Military contents insurance

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.

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.

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.

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.

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.

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.

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

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.