About Military Kit Insurance

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Accidental damage cover for military kit

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

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Worldwide cover for your military kit

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

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Dedicated military kit team

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

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Direct Debit available

You can pay for your military kit insurance in instalments.

Features of Military Kit Insurance

Standard cover

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.

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.

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.

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.

Military Kit Insurance FAQs


Is accidental damage included with military kit insurance?


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.


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


The standard excess is only £50. The laptop excess is £125.


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 could attract the attention of thieves.


I have a household insurance with another company. Can I just insure the items I take on an unaccompanied posting?


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.


What happens if I want to claim?


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.


Can I pay for my military kit insurance in instalments?


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.


Where can I find more information about monthly Direct Debit?


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


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 01273 863 450 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim