Offer applies when you take out Kit Insurance and Kit and Home Contents Insurance*
*Offer available to new customers only, subject to underwriting acceptance. Discount is issued immediately. Cashback will be paid by bank transfer following payment of 3 months’ premium and within 6 months of purchasing the policy. Offer applies to Basic Right Dress, Right Dress and Right Dress Advantage products only. Offer expires: 30/06/2016 but can be withdrawn at any time. Calls may be recorded.
Cover for uniform and kit issued on a permanent or temporary basis and purchased kit and uniform
Cover for technology and gadgets including specified laptops, tablets, games consoles, e-readers, iPods and MP3 players
Option to specify mobile phone
Cover for your civilian clothing and personal effects including valuables and sports equipment
Option to specify pedal cycles
Home or room contents
Liability to cover accidental damage to your mess or quarter accommodation
24-hour domestic helpline to help you source a local tradesman in an emergency
Cover for children's personal effects at boarding school/university
Personal legal liability, paying your legal costs if an incident caused by you injures others or damages their property
Optional extra cover
Optional buildings cover up to £1 million
Option to include legal expenses
Extension to include professionally leased properties if you're posted overseas, and we'll continue to cover your building and content
Prefer to spread the cost of your policy?
Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.
To find out more about PCL and direct debit payments, select Direct Debit.
*To understand more about how PCL work together with Towergate, please read our Regulatory Information.
The first £50 of each and every claim, except for claims in respect of laptops, when the excess is the first £125 of each and every claim.
Service firearms and their ancillaries.
Loss or damage caused by wear, tear, depreciation, rot, fungus, beetle, moth, insects, vermin, domestic pets, infestation, damp, rust, mildew, atmospheric or climatic conditions, the effect of light or other gradually operating cause
Mechanical or electrical breakdown or misuse
Pedal cycles unless specified
Any living creature
Loss of mobile phone air time
Loss or damage to laptop/tablet computer unless specified
Certain losses or damage if any endorsement/clause is shown on your policy schedule
No cover is provided for boats, boards or water craft of any kind
No cover is provided for items used for business or professional purposes
No cover is provided for any motor cycle, or other mechanically or electrically propelled vehicle, aircraft or caravans
Restrictions apply for theft from an unattended vehicle
These are just some of the key exclusions/limitations, full details will be found in policy wordings.
Yes, if items you own or are responsible for are accidentally lost or damaged they are covered.
You are covered worldwide, except for home contents where cover is restricted to the address shown but if you move within the UK or abroad providing you let us know your new address in advance full transit cover will be given
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 policy is designed specifically for the needs of members of HM Forces. We have over 60 years' experience in providing special answers to your special needs. If we just insured you when you were unable to find cover for a period when you were most at risk our other clients would be subsidising you. If we were to charge an inflated rate for this period then ultimately it would be better to insure all of your possessions permanently. We don't even need to know about an unaccompanied posting.
No, all you have to do is show the full value of the items you own under each section. There is no need to insure personal items like watches and jewellery twice. The total value of all of the sections you select should then represent the total value of all of your contents and possessions.
Just contact us and in over 95% of the cases we will deal with your claim. Sometimes we feel that the appointment of a loss adjuster will help you to present your claim and speed its progress. Our claims staff 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.
If you have any other queries or wish to discuss any of the points covered above further then please don't hesitate to contact the Sales Team on +44 (0)1242 533 747 or send an email to: Militarykitandpet@towergate.co.uk
With over 60 years' experience in the military insurance market, and with a dedicated team of seven military claims professionals in our offices in Leicester, you can be sure that you have the benefit of talking to military insurance experts should the worst happen.
We are available from Monday to Friday, 9am to 5pm, however if you have a more urgent claim, we have an out of hours emergency service available too.
Simply call us using the phone number in your policy documents and you will be talked through the details of the claim. You will be advised you of the next steps and guided you through 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.
Most importantly of all, when your claim is settled we will ensure speedy payment by BACS straight in to your bank account or to the supplier.