• Forces Mutual Recognised at Silver Level of the Armed Forces Covenant

    Forces Mutual Recognised at Silver Level of the Armed Forces Covenant

    This article was published on 09 June 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    We are proud to announce that Forces Mutual has been officially recognised at Silver level of the Armed Forces Covenant, highlighting our ongoing commitment to supporting the Armed Forces community. Building on our previous Bronze Award achievement, the Silver Award recognises the significant progress made in embedding Armed Forces Covenant commitments across the organisation.

    The Armed Forces Covenant is a national pledge to ensure that those who serve, or have served, in the Armed Forces – and their families – are treated with fairness, respect, and understanding in the communities, economy and society they protect.

    Recognition at Silver level reflects our promise to:

    • Support the Armed Forces community in our workplace and services.
    • Promote Forces Mutual as an Armed Forces-friendly organisation.
    • Actively encourage applications from veterans, reservists, and military spouses.

    For more than 70 years*, Forces Mutual has been dedicated to providing financial services tailored to the needs of the military community. This recognition builds on that heritage and reinforces our commitment to continue supporting those who serve and their families.

    Learn more about the Armed Forces Covenant here.

    *Forces Mutual can trace its origins back to NAAFI Financial Services in the mid 1950’s and since then has been supporting members of HM Forces and their families by providing financial services and welfare support.

    Alex Mculty

  • Four pre-sale checks to see if a caravan is stolen

    Four pre-sale checks to see if a caravan is stolen

    This article was published on 27 May 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    You can find some brilliant deals on used caravans these days, and many people go down this route when purchasing their first, or next, caravan. However, it is sometimes too good to be true.

    Between 2019 and 2022, only 23% of stolen touring caravans were recovered, and many of these are likely being resold on UK soil. It can be easy to start picturing your future caravanning plans while browsing online listings or walking through rows of caravans on a forecourt, but it’s important to look out for warning signs.

    If police identify your caravan as stolen, they will usually take it and return it to its owner, without any financial reimbursement or compensation for you. Any money spent on insurance, storage, or maintenance will also be lost. In some cases, you may even be liable for further investigation or legal costs.

    A bargain can quickly turn into a very expensive mistake, so checking a caravan’s history before handing over money is essential.

    Caravan seller red flags

    Stick to established dealers or recognised caravan retailers where possible. That’s not to say that private sellers have to be avoided, but you should award them with extra scrutiny.

    Take care to study the seller’s profile: how long it has existed, whether it has previous listings/sales, and whether it has any reviews. The main red flags to watch for are sellers with an abundance of caravans for sale without any link to a dealership, and sellers with brand-new profiles with only one listing.

    Unusually low prices or specified cash-only sales should also set off alarm bells. Always meet the seller at their home address, business premises, or storage location, and be wary if they seem evasive, struggle to answer straightforward questions, or push you to complete the sale quickly.

    Four checks to make before buying

    If you’re shopping online, never purchase a caravan before seeing it in person, and before paying anything, work through these four checks.

    Check the VIN

    All caravans built after 1993 have a unique 17-digit Vehicle Identification Number (VIN). This can be found around the structure, including the chassis, windows, and interior (usually near the door frame), and every VIN should match. Check these spots for signs of tampering, like scratches, uneven engraving, or replacement labels, in case someone has covered the original VIN with one that matches the others found on the caravan.

    Use the CRiS database

    Enter the VIN into the Central Registration and Identification Scheme (CRiS) – the UK’s national caravan registration database. This will flag up if the caravan has been reported stolen, who the registered keeper is, if there is any outstanding finance, and whether it has been previously written off.

    There is a fee for this check, but peace of mind is invaluable.

    Ask for the original paperwork

    The seller should be able to provide the CRiS registration certificate, service history documents, and purchase records. Ask the seller for a form of photo ID and check their name and address match the ownership details.

    There are legitimate instances where the seller may not be able to provide all of these documents, or their details don’t line up. This doesn’t automatically mean they’re trying to sell you a stolen caravan, but proceed with caution and be sure to carry out the other three checks in this list to spot any other discrepancies.

    Look for physical signs of interference

    This one might seem obvious, but a stolen caravan may show signs that parts have been altered or removed.

    Check locks, doors and windows for damage or evidence of forced entry, and look closely at badges, branding and fittings. Anything inconsistent or poorly replaced could suggest attempts to disguise the caravan’s identity.

    Trust your instincts

    A comprehensive caravan insurance policy will protect you against a lot of things, but buying a stolen caravan isn’t one of them. A few careful checks before buying can save you a lot of money and hassle later.

    If something feels off, trust that instinct and walk away.

    Looking for Caravan Insurance?

    Forces Mutual are pleased to introduce Compass Insurance who are a specialist provider of caravan and residential park home insurance, with over 50 years’ experience, so they can help you find the right cover for you.

    Compass Insurance is part of the Bspoke Insurance Group Ltd, which also includes Forces Mutual, so you know you’re in safe hands.

    You can get a quote here.

    Alex Mculty

  • Smart Fuel Saving Tips for Forces Families: 10 Ways to Cut Costs Without Changing Your Car

    Smart Fuel Saving Tips for Forces Families: 10 Ways to Cut Costs Without Changing Your Car

    This article was published on 20 May 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    Fuel prices remain high. Many serving personnel and their families feel the impact. Daily travel adds up. This includes commuting, school runs, and changing duty patterns.

    The good news is simple habits can help. You do not need to change your car.

    1. Drive smoothly where possible

    Avoid sharp acceleration and heavy braking. Drive steadily when it’s safe.

    Why it matters: Smooth driving uses less fuel over time.

    2. Check tyre pressure regularly

    Low tyre pressure increases fuel use. It makes the engine work harder.

    Practical tip: Check once a month. Also check before long journeys.

    3. Remove extra weight

    Items in the boot add to fuel costs. This includes kit, bags, and unused gear.

    Simple habit: Only carry what you need day to day to drive safely.

    4. Take off roof racks when not in use

    Roof racks increase drag. This uses more fuel, even when empty.

    Tip: Remove them if you are not using them.

    5. Use air conditioning wisely

    Air conditioning increases fuel use. This is more noticeable on short trips.

    Balance: Use it when needed. Avoid leaving it on all the time.

    6. Keep to efficient speeds

    Driving faster uses more fuel. It also adds wear to your vehicle.

    Best range: Around 45–60 mph, where safe and appropriate.

    7. Combine journeys where you can

    Cold engines use more fuel. Several short trips cost more than one longer trip.

    For Forces families: Routines can change often. But where possible, combine school runs, shopping, and appointments.

    8. Avoid idling

    If you are stopped for more than a minute, switch off the engine.

    Common situations: Waiting at schools, shops, or appointments.

    9. Keep your vehicle well maintained

    Poor maintenance can increase fuel use.

    Key checks: Engine oil, tyres, and air filters.

    10. Review your car insurance

    Your mileage may change. This can happen due to postings, deployments, or flexible working.

    Worth checking: Lower mileage can sometimes mean lower premiums.

    A final word

    These steps will not remove fuel costs. But they can help you stay in control. Small changes make a difference over time.

    Forces Mutual offers Car Insurance designed for serving personnel, veterans, and their families.

    To find out more, see if it’s right for you.

    Call 0151 363 5290 or visit Forces Mutual online at forcesmutual.org/car

    Car Insurance is provided by ERS.
    For your security, calls may be recorded and monitored.

    Alex Mculty

  • Car & home insurance – how do you make sure you get the best value for your needs compared to the cost?

    Car & home insurance – how do you make sure you get the best value for your needs compared to the cost?

    This article was published on 7 May 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    Price increases and rising inflation are putting a lot of pressure on household finances. Many people are actively reviewing their finances and cutting back or eradicating expenditure where possible to make savings.

    Payments and prices will come under the spotlight. But it’s not always a case of searching out the lowest cost, you need to consider your personal needs and the value you want your policy to provide.

    Take insurance premiums for example. Car insurance is a legal requirement in the UK, but home insurance isn’t. So, at the extreme, someone could risk not insuring their home to save outgoings. But what a risk! Damage to the house structure or loss of home contents could be incredibly expensive to redress.

    So, how could you manage the amount you pay for your insurance whilst making sure it is still adequate for your needs? Options to look at could include opting to pay a higher excess in the event of a claim, or not taking out cover for accidental damage. When considering options like this you would need to consider how you would cover any additional costs that might arise in the event of a claim. For example, consider if you could afford to pay the higher excess in the event of a claim. 

    Some insurance policies may promote a lower headline cost, but either not include certain elements that you personally would find useful or need, or make you pay extra for elements that you want to make use of.

    Examples include:

    • You might want to consider a car insurance policy that provides a courtesy car. If as a result of a claim your car needs to go in for repairs you would need to make arrangements to remain mobile for the period that your car is being repaired.
    • You may want to review what policy extras you actually need, being mindful that you would need to consider how you would cover any additional costs arising if you decided to exclude policy add-ons.
    • Specialist Military car insurance policies may or may not include cover on or off base, or laid up cover, just in case you get called up for duty and need to lay up your car. If you are serving military personnel, you may want to make sure your policy covers you for this.

    So, it pays to look beyond the headline cost and get a policy that works for you and your specific needs.

    Reviewing your policy could make sure you have a policy that meets your individual needs and help reduce the chances of you being hit with any unexpected costs.

    If you are reviewing your insurance premium costs as part of your household finances review, you may be interested to know that you don’t need to wait until your renewal date to review and switch your insurance policy.

    Even if you took out an annual policy paid upfront as a lump sum, you may be able get a refund on some of your premiums and switch to a new insurer of your choice. However, some insurance companies may apply a cancellation charge for moving away from them during the term of the policy. You can help protect yourself from these charges by moving to an insurer that will pay some or all of the cancellation fees charged by your old insurer.

    If you moved your car insurance to Forces Mutual, any cancellation fees charged by your old insurer up to a maximum of £125 will be paid. So, you can move straight away without waiting till renewal time. To give you an idea of cancellation charges, according to WeCovr, the average cancellation charge levied so far in 2026 (after the 14-day cooling off period) was approximately £55-£65 – please note that this figure includes car and home insurance. Your existing policy documents should tell you what your exact cancellation charge would be.

    You can check out Forces Mutual Car Insurance here.

    Forces Mutual Car Insurance is provided by ERS.

    Sarah Blair

    ,

  • Is Your Touring Caravan Protected by Your Car Insurance?

    Is Your Touring Caravan Protected by Your Car Insurance?

    This article was published on 28 April 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    Whether you are a seasoned caravanner or have just purchased your first tourer for some well-earned R&R, it is easy to assume that your car insurance has you covered. However, many people wrongly believe that their car policy extends full protection to their caravan while towing. In reality, this assumption can leave you vulnerable if something does happen.

    While your car insurance might offer basic third-party liability while you are on the move, it is not built for the realities of caravanning. It offers minimal protection for the caravan or its contents.

    Where car insurance falls short

    Policy terms vary, so it is essential to review your documents carefully. You should never rely on assumptions; if you are unsure about your coverage while towing, contact your insurer to clarify your position.

    Physical damage

    A comprehensive car insurance policy protects your vehicle during a road accident, but it rarely covers the damage sustained by the caravan you are towing. If an accident occurs, you could be left to fund the caravan repairs yourself.

    Loss or damage often happens when the caravan is stationary. This could be at a storage site, on a driveway, or at a campsite. Because car insurance usually only applies when the caravan is physically attached to the car, you will likely have no financial recourse if your caravan is damaged while uncoupled.

    Breakdown and recovery

    If your car suffers a mechanical failure while towing, your breakdown cover may assist with the car, but it often excludes the caravan. If the car is towed away and the caravan is left at the side of the road, the responsibility and the cost for recovering it falls entirely on you. This can be a significant logistical and financial burden.

    The risk of theft

    Caravans are high-value targets for thieves and can be stolen in a matter of minutes from almost any location. Standard car insurance does not cover the theft of a touring caravan. To ensure you receive a replacement or financial settlement if the worst happens, a dedicated insurance policy is essential.

    Emergency accommodation

    If your caravan is damaged by fire, flood, or an accident while you are on holiday, you may need to find alternative accommodation. Car insurance does not pay for hotel stays or rental fees, meaning a ruined caravan could also mean a very expensive end to your trip.

    Protection for your belongings

    The items we carry in our caravans, from bedding and clothing to expensive electronics and awnings, add up to a significant sum. Car insurance provides no cover for these possessions. Home insurance is also often inadequate, as it frequently excludes items kept in a caravan or sets very low payout limits.

    Liability and legal costs

    If your caravan causes an accident, such as rolling into another vehicle or causing injury to a third party, you could face substantial legal and compensation claims. While your car insurance may provide some basic third-party cover while towing, it is rarely comprehensive enough to cover all caravanning scenarios. Furthermore, it won’t help with legal expenses for disputes involving your caravan or campsite.

    Why specialist cover matters

    In short, car insurance is not a substitute for a dedicated touring caravan policy. Specialist providers understand the specific challenges faced by caravan owners and offer tailored protection that covers theft, accidental damage, and liability.

    Protecting your investment with a specialist policy ensures that your hobby remains stress-free. Considering the potential risks, getting a quote for dedicated caravan insurance is a sensible step for any owner.

    Looking for Caravan Insurance?

    Forces Mutual are pleased to introduce Compass Insurance who are a specialist provider of caravan and residential park home insurance, with over 50 years’ experience, so they can help you find the right cover for you.

    Compass Insurance is part of the Bspoke Insurance Group Ltd, which also includes Forces Mutual.

    You can get a quote here

    Sarah Blair

  • Enter Forces Mutual Free Monthly Prize Draw for Your Chance to Win a £200 Amazon.co.uk Gift Card

    Enter Forces Mutual Free Monthly Prize Draw for Your Chance to Win a £200 Amazon.co.uk Gift Card

    This article was published on 6 April 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    Forces Mutual is delighted to introduce a brand‑new prize draw created exclusively for the Armed Forces community. Whether you are currently serving, part of the Reserve Forces, retired, or supporting someone in the Forces, you now have the opportunity to enter our free monthly prize draw for the chance to win a £200 Amazon.co.uk Gift Card.* This exciting initiative gives members of the community a simple, no‑cost way to take part and be in with a chance of receiving a helpful financial boost throughout the year.

    The prize draw runs from 1 April to 31 December 2026, with a total of nine winners selected during this period. Each lucky winner will receive a £200 Amazon.co.uk Gift Card, ideal for everyday items, seasonal treats, home essentials or simply enjoying something special for yourself. It’s our way of saying thank you to the wider military community for the contribution you make every day.

    *Restrictions apply. Please see amazon.co.uk/gc‑legal.

    How the Prize Draw Works

    Taking part in the prize draw is quick, easy and completely free:

    • Enter once, and you’ll be automatically included in every remaining draw throughout 2026.
    • Each draw closes on the last Thursday of each month.
    • Winners are drawn on the last Friday of each month. Winners will be contacted within 4 working days of the draw date.
    • The winners gift card will be delivered within 30 days.
    • Entry is limited to one person per draw and no purchase is necessary.

    To view the full terms and conditions, please click here.

    Entrants must also meet the eligibility criteria for Forces Mutual products and be aged 18 and over.

    Who Can Enter?

    The prize draw is open to:

    • Serving Military Personnel
    • Reserve Forces
    • Retired and ex‑Forces
    • Family Members
    • Contractors to the MoD
    • Support Organisations

    If you are part of, or connected to, the Armed Forces community, this prize draw is designed for you.

    Why We’re Running the Prize Draw

    Forces Mutual is committed to supporting serving personnel, veterans, and their families. This prize draw is a simple but meaningful way of giving something back to the community.

    Ready to Enter?

    You can enter the prize draw here.

    Good luck and thank you for being part of the Forces Mutual community.

    Prize draw promoted by PMGI Limited trading as Forces Mutual.

    Sarah Blair

  • What Happens When Your Car Is Written Off? A Step-by-Step Guide

    What Happens When Your Car Is Written Off? A Step-by-Step Guide

    This article was published on 17 March 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    If you’re involved in an accident and told your car has been written off, it can feel overwhelming, especially if you rely on your vehicle for work, family life, or regular travel. Understanding what a write-off means and how your car insurance responds can help take some of the uncertainty out of the situation.

    This guide walks you through what happens when your car is written off, step by step.

    What Does It Mean When a Car Is Written Off?

    A car is considered written off when an insurer decides it’s either unsafe to repair or the cost of repairs outweighs the car’s value. This can happen after a collision, fire, flood, or other serious damage.

    The decision is based on safety standards and financial practicality, not just whether the car looks repairable.

    Step 1: Vehicle Inspection and Valuation

    After you submit an insurance claim, your insurer will arrange for your car to be inspected by a qualified engineer. They’ll assess the damage and estimate repair costs, then compare this with the car’s market value before the incident.

    If repairs aren’t viable, the car will be officially written off.

    Step 2: Write-Off Categories Explained

    In the UK, written-off vehicles are placed into categories depending on the level of damage:

    • Category A – Scrap only. The car is beyond repair and must be destroyed.
    • Category B – Parts may be salvaged, but the car itself can never return to the road.
    • Category S – Structural damage, but repairable and able to return to the road once fixed.
    • Category N – Non-structural damage, such as electrics or bodywork, and repairable.

    Only Category S and N vehicles can legally be driven again after appropriate repairs.

    Step 3: Insurance Settlement

    If your car is written off, your insurer will usually offer a settlement based on its pre-accident market value. This reflects what a similar vehicle would have sold for at the time, not the original purchase price.

    If you disagree with the valuation, you can challenge it by providing evidence such as comparable listings.

    Step 4: What Happens to the Vehicle?

    Your insurer will normally take ownership of the car. However, in some cases, you may be able to retain the vehicle if it falls into a repairable category, something to discuss with your insurer directly.

    Step 5: Moving Forward

    Once your claim is resolved, replacing your vehicle becomes the next priority. Having dependable car insurance in place can make this process smoother and less stressful.

    Supporting You on the Road

    For serving armed forces personnel and their families, dependable car insurance offers reassurance, whether you’re commuting, relocating, or managing everyday commitments.

    To learn more about Forces Mutual Car Insurance and how it could support you, visit our car insurance page and explore your options.

    Photo by Jeffrey Paa Kwesi Opare

    Sarah Blair

  • Five Surprising Things About Being an Army Reservist

    Five Surprising Things About Being an Army Reservist

    This article was published on 9 March 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    Being an Army reservist is often misunderstood. Many people picture occasional weekends in uniform or assume it is simply a “part-time version” of regular service. In reality, reserve service comes with unique responsibilities, rewards and challenges that can catch people by surprise.

    Whether you are a reservist yourself, thinking about joining, or supporting someone who serves, here are five surprising things about being an Army reservist.

    1. You balance two careers, not one

    One of the biggest surprises is just how much responsibility reservists carry. Most hold a civilian job alongside their military role. That means switching between two very different worlds – often in the same week.

    Reservists develop strong skills in:

    • Time management
    • Leadership
    • Decision-making under pressure
    • Teamwork across different environments

    These skills often benefit civilian employers too, which is why many businesses (including Forces Mutual!) actively support reserve service through the Armed Forces Covenant.

    2. Training and deployment can be significant

    Many people assume reservists only train occasionally. In reality, training commitments can be substantial, especially during key exercises or preparation for deployment.

    Reservists may:

    • Attend weekly evening training
    • Commit to regular weekend exercises
    • Take part in annual training periods
    • Be mobilised for overseas deployments

    This level of commitment can impact family life, travel plans and finances, so forward planning is essential.

    3. Reservists often use their own vehicles and equipment

    Unlike regular forces, reservists often rely on their own vehicles to get to training locations or exercises. This makes practical considerations, such as car insurance, especially important.

    Some reservists also own personal kit or equipment that travels with them between home, work and training. Having appropriate kit insurance can provide reassurance that essential items are protected if lost, damaged or stolen.

    4. Overseas travel isn’t always straightforward

    Another surprise is how complex travel can be for reservists – especially if you’re deployed overseas and planning a holiday.

    Standard travel policies may not always reflect the realities of reserve service. Reservists should always make sure their travel insurance clearly covers their situation, especially when travelling frequently or internationally.

    5. Families play a vital role behind the scenes

    Finally, many people underestimate the role families play in reserve service. Partners and children often adapt to sudden schedule changes, training commitments and periods away from home.

    Support networks are crucial, and clear communication helps everyone feel prepared and informed. When practical matters like insurance are sorted in advance, it can remove one source of stress for the whole household.

    Supporting your reserve lifestyle

    Being an Army reservist is demanding, rewarding and often surprising. From managing two careers to navigating travel and equipment needs, preparation makes a real difference.

    Forces Mutual offers specialist cover designed with the Armed Forces community in mind, including Car Insurance, Kit Insurance and Travel Insurance. These products are built to reflect the realities of service life.

    Terms, conditions & exclusions apply.

     Forces Mutual Car Insurance provided by ERS.

    Forces Mutual Kit & Personal Possessions Insurance, Forces Mutual Kit Start Insurance, and Forces Mutual Travel Insurance is arranged and administered by PMGI Limited (trading as Forces Mutual) and is underwritten by SiriusPoint International Insurance Corporation.

    Sarah Blair

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  • Stay connected, stay protected: Why Forces Mutual Kit Insurances matter

    Stay connected, stay protected: Why Forces Mutual Kit Insurances matter

    This article was published on 4 March 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    In the military community, staying connected isn’t just a convenience it’s a lifeline. Whether you’re away on training, deployed overseas, or working long, unpredictable hours, the ability to send a quick message home or see a familiar face on screen can make all the difference. Your phone, laptop, tablet, or smartwatch aren’t just pieces of tech. They’re your link to the people who matter most.

    Because of that, protecting your devices is essential and that’s where Forces Mutual Kit Insurances steps in. Unlike standard insurance policies, they are built around the real demands and pressures of military life. They recognise that kits get pushed to its limits, environments change rapidly, and accidents happen even when you’re doing everything right.

    With Forces Mutual Kit Insurances, you’ll get cover designed specifically for situations like:

    • Damage or loss during busy training periods, when schedules are intense and accidents are far more likely.
    • Devices knocked, dropped, or crushed on duty, especially in fast-paced or physically demanding roles.
    • Theft at home, on base, or while travelling, because military life often means moving around and living between locations.
    • Peace of mind for those who rely on tech for online banking, welfare support, and essential admin, making sure you’re never left without what you need.
    • Coverage that recognises that life in the Forces often means shared accommodation and communal spaces, where accidental damage or theft can be more common.

    But it’s not just about replacing what’s broken. It’s about peace of mind knowing that if something happens, you can get back online, stay connected, and keep communication flowing when it matters most. For many serving personnel and their families, that reassurance is invaluable.

    Product terms, conditions, and restrictions apply please check the full policy documents for details here.

    Find out more about Forces Mutual Kit & Personal Possession Insurance and Kit Start Insurance here.

    For Kit & Personal Possessions Insurance a monthly administration fee of £1.50 will be added to your premium and collected by Forces Mutual (PMGI).

    Forces Mutual Kit & Personal Possessions Insurance and Kit Start Insurance is arranged and administered by PMGI Limited (trading as Forces Mutual) and underwritten by SiriusPoint International Insurance Corporation.

    Sarah Blair

  • Why Forces Mutual Travel Insurance has your Back this Easter Holiday Season

    Why Forces Mutual Travel Insurance has your Back this Easter Holiday Season

    This article was published on 02 March 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    As the Easter holiday season approaches, many of us begin to feel that familiar pull, the longing for a break, a chance to reconnect with loved ones, or simply a moment to breathe after the relentless pace of service life. Whether you’re planning a long‑awaited family holiday, a last‑minute winter escape, or a well‑deserved adventure overseas, one thing is certain: you’ve earned it.

    But with the excitement of booking flights, packing bags, and counting down the days, it’s easy to overlook one essential part of preparing for time away: travel insurance that truly understands the Armed Forces community.

    Because your life isn’t like everyone else’s

    Serving personnel and military families live unique lives, with unique demands. Sudden postings, training changes, or operational requirements can disrupt even the most carefully planned holidays. That’s why standard travel insurance often doesn’t cut it.

    Forces Mutual Travel Insurance is built around your reality.
    It’s designed for the uncertainties, the unexpected changes, and the lifestyle that only those in the military truly understand.

    Protection that travels with you

    Whether your trip takes you across Europe, to exotic long‑haul destinations, or simply somewhere warm where you can finally switch off, Forces Mutual offers:

    • Cover tailored for the Armed Forces community
    • Protection for cancellations and disruptions — including those outside your control
    • Support for lost, damaged, or stolen belongings
    • 24/7 emergency assistance wherever your travels take you
    • Family‑friendly options to keep loved ones protected too

    Because peace of mind shouldn’t be a luxury especially when it comes to your well‑earned time away.

    Time together matters more than ever

    The holiday season is fast approaching, and for many military families, this time of year means something special. It’s a chance to make up for missed birthdays, rearranged anniversaries, and time spent apart. It’s a reminder that the memories you create today become the stories you cherish tomorrow.

    And after everything you give throughout the year, the duty, the commitment, the sacrifice, you deserve to enjoy those moments without worry.

    Take off with confidence

    So as you start planning your getaway or early‑year break, make sure you’re protected by a provider who puts the military community first.

    Product terms, conditions and restriction apply see policy documents for full details click here.

    Forces Mutual Travel Insurance: Cover built for service life.

    Find out more here.

    Forces Mutual Travel Insurance is arranged and administered by PMGI Limited (trading as Forces Mutual) and is underwritten by SiriusPoint International Insurance Corporation.

    Sarah Blair