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Military Kit Insurance

Worldwide insurance for your military kit, personal possessions and room contents.

  • Flexible claims process
  • Cover for your possessions worldwide
  • Cover for damage to service accommodation

Start your military kit insurance quote online

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Call our team to buy military kit insurance over the phone

01242 533 784
01242 533 784

+44 outside UK. Weekdays 9am - 5pm
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Get £20 Amazon voucher when you take a new policy*

*Terms and conditions for our offer

Offer only available to new customers taking a military insurance policy over the phone. A minimum premium of £75 before Insurance Premium Tax and the Customer Service Charge is applicable. The offer cannot be used in conjunction with any other offers or discounts. Subject to underwriting acceptance. £20 voucher will be issued after one month of cover. Offer expires 31/07/2021 but can be withdrawn at any time. Calls may be recorded. 

Military Kit Insurance Features

Worldwide cover for your military kit

Known as our Right Dress Basic policy, cover is for your personal possessions and contents worldwide even whilst you're on deployment.

Damage to service accommodation

Also referred to as ‘License to Occupy’, covers you for any damage caused whilst living in any MOD based accommodation, up to the value of £20,000. Just be aware this won't include damage which you cause deliberately.

New for old cover for forces kit

New for old cover is provided 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 immediately, especially whilst on deployment. We're therefore more flexible with our claims process for military personnel. You can report your losses to us up to 180 days from becoming aware of the loss. Please still let us know as soon as you can, the quicker we know the quicker we can resolve the claim for you.

Military Kit Insurance Claims

Simply call us with your details and we will advise you on the next steps of the process.

Call us or email us with: your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.

01242 533748

We're here Mon-Fri, 9am-5pm to help with your query.

Military Kit Insurance Articles & Guides

Read more about the military from our info hub:

Military Kit Insurance FAQs

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.

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