Military Kit & Home Insurance2019-06-14T12:02:51+01:00

Military Kit & Home Insurance

Protecting Your Kit & Possessions Wherever You Are

As a member of HM Forces (or associated civilian) insuring your possessions is important.  This could range from any issued kit (whether it’s permanent or temporary) to personal possessions such as Mobile phones, laptops/tablets etc.

Solutions Kit and Home Insurance is a simple solution to protect your military equipment, personal possessions and any home or room contents anywhere in the world.

Designed for members of the Army, Royal Air Force, Royal Navy, Royal Marines and any associated civilian, Forces Solutions are proud to be working with a market leader in providing one of the most comprehensive policies available in the market.

Working with Trinity Insurance to Provide Comprehensive Cover


Military Kit & Home Contents Insurance

Worldwide Cover

Insure against accidental loss and damage to Kit and Personal Possessions in and away from your home


Insurance tailored for all members of the Armed Forces, Royal Air Force, Royal Marines & the Royal Navy

License to Occupy

We include licence to occupy and public liability upto £20,000 as standard

What Does Military Kit & Home Care Cover

  • Military kit & equipment
  • Licence to occupy cover
  • Theft of money
  • Frozen food
  • Personal possessions
  • Accidental damage
  • Legal expenses
  • Personal legal liability
  • Home or room contents
  • Transit moves
  • Spectacles
Policy Wording

Frequently Asked Questions

What’s Not Covered?

  • Existing or deliberate damage
  • Damage caused by mechanical faults or breakdown
  • Damage arising by wear or tear

Is there a Policy Excess?

Excess is £50 and £75 per claim for small electrical items (mobile phones, laptops, etc.) – in respect of goods in transit the excess is increased to £250 for claims occurring within first 3 months.

Further Information

Personal effects and valuables2019-03-28T19:50:07+01:00

Our military kit and home insurance will cover loss or damage to your personal possessions anywhere in the world on a new for old basis. All small electrical gadgets (mobile phones, iPads etc) are automatically covered for up to £500 each, and we can offer specific cover for more valuable items such as jewellery or watches.

Home or room contents2019-03-28T19:51:14+01:00

Our kit and home insurance offers protection for loss or damage to your room or home contents by fire, flood, and theft. Accidental loss or damage cover is automatically included as are transit moves within the UK or overseas.

License to occupy cover2019-03-28T19:52:33+01:00

If you live in service accommodation, you are responsible for any damage up to the sum currently advised by the MOD. In August 2011, this was set at £20,000 – this applies whether you are living as a single person or in a married quarter. Our military kit and home policy automatically provides cover should you cause any damage.

Personal legal liability2019-03-28T19:53:01+01:00

This provides protection for your legal costs and damages awarded against you, if you, or any member of your family living with you causes accidental injury to other person(s) or damage to their property. Family pets such as cats and dogs (excluding dangerous dogs) are regarded as family members.

Legal expenses2019-03-28T19:53:30+01:00

If you have a legal problem and need to discuss it with someone, our legal helpline is there for you to use whichever country you are based in. In certain areas such as employment disputes, contractual disputes and personal injury you can be provided with up to £75,000 of legal expenses.

Policy excess2019-03-28T19:53:57+01:00

As with most household insurances, our military kit and home policies do have an excess; this is £50 for each and every claim except for small electrical items (mobile phones, iPads etc) which have an excess of £75. In respect of goods in transit the excess is increased to £250 for claims occurring within first 3 months.

How do I pay for military kit and home insurance?2019-03-28T19:54:26+01:00

Payment is normally made by monthly direct debit from your UK bank account – this system is tightly controlled and offers many guarantees for you. Collection is usually made on the first working day of each month.


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