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About Military Contents Insurance

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Tailored military contents cover

Designed for uniform and kit issued on a permanent or temporary basis.

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Civilian clothing and personal effect cover

Cover for your civilian clothing and personal effects, including valuables and sports equipment.

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Dedicated military contents team

Our specialist Customer Service Team are there for you Monday to Friday 9am - 5pm.

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Payment for your cover in instalments

You can pay for your military contents insurance via Direct Debit.

Features of Military Contents Insurance

Standard cover

Military accommodation liability cover

Liability to cover accidental damage to your mess or quarter accommodation.

Civilian clothing and personal effect cover

Cover for your civilian clothing and personal effects, including valuables and sports equipment.

New for old military contents cover

We can insure your military and civilian clothing and personal effects including valuables and sports equipment. If your insured items are lost, stolen or damaged beyond repair the policy covers you for a replacement as new for everything except civilian clothing and bed linen, where a deduction will be made for wear and tear. We will always try to replace your goods with the same item or the closest equivalent model.

Military accommodation accidental damage cover

This policy insures against damage caused to your mess or quarter accommodation which you might otherwise have to pay for out of your own pocket. However, you won't be able to claim if you deliberately cause any damage.

Military Contents Insurance FAQs


Are my possessions covered while I'm on the move?


We understand that as part of military life you’re often on the move, which can mean experiencing loss or damage of kit and contents whilst travelling from one place to the next. As such, all our policies provide cover for your kit and contents to the value of the contents sums insured. This is applicable while they are in transit as long as it is a result of any MOD posting.


Where can I find cheap military kit insurance?


It's important to consider the best value insurance rather than the cheapest. When you are comparing policies, compare both the price and the policy to ensure you are getting the cover you need not just a cheap policy.


Are my family's belongings also covered?


Our policies can cover your 'family unit', meaning family contents within the home are covered. Your personal effects cover can extend to your partner and children and also protects their personal possessions whilst away from home. You can also add cover for your children whilst away at school or university as long as the address details are specified.


Is accidental damage included in my military contents insurance?


Yes, if items you own, or are responsible for, are accidentally lost or damaged they are covered. As with most insurance policies, wear and tear and mechanical breakdown are not covered.


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.


How should I split the values of my home contents and items I take away with me?


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. Remember - we insure you on a new for old basis so think how much you contents will cost to replace as new.


Can I pay for my military contents insurance by monthly Direct Debit?


If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.


Where can I find full details of my policy?


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.

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.


Find your insurance documents

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


Call the claims team

on 0345 603 8381 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

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