Is accidental damage included with military kit insurance?
Yes, if items you own or are responsible for are accidentally lost or damaged they are covered. Please note that general wear and tear and mechanical breakdown are not covered.
If I have to claim what amount will normally be deducted from my claim (the excess)?
The standard excess is only £50. The laptop excess is £125.
Does the excess increase if the claim is as a result of transit damage or because items were stolen from my car?
No but if you leave items unattended in your car they must be locked out of sight in the boot or locked in a glove compartment. Leaving items on display or hidden under a coat on the back seat will only attract the attention of thieves.
I have a household insurance with another company. Can I just insure the items I take on an unaccompanied posting?
Our kit insurance policy is designed specifically for the insurance needs of members of HM Forces, we have over 60 years' experience in providing specialist advice to our military customers. Under the terms of our policy we would not need to know about an unaccompanied posting.
What happens if I want to claim?
Most of the time it's us you'll speak to but sometimes we feel that the appointment of a loss adjuster will help you to present your claim and speed up progress. Our claims team understand the needs and the lifestyle of HM Forces thus avoiding the need for you to explain how your job can have an impact on claims reporting and responses to letters.
Can I pay for my military kit insurance by Direct Debit?
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.