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.

Read more

Here to help

For a quote or insurance advice call:

+44 (0)1242 533 747

01162 407733

Weekdays 9am - 5pm

Request a callback Get a quote Email us
Features
20% Discount and £30 cashback

when you take out Kit Insurance and Kit and Home Contents Insurance*

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

*Offer available to new customers only. Discount is issued immediately. Cashback will be paid by bank transfer following payment of 3 months’ premium and within 6 months of purchasing the policy. Offer applies to Basic Right Dress, Right Dress and Right Dress Advantage products only. Offer expires: 31/12/2014 but can be withdrawn at any time. Calls may be recorded.

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 (1213 reviews)

DateProductScoreCustomer Comment

Static Caravan Insurance (New Policy Holder)

+

I was pleased with the way I was dealt with

Park Home Insurance (New Policy Holder)

++

Excellent price. Excellent telephone manner.

Static Caravan Insurance (Renewal)

+

Your insurance cover is good, but when I renewed my policy after 16 days
I had to ring as my document did not arrive, I then had to have them Emailed
To me I was not happy about this and although I was assured they were posted
The day I paid it is now 6 weeks and they still have not arrived.

Static Caravan Insurance (Renewal)

++

Helpful polite and knowledgable

Static Caravan Insurance (Renewal)

--

I am still waiting for the document to arrive in the post -so experience NOT GOOD!

Static Caravan Insurance (New Policy Holder)

++

The service was straighgtforward, professional and efficent with excellent customer focus

Static Caravan Insurance (Renewal)

++

I feel reassured that my precious caravan is safely protected by a long standing, reliable and caring insurance company.

Unoccupied Home Insurance (New Policy Holder)

+

far to many telephone calls! one on line enquiry generated far far too many calls back. Nearly put me off. But your sinple on line service and cost saved the day.

Dinghy Insurance (Renewal)

++

Easy, Quick, Right Price

Static Caravan Insurance (Renewal)

+

Would have put excellent, however, had to ring again for insurance doccuments to arrive. Person on the phone very apologetic and doc, s arrived two days later, so cant complain at that. Otherwise excellent service.

View all reviews >>

+44 (0)1242 533 747

01162 407733

Weekdays 9am - 5pm

Get a quote

Call me back

For insurance advice


Full name   Contact number    

Please note: This service operates only during office hours.