Military Insurance Guide

Features of Towergate military insurance

• Worldwide cover - Our policies cover your personal possessions and contents worldwide even whilst on deployment, as long as this is specified on the policy.

• Damage to service accommodation (also referred to as 'licence to occupy') - This covers you for any damage caused whilst living in any MOD based accommodation, up to the value of £20,000.

• New for old cover - On everything except civilian clothing and bed linen in which case a deduction for wear and tear will be made. We will always try to replace your goods with the same item or the closest equivalent model.

• Flexible claims process - We accept that as part of your job role it’s not always possible to report incidents of loss straight away - for example, whilst on deployment. For this reason, we are flexible with our claims process and ask that you report your losses no later than 180 days after becoming aware of the loss. Please try to report any incidents as soon as you can though - the sooner we know, the quicker we can resolve the claim for you.

Are my goods covered in transit?

We understand that as part of military life, you’re often on the move which can mean experiencing loss or damage of goods whilst travelling from one place to the next. As such, all of our policies provide cover for your goods to the value of the contents sums insured whilst they are in transit (for the purpose of an MOD posting).

I’m moving abroad as part of an MOD posting and need to place goods in storage. Will these be covered?

We can offer additional levels of cover for your goods that are placed in storage, but this is subject it terms. Please speak to an adviser if you think you may need this type of cover.

Are my family's belongings also covered?

Our policies can cover your ‘family unit’, meaning contents within the home are covered. Your personal effects cover can extend to your partner and children and also protects their personal possessions whilst away from the home. You can also add cover for your children whilst away at school or university as long as the address details are specified (right dress and home policies only).

Do you have a specialist policy for Gurkha families?

For Gurkhas with family travelling to the UK, we can cover medical expenses should your family need urgent medical or dental treatment during their trip.

What is home service clothing?

Our underwriters define home service clothing as:

• Ceremonial clothing
• Items of kit
• Medals and decorations normally carried or worn about the person

These will have been issued to you on a permanent or temporary basis for your sole personal use and you are personally responsible for them and do not hold them for the benefit of others.

You may know home service clothing by another name, such as 'full dress uniform', 'dress uniform', 'full dress' or maybe your 'number 1 dress'.

It is usually a special formal military uniform reserved for parades, ceremonies, official receptions and other special occasions. Uniform design may be distinctive to a service (Air Force, Army or Navy) or to a regiment or branch of service. 

Insurance jargon buster

An Unoccupied property is one that has not been lived in for than 30 consecutive days or is insufficiently furnished for normal occupation.

An Excess is the payment you make towards a claim on your policy.

Military insurance exclusions explained

As with all policies, certain conditions apply. A full list of exclusions is detailed in the policy documents. Here are a few common exclusions you should be aware of:

• Mechanical or electrical breakdown for mobiles, laptops, tablet computers and pedal cycles is not covered on the policy. However, these items are covered for theft and accidental damage.

• Service firearms and ancillaries are not something we can provide cover for.

• Unoccupied homes are not covered for loss or damage caused by theft or attempted theft. See unoccupancy clause for full description in the insurance jargon buster section. If your home will be unoccupied it is best to discuss this with us, so please give the team a call.

Military insurance with Towergate

As a specialist insurer, we understand what military personnel want from their insurance. Combined with our flexible and helpful approach to customer service, we’re confident that our cover and service will give you financial confidence and provide essential support where it’s needed most. Visit our military insurance page for more details.