Worldwide insurance for your military kit, personal possessions and room contents.
Call our team to buy military kit insurance over the phone
+44 outside UK. Weekdays 9am - 5pm (3.45pm on the first Friday of each month)
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Known as our Right Dress Basic policy, cover is for your personal possessions and contents worldwide even whilst you're on deployment.
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 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.
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.
| Cover for: | Military Kit Insurance – Right Dress Basic | Kit & Contents Insurance - Right Dress Kit & Home | Home Owner's Insurance - Right Dress Advantage |
|---|---|---|---|
| Kit | • | • | • |
| Personal affects | • | • | • |
| License to occupy | • | • | • |
| Room contents | • | • | • |
| Home contents | • | • | |
| Home owner's insurance | • |
If you'd like to include personal accident cover, legal expenses or insurance for your excess please speak with a member of the team.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
Simply call us with your details and we will advise you on the next steps of the process, right through to settlement.
In line with our service pledge, we will act within 24 hours of being notified of your claim and within five days if you provide us with new information on an existing claim, to ensure that your claim is settled as quickly as possible.
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.
We're here Mon-Fri, 9am-5pm to help with your query.
Read more about the military from our info hub:
insurance guide
In this guide we’ll take you through the key points of our military cover, explain them in straightforward terms and give you some insight into our policies. Read on to find...
View insurance guideWe 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.
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.
The standard excess is only £50. The laptop excess is £125.
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.
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.
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.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.