 452-457MHz (ish) but more and more are going digital.
That’s pretty much the state of play here at the moment. We don’t have the USA’s family type radio licence with higher power - just the low power system