Military Car Insurance

Our flexible military car insurance scheme and panel of insurers covers HM Forces, serving personnel and veterans in the UK.

  • We have the ability to cover young drivers, including business mileage and airside / portside cover.
  • Flexible forces car insurance
  • Introductory no-claims bonus 

Call us on 01823 426 448 or get a quote online.

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If you need additional assistance arranging your insurance, find out how our teams can support

Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Why choose military car insurance with Towergate?


Flexible forces car insurance

Our military car insurance includes multi-car insurance, including cover for left hand drive and more.

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Introductory no-claims bonus

If you have a proven driving record, we can offer no-claims bonus with our forces car insurance. No claims bonus from overseas will also be taken into consideration. 


Team of specialists with a dedicated phone number

We have specialist customer service personnel available 09:00-17:00, Monday to Friday.

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Pay by Direct Debit

Choose to spread your payment into 10 monthly Direct Debit instalments.

About military car insurance


Option to alter policy

We understand that being in the military can mean being deployed at short notice. Should you be deployed or posted during the period of insurance, leaving your vehicle out-of-use, we can amend your policy to laid-up cover at a reduced premium, and reinstate full cover upon your return.


Up to 90 days overseas military car insurance

Short-term cover for your vehicle overseas can be considered, even when you are posted.


Range of forces car insurance options, including secondary vehicles

Our military car insurance includes multi-car, cover for left hand drive cars and more.


Specialist service for military veterans

We offer a one to one service for military veterans. We can search our panel to find the best cover for you, recognising your experience.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 01242 533 748 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Military car insurance FAQs

Business use is provided free of charge on all occasions as the policyholder may be required to visit another military establishment for training purposes. Please note that standard business use applies, excluding commercial travelling.

Our policies are available for serving personnel aged 21 and over.

The standard excess starts at £50. Further compulsory excesses may apply, for example for high performance cars and young drivers.

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 could attract the attention of thieves.

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.

We understand that with your job role it’s not always possible for you to report incidents of loss immediately. Therefore, we give you up to 180 days between the incident happening and you needing to report it.

If your vehicle is not being used then you have the option to reduce the cover from Fully Comprehensive insurance to Laid up cover for the time you are away, on your return you can then reinstate full cover for this vehicle and upon renewal of your policy the reduction in premium would apply for the time your vehicle was laid up during the previous insurance period.

Yes, you would need to call us and inform us when you will be posted and your new contact details for full protection.

Business use is provided free of charge on all occasions as the policyholder may be required to visit another military establishment for training purposes.

Yes, we can insure UK, EU and international licence holders.

Yes, we can arrange cover for members of the US Forces based across the UK. 

Yes, we can provide insurance cover for imported left hand drive vehicles for US Forces personnel.

Yes, we can cover vehicles for US Forces personnel on a chassis number for 14 days.

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

Yes, we can help to arrange insurance cover to meet the civilian needs of former military personnel and veterans. 

Yes, we can help to arrange cover for prestige cars. 

Read more FAQs

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