Military Kit and Home Buyer's Guide

In this guide we’ll take you through the key points of our military cover, explain them in straight forward terms and give you some insight into our policies. Read on to find out more.

What's in this guide?

What is Military Insurance?

Military insurance is designed to cover a range of possessions owned or rented by military personnel including; uniforms and kit issued to them, personal possessions, home contents, buildings insurance for home owners and damage to service accommodations. This means that regardless of whether you are in single serving accommodations, married quarters, privately renting or even if you’re a home owner, we’re confident we have a policy for you.

What is particularly important about our policies is that we offer to cover your possessions anywhere in the world whilst on MOD posting!


What is Military Kit Insurance?

Military kit and Contents is exactly what it sounds like, it provides cover for your military uniform and kit and allows you to have your personal possessions and home contents insured under the same policy. What is particularly important about our policies is that we offer to cover your possessions anywhere in the world whilst on MOD posting.



Do I need military insurance?

Military life can be stressful at the best of times. You don’t want to be worrying about losing an important part of your issued kit or misplacing/breaking your phone whilst on deployment and having no means to contact home. We want to help combat the stress of having your contents damaged or stolen whilst on posting by offering different levels of cover.

At Towergate, our military insurance is designed to take some of these worries away and allow you to focus on your important line of work. Our policies are constructed specifically for military personnel with your job roles and situations in mind. We offer military personnel the comfort of knowing that they will have the support of a knowledgeable advisor if something goes wrong with their contents, personal possessions or uniform and kit.

Here’s a selection of reasons for investing in military insurance:

Issued military kit and contents
      • Worldwide cover - Our policies cover your personal possessions and contents worldwide even whilst on deployment, as long as specified where necessary on the policy.

      • Damage to service accommodation - Also referred to as ‘License to Occupy’, cover’s 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 where 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 as part of your job role it’s not always possible to report incidents of loss straight away whilst on deployment. As such we are more flexible with our claims process and ask that you report your losses in no later than 180 days of becoming aware of the loss. Still report to us as soon as you can though, - the quicker we know, the quicker we can resolve the claim for you. 

What are the benefits of having military kit insurance?

Our policies are constructed specifically for the military and with that in mind here are a few benefits of taking out this type of insurance.

We offer World Wide Cover on your possessions, contents and military kit even whilst on deployment, as long as they are specified where necessary on the policy. Our policies provide New for Old Cover on everything except civilian clothing and your home where a deduction for wear and tear will be made. We will always try to replace your goods with the same item or an equivalent model.

We understand that as part of military life it’s not always possible to report incidents of loss straight away. taking this into consideration we have a more flexible claims process where we ask that you report your losses in no later than 180days of becoming aware of them. Thought the quicker we know the quicker we can resolve the problem!

For more advice, search for military kit and contents insurance on our website or call to speak to an advisor.  

Frequently asked questions

‘Are my goods covered in transit?’

We understand 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 as long as it is a result of any 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 provided that you update us with the address of the storage unit you use and the total cost of the contents you wish to store. This can be added on as an extra on your main policy. Exclusions to cover include articles of gold or silver or other precious metal jewellery or fur must be contained in a locked safe inside a strong room. (Only available on Right Dress kit & home policies.)

‘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 kit and home and Advantage policies only.)

Insurance jargon buster

Unoccupied - is when the home has not been lived in for than 30 consecutive days or is insufficiently furnished for normal occupation.

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

Public liability - is your liability to other members of the public. We cover legal costs and compensation payments resulting from injuries or property damage to others, which are caused by you, up to the value of £2,000,000 with exclusions.


Tips on getting the best out of your insurance

      • Think carefully about the person items you’d like covered. This includes items normally carried on your person on a day to day basis (jewellery, watches & camera’s etc.) However, we can also add the value of laptops and tablets in this section although they must be specified on the policy. Typically, these are items taken away from the home.

      • Contents of your room or home. This encompasses the entirety of your contents within your home, ranging from any electrical goods (not classed as personal possessions) and furniture, to civilian clothing. This is where it is most important to go around and tally up the value of your contents to get an accurate total value of goods.

      • Some items need to be specified separately on your policy. Due to the valuable nature of certain items, they will need to be specified separately on your policy. The main items to note here are; mobile phones, laptops, tablet computers and pedal cycles.

Military insurance policy exclusions explained

As with all policies, certain conditions apply and it is important to read through the terms of you policy so you know exactly what you are and aren’t covered for. Here are a few you should be aware of:

      • Mechanical or electrical breakdown for mobiles, laptops, tablet computers and pedal cycles is not covered on the policy however they 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 with us so give the team a call.

Optional military insurance features

Below are several optional extras that we can add to the policies that we offer.

Personal Accident - covers you and/or your family in the event of suffering an accident whilst on deployment or in everyday life. There is also an addition to the personal accident cover known as Term Life which covers you for death by natural causes with exclusions applying to both. This optional product is currently unavailable on Right Dress Advantage policies but can be offered as a standalone policy.

Legal Expenses - will insure the legal costs to pursue a 3rd party for up to the value of £50000 per claim. Some of a few examples of this use can be for property damage, personal injury, employment disputes and legal defence. Cover will not be provided for costs incurred without our prior consent and subject to exclusions. This is not currently available on Right Dress Advantage policies.

Insurance 4 Excess - allows you to claim back up to the value of £250 a year back in excess fees where you are the named policy holder. Our policies have a standard excess of £50 for claims and £125 for claims for laptops or tablets.

Why choose Towergate?

As a specialist insurer we’ve come to know 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.

Should you need to claim, our in-house claims service will manage your claim without passing you from pillar to post. Our staff will guide you through each step of your claim and advise you on how to gain swift resolution of your claim. Simply give us a call and we’ll take it from there.

Can we help with anything else?

As one of the UK’s leading insurance intermediaries, Towergate offer a huge range of specialist insurance products. In the marine section alone we offer insurance for; canoe, dinghy, jet ski, wind surf and motor boat insurance just to name a few!

In addition to our large range of personal lines products we also offer a range of business insurance options ranging from landlords to beauticians and builders to shop keepers.

If you’d like any more information on these products and more besides, please visit

Contact us

Visit our dedicated Military Kit and Home Insurance page.

Contact us: Tel: 01242 533747


Write to us: Ellenborough House, Wellington Street, Cheltenham, GL50 1XZ


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