Sml Shield

Trusted by over 400,000 with their insurance needs

Sml Star

Our service is rated ‘Excellent’ on Feefo

Sml Agent (1)

Over 2000 insurance specialists ready to support you

Military Kit Insurance

Worldwide insurance for your military kit

  • Protection for your personal possessions and room contents
  • Cover for damage to service accommodation
  • UK-based support
A shield with a tick inside it on a big translucent blue circle
Foot to waist view of camouflaged soldiers jogging a long a stony track
If you need additional assistance arranging your insurance, find out how our teams can support

One of the UK's leading independent insurance brokers

Trusted brand icon

Overall service rating 4.6 / 5

Based on 4645 customer reviews

Feefo Logo

Why choose Military Kit Insurance

Three head and shoulders, one in front, two behind

Accidental damage cover for military kit

Insurance for items you own or are responsible for being lost or damaged.

Line drawing of sun

Worldwide cover for your military kit

Cover for your possessions worldwide, even when you are deployed.

A rectangle speech bubble with lines

Dedicated military kit team

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

A heart shape

Direct Debit available

You can pay for your military kit insurance in instalments.

About military kit insurance

Jug with cracks across surface

Damage to service accommodation

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.

A small circle with a tick, overlapping the bottom right hand corner of an A4 proportioned paper with lines

Claims team that understand military lifestyles and needs

Our claims team understand military lifestyles and needs, and how your job can have an impact on claims reporting and responses to letters.

Outline of a shield

New for old cover for forces kit

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.

Equal armed cross, in a box, with a hand, palm upwards, underneath

Insurance for items you take on unaccompanied postings

Under our kit insurance policy we would not need to know about an unaccompanied posting and can still cover your items.
Watch our Military Kit and Contents Insurance video.

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.
Smiling women sitting on a rug on a parquet floor leaning on a sofa looking at her mobile

Ready to get covered?

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

Military Kit Insurance FAQs

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 could attract the attention of thieves.

Our kit insurance policy is designed specifically for the insurance needs of members of HM Forces. 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.

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.

Read more FAQs

Read military kit insurance articles

The Victoria Cross – A Military History

We explore the origins of the Victoria Cross and why it’s the highest military decoration awarded in the British armed forces today.

Read more

What to Expect When you Start in the Army

It is important that you understand what to expect when joining the army. Read our article to find out more about army life.

Read more

What Trades Can You Learn in the Army?

Find out some of the most popular trades you can specialise in and the opportunities they provide to build your career after your time in the forces.

Read more