Military home 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 paying by Direct Debit

• No charges for missed payments or policy cancellations

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.

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.

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.