Military Car Insurance

Our flexible military car insurance scheme and panel of insurers covers HM Forces, serving personnel and veterans in the UK and abroad. We have the ability to cover young drivers, including business mileage and airside / portside cover.

01823 426448

Weekdays 9am - 5pm

About Military Car Insurance

Car

Flexible forces car insurance

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

Claim

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. 

Chat

Team of specialists with a dedicated phone number

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

Direct Debit

Direct Debit available

You can pay for your military car insurance in instalments.

Features of Military Car Insurance

Standard cover

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.

Overseas military car insurance

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.

Military Car Insurance FAQs

Question

I require business use to travel to and from work and other military establishment, will this cost more?

Answer

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.

Question

What ages do you cover for military insurance?

Answer

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

Question

If I have to claim what amount will normally be deducted from my claim (the excess)?

Answer

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

Question

Does the excess increase if the claim is as a result of transit damage or because items were stolen from my car?

Answer

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.

Question

What happens if I want to claim?

Answer

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.

Question

What happens with claims?

Answer

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.

Question

I am being posted aboard and leaving my vehicle in the UK, but it won't be used for 6 months - do I need to let you know?

Answer

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.

Question

I am being posted to Northern Ireland - can my cover be extended to this area?

Answer

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

Question

I require business use to travel to and from work and other military establishment, will this cost more?

Answer

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

Question

I have an international driver's licence - can you insure me?

Answer

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

Question

Can you arrange cover for US Forces based in the UK?

Answer

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

Question

As part of the US Forces I have imported my US vehicle - can you provide insurance?

Answer

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

Question

As a member of the US Forces, can you insure my vehicle on a chassis number so that I can register my vehicle in the UK?

Answer

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

Question

Can I pay for my military car insurance in instalments?

Answer

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.

Question

Where can I find more information about monthly Direct Debit?

Answer

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

Question

Where can I find full details of my policy?

Answer

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.

Question

I'm no longer in HM Forces, can you still help me?

Answer

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

Question

Can you cover prestige vehicles?

Answer

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

How do I make a claim?

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

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 01242 533 748 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim