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Injuries can be a drain on your finances, keep you and your family protected:
Cover applies whether on deployment, in training or off duty. This personal accident insurance can protect you and your family from the financial impact injuries can have. Please be aware, you won't be covered if you participate in professional sport.
While on duty, war risks are covered except if they occur between major powers such as China, the USA and Russia. Claims that occur due to terrorism are also covered provided it is not a nuclear, biological or chemical attack.
There are no additional charges for hazardous occupations such as EOD or Special Forces but we do not cover criminal acts by the insured person. For flexibility, you can set up a policy with us even if you are under orders to deploy.
We have three policies to choose from, each with varying limits of cover depending on the injury. You can compare the three options below. Just note - self-injuries and injuries sustained while under the influence of drugs or alcohol are not insured.
Not sure which policy you need? We like to keep things simple, the table below shows the options available at each level:
|Level 1||Level 2||Level 3|
|Accidental Death||£10 000||£20 000||£40 000|
|Permanent total disablement from any and every occupation||£20 000||£40 000||£80 000|
|Permanent total disablement from usual occupation (HM forces personnel only)||£10 000||£20 000||£40 000|
|Loss of both limbs||£20 000||£40 000||£80 000|
|Loss of both eyes||£20 000||£40 000||£80 000|
|Loss of one limb or eye||£12 500||£25 000||£50 000|
|Loss of speech||£12 500||£25 000||£50 000|
|Loss of hearing in both ears||£15 000||£30 000||£60 000|
|Loss of hearing in one ear||£7 500||£15 000||£30 000|
|Burns||£6 000||£12 000||£24 000|
|Fracture benefit||£250||£500||£1 000|
|Hospital cash (per day) - up to a maximum of 365 days in total||£15 per day||£30 per day||£60 per day|
|Convalescence (per week) - up to a maximum of 52 weeks in total||£40 per week||£80 per week||£160 per week|
|Shrapnel benefit||£300||£600||£1 200|
|Optional term Life||£10 000||£20 000||£40 000|
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
In the event you need to claim, you'll need to speak with the insurer. Davies Group back the policy and have a dedicated claims team for Towergate customers.
Simply contact the team on the number below and talk through the details of your claim. You'll be advised of the next steps to take.
Lines are open 9am-5pm, Mon-Fri
Read more about Towergate and the military:
When you’re calling us for a new quote we may ask if you have any Home Service Clothing, but what is it?
Tattoos have been common place in the army for a few decades now and they have varied from designs relating to specific campaigns and regiments, to images relating to individual’s religious beliefs and experiences.
The Gurkhas are soldiers from the native country of Nepal; the term originates from an old hill town/district known as Gorkha. Traditionally Gurkhas were recruited from Nepali hill areas, but do not hail from an individual group or region.
Yes, war and terrorism cover is automatic for all serving policy holders although, war between the Major Powers (such as China, USA and Russia) and terrorist CBRN attacks are excluded from the policy.
Yes, we do not charge cancellation fees on the policy but, due to the nature of service life would advise you to maintain a personal accident policy for the duration of your service.
Yes, we can arrange this with you over the phone, there are no forms to complete.
Yes, we do not discriminate, all types of military armed forces roles can be covered.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.