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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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 Offer expires: 30/9/2014 but can be withdrawn at any time.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

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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

 

 

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]

 

+44 (0)1242 533 747

01162 407733

Weekdays 9am - 5pm

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