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Military Personal Accident Insurance

Personal accident insurance for the armed forces – all ranks and trades and on all deployments.

  • No additional charges for hazardous occupations (EOD, Special Forces)
  • Optional cover available for your family
  • Hospital cash benefit

Start a quote online, get in touch about military personal accident insurance

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Call the team to get a policy set up today

01242 533 747
01242 533 747

+44 outside UK. Weekdays 9am - 5pm
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Injuries can be a drain on your finances, keep you and your family protected:

Covering a variety of scenarios

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.

War risks and terrorism

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.

Hazardous Occupations

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 an armed forces personal accident insurance policy with us even if you are under orders to deploy.

Three policies to choose from

We have three policies to choose from, each with varying limits of cover depending on the injury. You can compare the three options below.

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

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Military Personal Accident Insurance Claims

In the event you need to claim, please contact CEGA Claims Service on the number below:

Need to make a claim?

01243 621356

Or alternatively, email:

Military Personal Accident Insurance Articles & Guides

Read more about Towergate and the military:

Military Personal Accident Insurance FAQs

Do you cover war and terrorism risks?

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 and terrorist attacks involving the use of nuclear, biological or chemical weapons are excluded.

Where can I find more information about monthly Direct Debit?

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

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