Frequently Asked Questions (FAQ’s)

We have dedicated our business to serving the unique needs of HM Forces. Our products and services are designed for you if you are currently serving, a Contractor or Civil Servant or a Reservist or Veteran.

We have tried to put together a list of the most frequently asked questions we have had over time as well as some general information that may be able to help you if you are looking at this site out of hours or aren’t able to contact us immediately.

Why choose Forces Solutions Limited ?2019-03-22T10:32:19+00:00

Whether you are currently a Regular serving, a Contractor or Civil servant, a Reservist or Veteran getting the right level of cover can be difficult. Especially if you are posted overseas or live in quarters as most UK insurers struggle with your requirements.

Forces Solutions Limited is a specialist broker dedicated to providing products which meet the unique needs of HM Forces.

With over 60 years combined experience in serving the Forces… Forces Solutions Limited doesn’t compromise on cover ensuring that all unique requirements are met and at affordable prices.

Will you cover me in BFG/SHAPE?2019-03-22T10:28:00+00:00

Yes. We can provide cover for personnel and their families based at all bases in British Forces Germany and at SHAPE.

We provide continuous pan-European cover (24/7) and our documents are compatible with both DVLA and the Vehicle Licensing Offices at BFG & SHAPE.

Will you accept by bonus, if it is from the EU/4 Years old2019-03-22T10:35:46+00:00

Yes. We will accept foreign No Claims Bonus from all locations Service personnel are based.

Been driving ages but have no/little NCB.2019-03-22T10:36:17+00:00

We understand the difficulties a Service lifestyle can create and have negotiated a special Driving Experience Discount which allows you to receive a discount similar to the No Claims Bonus system.

The DED takes into account your personal record of driving private and/or military vehicles and takes into account any accidents or convictions you have incurred to create a unique discount in circumstances where a normal No Claims Bonus may not have been earned.

I heard I need business use, can you provide?2019-03-22T10:40:57+00:00

Yes. Unlike most other insurers we understand that to claim your expenses back using the JPA system you MUST have Business Use stated on your Certificate of Motor Insurance.

This is necessary because using your vehicle to and from more than one military establishment is not covered under the definition of ‘Social, Domestic and Pleasure Use’ and the usual ‘Commuting/To & From Work’ extensions that are offered.

We provide the cover free of charge in all our policies.

Do you insure young drivers?2019-03-22T10:41:28+00:00

Yes. We have policies that cover both young and novice drivers (i.e. provisional licence holders or those with full licences held for less than 12 months).

Can I drive other cars?2019-03-22T10:41:54+00:00

The answer here often depends on the insurance company you are dealing with and many refuse to provide the cover.

Under our policies the Policyholder in person is covered if they are over the age of 21 and if it is stated on your Certificate of Motor Insurance.

However, it must be remembered that the cover being provided is limited to just Third Party Only. That means that there will be no cover being provided for the car you have borrowed. Also, you

Can I pay monthly?2019-03-22T10:42:23+00:00

Yes. We offer a plan whereby you pay a deposit of 20% and the balance is paid over nine months.

There is a finance charge of 10.9% and payments will be collected by Direct Debit from a UK Bank Account.

How do I change my policy?2019-03-22T10:42:50+00:00

One simple telephone call to our Insurance Adviser (+44 116 473 5 473) will allow us to take the details and put you on cover immediately.

Our office hours are Monday to Friday 08.30 to 17.30 (GMT).

Do I get a courtesy car?2019-03-22T10:43:16+00:00

If you suffer an accident we provide a replacement car for you whilst yours is being repaired.

Uniquely, if you purchase our optional Legal Expenses scheme we are also able to guarantee a hire car for either 14 or 28 days (subject to Terms & Conditions) even if your car is declared a ‘write-off’ by your insurer which would normally mean your courtesy car would no longer be available.

What happens if I go on deployment?2019-03-22T10:44:06+00:00

Whether you are based in the UK or serving overseas (e.g. BFG /SHAPE) you can arrange for cover under the policy to be treated as ‘Laid Up’.

This means that you can reduce the cover under your policy to cover the essentials only whilst you are away and the car is off the road.

If you can get the vehicle into a locked garage we can reduce cover to just Fire & Theft only and with the expensive Third Party insurance removed you can build up a rebate of 80% of the normal daily premium.   If no garage is available and the vehicle is either on the driveway or secured in a military compound we will provide Accidental Damage cover too and still provide a rebate of 75% of the daily premium.

The ‘rebate’ will be held as a ‘Credit’ on your account which can then be used towards any future premiums charged (e.g. your next renewal premium).

What is NCB?2019-03-22T10:44:33+00:00

No Claims Bonus – also known as No Claims Discount (NCD) is a discount you can earn for maintaining an insurance policy without making a claim.

For each year you are claim free the discount increases thus reducing your premium significantly over that required for a new driver.

What is an excess?2019-03-22T10:44:59+00:00

The Excess under your policy is the contribution you need to make towards any claim you are making.

Most polices carry a ‘Standard’ Excess (i.e. the minimum you will be expected to pay when making a claim) but this will increase if you have elected to reduce your premium by accepting a voluntary excess too.

Also, young drivers (typically under the Age of 25) and Novice drivers (e.g. provisional licence holders and those who have held a licence for less than 12 months) will have an additional Excess to pay.

An Excess will apply to most circumstances you wish to claim under including the Theft of your car or damage to your Windscreen. Normally the Excess to repair your Windscreen will be lower than for a replacement Windscreen.

How much European cover do I get?2019-03-22T10:45:30+00:00

All insurers are currently required to provide a minimum of Third Party cover to allow you to use your vehicle anywhere in the EU.

However, most policyholders would want their normal cover (e.g. Comprehensive cover) to be provided whilst driving on the Continent and most insurers will allow you to do this albeit that some will limit this to a select number of days per year, possibly make a charge and sometimes issue a Green Card as proof of cover.

Our motor insurance policy automatically provides the cover you have in the UK throughout Europe for 365 days per year – at no extra charge.

Are factory fitted options classed as modifications?2019-03-22T10:46:21+00:00

Possibly. There is a vast difference in views between insurers over what is classed as a ‘modification’.

By virtue of the description a ‘modification’ changes the vehicle specification upon which the insurance premium has been based and so the insurer needs to know exactly what has been fitted.

Please speak to our Insurance Adviser if this applies to you

Do you offer second car discounts?2019-03-22T10:47:11+00:00

The policy we have provided for you is unique to your current car and we won’t add cars on to that policy.

However, we do provide a facility called a Mirror Discount which means that any No Claims Bonus you have earned on the car currently insured with us can be used again on your second vehicle.

Please speak to our Insurance Adviser if this applies to you

What optional extras can be purchased?2019-03-22T10:47:40+00:00

We believe in providing you with the best level of cover you can get at the best premium available.

Accordingly our standard motor insurance policy already provides significantly more cover than that provided by some other insurers. Furthermore, as a thank you for purchasing the policy will also provide to you an additional KeyCare policy (free of charge) which provides cover for lost or stolen keys up to £1,000.

In addition, we offer our unique motor legal expenses policy which includes a guaranteed hire car in the event of your vehicle being undrivable following a road traffic accident, suffers fire or malicious damage or is stolen. The cover is available in the UK, Germany, Belgium and Holland.

With the standard Solutions Gold policy you will be entitled to claim a guaranteed hire car for up to a period of 14 days and you can upgrade to the Solutions Diamond policy where you can extend the hire car for up to a period of 28 days (subject to Terms and Conditions).

Please speak to our Insurance Adviser if this applies to you

I have never heard of FSL!2019-03-22T10:48:32+00:00

Forces Solutions Limited has recently been formed and was launched to meet the much needed requirement to provide cover for HM Forces personnel their families and associated civilians following the departure of many of the specialist insurance brokers that previously provided cover.

Whilst the name may be new the personnel behind the scenes are not and collectively they have over 60 years’ experience working with HM Forces to design and negotiate special policies and schemes. The specialists at the helm were, in fact, previously at Forces Insurance before the firm’s purchase by Police Mutual.

What happens when I have a claim?2019-03-22T10:49:31+00:00

We have dedicated claims teams providing support for you whether you are based in the UK, BFG or SHAPE.

One telephone call to our Claims Advisers will get your claim speedily on its way and with you back on the road with the minimum of fuss.

Here are the important numbers for you to ring:

Motor Insurance +44 (0)1246 216 300

KeyCare +44 (0)345 303 0550

Legal Expenses +44 (0)344 770 1036

Guaranteed Vehicle Hire +44 (0)344 576 1560

How do I cancel my policy?2019-03-22T10:50:08+00:00

One simple telephone call to our Insurance Adviser (+44 116 473 5 473) will allow us to take the details and advise you on the best options available.

What is an Airside Risk exclusion and how does this affect me?2019-03-22T10:50:54+00:00

Simply said an ‘Airside Risk exclusion’ means that you are not insured if you are in an area designated for the activities involving aircraft. This can mean the airfield and all areas involved in the maintenance and storage of aircraft parts (i.e. airstrips, hangars and workshops).

The exclusion is to protect insurance companies from catastrophic claims expense if your vehicle comes into contact with equipment or was to cause an aircraft related incident.

However, most insurers wording means that all such areas are not covered even if the incident just involves two private cars bumping in to each other!

Also, it doesn’t just affect RAF Stations either. In fact, anywhere helicopters are used would also constitute an ‘Airside’ area.

Furthermore, some insurers have added extra exclusions to their wording and have expanded the area to include Military bases too.

All our policies have been especially worded to ensure that accidents between two vehicles will be fully covered thus providing the peace of mind that you are properly covered whilst on base.

You’re in Safe Hands

Our policies have been especially negotiated with our insurance companies to provide the cover you need:

We use a small panel of specially selected Insurers who have either signed up to or are supportive of the Armed Forces Covenant to ensure that our products are fit for purpose and can accommodate the unique requirements of HM Forces, associated civilians, Reservists and Veterans. This panel is reviewed regularly. You may ask for a list of Insurers we deal with for these products.

We are fully approved and recognised Insurance broker for British Forces Germany and other NATO locations such as S.H.A.P.E

Our polices are tailored to assist with the unique requirements of covering personnel overseas, including offering suitable add on policies which will cater for these requirements.


Request a quote now

  • This field is for validation purposes and should be left unchanged.

View Our Pledge

Go to Top