NATO Personnel Motor Insurance
Motor Insurance for NATO Personnel
We can provide you with cover with over 20 years of combined experience in providing NATO motor insurance to those stationed in Belgium as part of either the SHAPE or (HQ) NATO delegation or if you’re stationed in Germany we can offer cover to you.
Talk to us about the cover that is right for you as STANDARD with also a range of great optional extras to create the perfect package for your needs and budget.
Business Use Included
If you need to use your vehicle for operational use, we provide cover for this as standard.
Over 20 Years Combined Experience
The Forces Solutions Team has over 20 years combined experience of serving UK personnel stationed overseas.
NATO Policies are IPT Free
Being based overseas on a NATO posting means your policies are free from Insurance Premium Tax (IPT).
All Transactions in GBP
Transactions debited from a UK bank account, giving you confidence you won't be affected by currency fluctuations.
Further Benefits for our NATO Policy Holders
Forces Solutions are also able to accept no claims bonus from non UK Insurers (subject to T&C’s). We can also accommodate Left Hand Drive (LHD) vehicles and EU licences without additional premium charges.
Our NATO motor policy provides all the benefits of a UK policy while you are based overseas. Once you return back to the UK you just need to advise of your address to keep the policy in force.
Forces Solutions Limited are a fully approved insurance broker for SHAPE. All the same benefits for both UK/BFG and SHAPE customers.
Forces Local Claims Services
We offer an excellent local claims service with suppliers able to assist you whilst within the EU.
365 Days Full EU Cover
If you’re deployed overseas we provide full EU Green Card cover.
Cover Both On & Off Base
We provide you with full cover both on and off base.
Ensuring You are Adequately Protected
Forces Solutions have specially selected a small panel of insurers providing Motor Insurance policies designed to meet your exact requirements. We employ in-house trained staff that have been through an intensive Military Awareness Program with us allowing them to understand your potential needs.
UK Motor Insurance
Serving as a member of HM Forces in the UK
NATO Motor Insurance
For you if you are posted overseas on NATO deployment
Returning to UK following Overseas
Ensuring you have the best policy to suit your needs for the next 12 months
Visiting NATO Personnel
Including combined physical damage insurance (PD) & local third-party liability protection (TPL).
What Optional Extras Can You Provide?
Do you have everything you need? Although our cover is tailored to your needs, motor insurance can not protect against everything.
For those of you with specific additional requirements, we have sourced a range of additional products which can supplement your cover. Talk to us to find out more about these covers and if they would benefit you.
Motor Legal Protect
Offers up to £100,000 of legal costs cover which can help you claim back uninsured losses such as excess and personal injury. It also helps defend you from motoring prosecutions and claims against uninsured drivers.
Solutions Rescue
Breakdown Cover
What will you do if your car breaks down? – Do you need a helping hand? Get the reassurance you need when you are on the road with our breakdown cover Plus, you can choose from our extra value options.
Guaranteed Vehicle Hire
How easily would you cope without your car? If your car was written off, stolen, or set on fire, how easily would you cope without it? Don’t be stuck without a vehicle, we can provide you with one for up to 28 days.
Excess Protect Cover
Had an accident where you need to pay an excess – How would you like to get your excess reimbursed?
FAQ's
Can you cover all personnel based in Belgium/Germany?
We can assist any British personnel as long as the vehicle is being registered on a NATO approved licencing authority.
In Germany it’s the BFG VLO and in Belgium it’s the SHAPE Licencing Authority.
Depending on your status in Belgium, you may need to register your vehicle with the local Belgian authority. If you are unsure please check this with UK Delegation.
Can you only insure British Personnel based in Belgium/Germany?
Unfortunately, as a foreign Insurer we can under SoFA regulations are only able to insure our own citizens in another NATO nation. The rules allow any British citizen or any “entitled” persons to be insured by us.
I have just arrived and have 90 days EU cover from my UK insurer?
We would strongly advise caution. Green Card/EU cover offered by UK insurers is dependent on you being a UK resident and under the territorial limits part of the contract exclude cover if your not resident in the UK.
More importantly UK insurers don't have the claims infrastrucure to assist you and in the event of a claim, will look to ship your vehicle to the UK where any collection will be at your expense.
Is Insurance in Belgium or Germany more Expensive than in the UK?
Not always - you have to appreciate claims costs are much higher in the EU, so any premium has to reflect this.
We can say with confidence that we price as fair as possible and to compare premiums they need to done fairly and compared against what local insurers charge not what you pay in the UK.
Why Forces Solutions and Not Local Belgian/German Insurers?
Your free to choose your own Insurance provision. There are some significant differences between a UK insurer and EU insurers. We would recommend that when comparing you not just compare price but compare levels of cover. The only area which should be given a bit more attention is regulation. As a British citizen you may not qualify for the EU compensation schemes as the Brexit trade deal did not extend to Financial Services. As a UK regulated firm you have the confidence that not only are you dealing with a FCA authorised firm you are automatically enrolled into the Financial Ombudsman Service and the Financial Services Compensation Scheme in the event things go wrong. Giving you that extra peace of mind.
I have No Claims Discount earned outside the UK can you accept this?
Yes, please contact customer services on 0044 116 4735473 or email info@forcessolutions.co.uk to discuss further.
Can you Insure EU/NON UK Spec Vehicles?
Yes, please contact customer services on 0044 116 4735473 or email info@forcessolutions.co.uk to discuss further.
My Partner has a Non UK Driving Licence can you still insure them?
Yes, please contact customer services on 0044 116 4735473 or email info@forcessolutions.co.uk to discuss further.
Can I pay monthly?
Yes we have arrangements in place and if you hold a UK bank account we can assist.
Do you offer discounts for additional vehicles if we insure them with you?
Yes please contact customer services on 0044 116 4735473 or email info@forcessolutions.co.uk to discuss further.
I have been advised I need to have my residential address on my green card and not my BFPO address
This is a common question, the NATO welcome pack which is intended for all nations does suggest this. However we have specific instructions from the MoD that all serving personnel based outside the UK have to use the BFPO address. We engaged with both the SHAPE VLO and UKNMR and had it confirmed that British personnel are able to register vehicles using a BFPO number.
Will you cover me when I return back to the UK?
Yes, the policy is full European and upon completion of your tour, cover can continue in the UK. We just need to amend your address and re-register your vehicle with the UK registration number.
Please contact customer services on 0044 116 4735473 or email info@forcessolutions.co.uk to discuss further
Do you provide an International Green Card?
We provide all our NATO overseas customers with unlimited 365 day Green Card Cover as standard.
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