Offer applies when you take out Kit Insurance and Kit and Home Contents Insurance*
*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 Offer expires: 30/06/2015 but can be withdrawn at any time. Calls may be recorded
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.
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.
Yes, if items you own or are responsible for are accidentally lost or damaged they are covered.
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.
No, unlike other insurers we do not have "hidden" excesses as this would penalise you when you are most at risk.
No, but if you leave items unattended in your car they must be locked out of sight, either in the boot or glove compartment.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
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.
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.
Based on 786 independent customer reviews.