Military home insurance

Protect your home, plus its contents including your military kit and personal possessions

Our Armed Forces specific home insurance offers you worldwide cover for your home contents, occupiers and personal liability cover and optional combined buildings cover too.

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Here to help

For a quote or insurance advice call:

+44 (0)1242 533 747

01162 407733

Weekdays 9am - 5pm

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Beat your renewal by 5%

Great value now, and when you renew. Call us today and we will beat your renewal price by 5%. And you’ll pay the same price if you renew with us next year**.

This offer is only available when you call us.

See terms and conditions.

**Offer available to new customers only. Not in conjunction with any other offer. 5% off the total renewal price, including fees & charges if applicable, from your current insurance provider, applies to like-for-like cover. Subsequent renewal price, including fees & charges, will be held at the same price subject to no claims being made. Offer not available online or in conjunction with any other offer. Subject to: Minimum price of £50 sight of renewal notice within 14 days of inception and underwriting acceptance of Towergate scheme. Offer expires: 30/9/2014 but can be withdrawn at any time. Calls may be recorded.

+44 (0)1242 533 747

01162 407733

Weekdays 9am - 5pm

Enter your renewal price

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Features

Military home insurance features

  • Covers you worldwide

  • Occupiers and personal liability cover

  • Damage to service accommodation

  • Home contents cover

  • Buildings cover up to £1 million

  • Uniform and kit issued on a permanent or temporary basis

  • Purchased uniform and kit cover

  • Civilian clothing cover

  • Personal effects including valuables, sports equipment, specified laptops, iPods and MP3 players

  • Occupiers legal Liability; we will pay for your legal costs if an incident caused by you injures others or damages their property

  • Pedal cycles and mobile phones (available as an optional extra)

  • 24-hour domestic helpline to help you source a local tradesman in an emergency

  • Optional cover for legal expenses

  • Extension for professionally leased properties covering your building and contents if you're posted overseas and professionally let your property

  • Option to cover children's personal effects at boarding school/university

  • No charges for policy cancellations

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.

Exclusions

Military home insurance exclusions

  • Intentionally caused damage

  • Wear and tear

  • Loss in value

These are just some of the key exclusions/limitations, full details will be found in policy wordings.

FAQs

Military home insurance FAQs

  • Is accidental damage included?

  • Yes, if items you own or are responsible for are accidentally lost or damaged they are covered.

  • Am I covered if I am posted out of the UK?

  • The cover under all sections of the military home insurance product is worldwide, except home contents where cover is restricted to the address shown. If you move within the UK or abroad please let us know your new address in advance to ensure that full transit cover is given.

  • Does my excess increase if the claim is as a result of transit damage or because items were stolen from my car?

  • No, unlike other insurers we do not have "hidden" excesses as this would penalise you when you are most at risk.

  • Is there a limit to the amount paid if items are stolen from my car?

  • No, but if you leave items unattended in your car they must be locked out of sight, either in the boot or glove compartment.

  • Where can I find more information about monthly Direct Debit?

  • If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

Claims

Military home insurance claims promise

With over 60 years' experience in the military insurance market, you can be sure that we pay as much attention to detail when it comes to our claims service as we do throughout your experience with us.

Dealing only with A rated insurers, we have confidence that should the worst happen, your claim will be handled by a dedicated claims team offering the exemplary service that we expect from all of our own team and partners.

Your military home insurance claim

Simply contact the military home insurance claims team using the details within your policy documents and you will be talked through the details of the claim. You will be advised you of the next steps and guided you through the process right through to settlement. Furthermore, backed by an emergency 24 hour helpline you can be sure that you have support from experienced claims handlers whenever you may need it.

 

 

 

Documents

Military home insurance policy documents

Policy documents

Policy Wording [pdf, 204 KB] Policy Summary [pdf, 97 KB]
Reviews

Product Reviews

93% of customers liked our products (1082 reviews)

DateProductScoreCustomer Comment

Unoccupied Insurance (New Policy Holder)

++

Employee very knowledgable with product and helped me understand everything in lay mans terms. Thank you.

Static Caravan Insurance (Renewal)

-

I am afraid that Towergate, through their appointed loss adjusters, consistently refused a claim for over 2400 pounds of wáter damage to the static caused by wáter increase through corner seals. Subsequently the Financial Ombudsman ruled in our favour and the claim was paid with an 8% penalty against the insurers. This saga caused unnecessary delay and worry during a time when it was obvious to us that there was a liability to pay for the internal damage though not the resealing of the corner joints.
We have continued with this company and hope that there will be no repeat of this level of service should another claim arise.

Static Caravan Insurance (Renewal)

++

Excellent service answered all my querries, no problems.

RIB Insurance (Renewal)

++

Fast answering of the phone, friendly and very knowledgable staff who are willing to share their experiences and expertise. A pleasure to deal with this company.

Specialist Insurance (New Policy Holder)

++

Lorraine Francis was very thorough, had a great telephone manner and I really felt as though she understood what we needed. She took time to call back at an agreed time the next day and made the whole process much more personal than most. I would definitely refer any friends and family to Towergate and specifically Lorraine.

Static Caravan Insurance (Renewal)

++

Very good service and prompt answer to telephone!

Specialist Insurance (New Policy Holder)

-

We wanted holiday home insurance and Towergate offered a policy that did not cover many contents if unoccupied for a period. Holiday home insurance should cover unoccupied periods. We were also overcharged as the policy amount, VAT and Towergate fee added up to less than the amount taken by Towergate. When we asked for the policy to be cancelled as it was not suitable for holiday home purposes Towergate did not do this and we had to call again to ask for cancellation. In the end we received a full refund but overall the experience was not good.

Dinghy Insurance (Renewal)

++

Very happy

I have three boats insured on two policies - I wonder whether it would be to our mutual advantage if they were all on one policy

Unoccupied Insurance (New Policy Holder)

+

All questions answered to my satisfaction and in the circumstances, renewed the policy

Household Insurance (New Policy Holder)

++Latest:++

Simon Sorrentino was excellent on the phone, explaining things and answering questions, without being all jargon-y or pushy. He was very pleasant and made the process of switching my insurance to meet our new needs (as foster parents) a pleasant and easy one.


On 16-Sep-2014 the customer changed their rating and added:
It is very useful to be able to have specific insurance needs met now that we are fostering.

See this exchange on Feefo

View all reviews >>

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01162 407733

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