• Breakdown Basics: Common car problems faced by UK drivers (and how to prevent them)

    Breakdown Basics: Common car problems faced by UK drivers (and how to prevent them)

    This article was published on 03 November 2025. 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’re commuting, driving between bases, or heading home on leave, a vehicle breakdown can happen at any time – day or night, weekday or weekend. While there’s never a good time for your car to stop working, understanding the most common reasons can help you prepare, prevent issues, and get back on the road faster.

    This guide highlights the top causes of breakdowns in the UK and simple steps to reduce the risks – useful for anyone in the Armed Forces community who relies on their car.

    1. Flat or Faulty Batteries

    One of the leading causes of car breakdowns in the UK is a flat or failing battery.

    Causes:

    • Ageing batteries (typically after 3-5 years)
    • Short, infrequent journeys that don’t fully recharge the battery – common for drivers using their car mainly for base-to-home trips

    Prevention Tips:

    • Recharge your battery overnight every few weeks if your journeys are short
    • Replace the battery every 3-5 years, depending on usage

    2. Alternator Failures

    The alternator recharges your battery and powers essential electrical systems.

    Warning Signs:

    • Flickering battery light
    • Dim headlights
    • Slower-than-normal windscreen wipers

     Alternators can’t be maintained, but spotting problems early can save you from being stranded.

    3. Starter Motor Problems

    The starter motor draws power from the battery to start your car.

    Prevention:

    While there’s little you can do to avoid starter motor wear, regular servicing helps catch issues before they worsen – especially before long journeys or deployments.

    4. Tyre and Wheel Damage

    Punctures, blowouts, or other tyre damage are common on UK roads.

    Prevention Tips:

    • Check tyre pressure and tread depth regularly (especially before long journeys)
    • Carry a spare wheel or puncture repair kit
    • Ensure tyres always meet MOT standards

    5. Misfuelling

    Thousands of UK drivers each year put the wrong fuel in their car – most often petrol into diesel, as the nozzle fits easily into a diesel filler neck.

    If you misfuel:

    • Do not start the car
    • Don’t turn the ignition (this primes the fuel pump)
    • Call your breakdown provider or garage for specialist help

    6. Electrical System Faults

    Modern cars have increasingly complex electrics – faults can affect everything from headlights to infotainment.

    Tip: Other than replacing bulbs, leave electrical issues to a qualified mechanic who can run diagnostics safely.

    7. Low Oil Levels

    Running with low oil can cause severe engine damage, even complete failure.

    Prevention Tips:

    • Don’t rely solely on the oil warning light
    • Check oil levels regularly with the dipstick

    8. Lost or Locked-In Keys

    Lost keys or being locked out is a frequent issue. Many modern keys contain chips, making them secure but harder to replace.

    Prevention Tip:

    • Keep a spare key at home or with a trusted family member while you’re away on duty. Alternatively, if stranded call your breakdown provider or special locksmith.

    Breakdown cover that keeps you moving from £61.60 per year.

    Provided by ERS, Forces Mutual Rescue unlike the AA or RAC, doesn’t have a fleet of branded vans, but utilises UK wide recovery specialists to rescue you 24/7 when your car breaks down.

    UK cover comes with:

    • Misfuelling cover
    • Lost keys and lock assistance
    • Home assistance
    • Onward travel provision should your car not be repairable

    Terms & Conditions apply.

    For full policy cover details including any exclusions, please call 0151 363 5290 or visit our website

    Forces Mutual Rescue (Breakdown Cover) is provided by ERS (Syndicate 218 at Lloyds).

    For your security, all telephone calls are recorded and may be monitored.

    Alex Mculty

  • Common Causes of Vehicle Breakdowns and How to Prevent Them

    Common Causes of Vehicle Breakdowns and How to Prevent Them

    This article was published on 3 November 2025. 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.

    Vehicle breakdowns can happen at any time – day or night, weekday or weekend. While there’s never a good time for your car to stop working, knowing the most common reasons can help you prepare, prevent issues, and get back on the road faster.

    In this guide, we’ll cover the top causes of car breakdowns and what you can do to reduce the risks.

    1. Battery Problems

    A flat or faulty battery is one of the most common reasons for a breakdown. Causes include:

    • An old or failing battery
    • Short, infrequent journeys that don’t allow for a full recharge

    Prevention tips:

    • Consider charging your battery overnight every few weeks
    • Replace your battery every 3-5 years, depending on usage

    2. Alternator Issues

    The alternator recharges your battery and powers your car’s electrical systems.

    Warning signs:

    • Flickering battery light
    • Dim headlights
    • Potentially, slower than normal windscreen wipers

    Unfortunately, alternators can’t be maintained, but spotting early warning signs helps avoid sudden failure.

    3. Starter Motor Failure

    The starter motor draws power from the battery to start the engine when the car ignition is switched on.

    There’s little you can do to avoid starter motor issues, but regular servicing can help catch problems before they worsen.

    4. Tyre and Wheel Damage

    Punctures, blowouts, or damage can happen anytime—often caused by debris or under-inflated tyres.

    Prevention tips:

    • Check tyre pressure and tread regularly, ideally when you make a stop to refuel
    • Keep a spare wheel or puncture repair kit in your car
    • Ensure tyres meet MOT standards year-round

    5. Misfuelling

    Every year, thousands of drivers put the wrong fuel in their cars. It’s easily done. Petrol mistakenly goes into diesel cars more often, as the petrol nozzle fits easily into a diesel filler neck.

    If you misfuel:

    • Do not start the car
    • Avoid turning the ignition (it primes the fuel pump)
    • Call your breakdown provider or garage for specialist help

    6. Electrical Problems

    Modern cars have increasingly complex electrical systems. Faults can affect everything from your headlights to the infotainment system.

    Tip: Other than replacing bulbs, leave electrical issues to a professional mechanic who can run diagnostics safely.

    7. Low Oil Levels

    Oil lubricates engine parts and prevents overheating. Running low can cause severe engine damage – even complete engine failure.

    Prevention tips:

    • Don’t rely only on the oil warning light
    • Use the dipstick regularly to check oil levels

    8. Lost Keys

    Locked out or lost keys? You’re not alone. Newer cars often use microchipped keys, designed to make them harder to steal, but makes replacements trickier.

    Tip: Keep a spare key at home, and if stranded, call your breakdown provider, car dealer or specialist locksmith.

    Breakdown cover that keeps you moving from £61.60 per year.

    Provided by ERS, Police Mutual Rescue unlike the AA or RAC, doesn’t have a fleet of branded vans, but utilises UK wide recovery specialists to rescue you 24/7 when your car breaks down.

    UK cover comes with:

    • Misfuelling cover
    • Lost keys and lock assistance
    • Home assistance
    • Onward travel provision should your car not be repairable

    Terms & Conditions apply.

    For full policy cover details including any exclusions, please call 0151 242 7640 or visit our breakdown page.

    Police Mutual Rescue (Breakdown Cover) is provided by ERS (Syndicate 218 at Lloyds).

    For your security, all telephone calls are recorded and may be monitored.

    Sarah Blair

  • When is the Best Time to Buy a Caravan?

    When is the Best Time to Buy a Caravan?

    This article was published on 27 October 2025. 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.

    Investing in a caravan can transform your family holidays and provide years of memorable adventures. However, choosing the right time to make your purchase can significantly impact both the price you pay and the selection available. So, whether you’re considering a touring caravan for exploring the UK or a static caravan for regular getaways, timing matters.

    Best time for touring caravans

    Pre-owned options

    If you’re looking at second-hand touring caravans, the sweet spot is often late winter to early spring. Many owners decide to sell their current caravan to upgrade before the new season begins, creating good availability.

    However, consider starting your search even earlier – during the autumn and winter months. This quieter period typically offers better negotiating power with sellers and lower competition from other buyers. You’ll have ample time to inspect potential purchases thoroughly without the rush of the approaching season.

    Keep in mind that warranties rarely transfer with second-hand purchases, making quality insurance coverage particularly important.

    New touring caravans

    Autumn presents excellent opportunities for new touring caravan purchases. Dealerships often discount previous season’s models from October onwards to clear stock for new arrivals. These end-of-season sales can offer substantial savings, while still securing a brand-new caravan.

    The cooler months also provide the advantage of making rational decisions without the holiday excitement that warmer weather brings.

    Static caravan timing

    Late September through early autumn represents the optimal window for static caravan purchases. As holiday parks prepare to close for winter, both sellers and dealers become more flexible on pricing.

    This timing offers several advantages beyond cost savings. Winter months typically provide better pitch availability, allowing you to secure prime locations within your preferred park. You’ll also have time to properly winterise your new caravan before the harsh weather arrives.

    Understanding ongoing costs

    Holiday parks charge annual site fees, usually reviewed each autumn with increases reflecting inflation. Purchasing before these reviews can secure you nearly a full year at current rates. Some parks may even offer initial fee-free periods as part of negotiations.

    Strategic purchasing advice

    Successful caravan buying requires patience and research. Late-season purchases generally offer the best value, but excellent opportunities can arise throughout the year. Focus on finding a caravan that matches your family’s needs and budget rather than rushing into seasonal deadlines.

    Whatever your timeline, ensure your investment is properly protected with comprehensive caravan insurance from day one. Get your quote online now. 

    Caravan Insurance is provided by Compass Insurance who are a specialist provider of holiday caravan and residential park home insurance, with over 40 year’s 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.

    Sarah Blair

  • First-time buyer in the Forces? Your guide to mortgages for Military personnel.

    First-time buyer in the Forces? Your guide to mortgages for Military personnel.

    This article was published on 20 October 2025. 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.

    Buying your first home as a member of the Armed Forces can feel challenging, but with the right guidance, it doesn’t have to be. This guide explains what first-time buyers in the Military need to know, the common obstacles Forces personnel face and how the fee-free Mortgage Advice service, provided by Grange Mortgage & Protection Services Ltd can help you secure the right mortgage.

    First-time buyer challenges for Military personnel

    Buying a property while serving in the Military comes with unique circumstances. Here are some of the key things to consider before applying for a mortgage:

    1. Mobility and relocation

    • Frequent postings or deployments can affect where you buy
    • Consider whether the home will be a primary residence, a rental property, or a long-term investment

    2. Income and affordability

    • Military pay, allowances and overseas income can be treated differently by some lenders
    • Not all banks are familiar with Military pay structures. Choosing the right lender is essential

    3. Government schemes to help first-time buyers

    • Schemes such as First Homes (available in England), Lifetime ISAs and Shared Ownership can help you get on the property ladder
    • Forces Help to Buy scheme, allowing regular service personnel first-time buyers, to borrow 50% of their salary up to a maximum of £25,000

    4. Credit history and BFPO addresses

    • Military personnel may face credit score issues due to overseas postings or BFPO addresses
    • Managing your credit early helps avoid delays with your mortgage

    How the Mortgage Advice service supports first-time buyers

    Forces Mutual have been supporting members of HM Forces and their families by providing financial services and welfare support for over 70 years. We’ve teamed up with Grange Mortgage & Protection Services Ltd to provide fee-free mortgage advice to members of the Military and their families, that includes:

    • Specialist Military knowledge – mortgage advisers understand service pay, allowances and posting patterns
    • Independent access across a range of lenders – helping you find a mortgage that fits your circumstances
    • Tailored advice – from Government schemes to buy-to-let options for when you’re posted

    If you’re a first-time buyer in the Armed Forces, don’t let the complexities of military life put you off. With the Mortgage Advice service, you can confidently take your first step onto the property ladder, with advice tailored to you.

    Important information you need to know

    PMGI Limited, trading as Forces Mutual, has chosen Grange Mortgage & Protection Services Ltd to provide customers with a mortgage advice service. Grange Mortgage & Protection Services Ltd will provide you with independent mortgage advice and make a recommendation based on your circumstances and requirements. You will not receive advice or any recommendation from Forces Mutual.

    If you take out a mortgage recommended by Grange Mortgage & Protection Services Ltd, PMGI Limited will receive a fee for the introduction which is a percentage based on the loan amount. We may also earn an additional fee based on performance of our account. If you wish to know the fee we receive please contact Grange Mortgages.

    Grange Mortgages & Protection Services Ltd, is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Ltd. Advanced Mortgage Funding Ltd is authorised and regulated by the Financial Conduct Authority.

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    MOST BUY-TO-LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

    Find out more here

    Mortgages

    Sarah Blair

  • Family-Friendly Ways to Make Christmas Special Without Overspending

    Family-Friendly Ways to Make Christmas Special Without Overspending

    This article was published on 6 October 2025. 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.

    For many Armed Forces families, Christmas is one of the most treasured times of the year. It’s a chance to come together, reflect, and celebrate – even if not everyone can be home. But with the cost of living still high, managing festive expenses can feel daunting.

    The good news? You don’t need to overspend to create meaningful memories. With a little planning you can enjoy the season without the financial stress. Here are some ideas to help you celebrate in a budget-friendly way.

    Start planning early

    October might feel early to think about Christmas, but planning now can make all the difference. Begin by:

    • Setting a realistic budget for gifts, food, travel, and activities.
    • Making a list of who you want to buy for and setting a spend limit per person.
    • Spreading the cost by picking up small items or stocking fillers bit by bit.

    A head start means you can shop around for deals using promotions like Black Friday, avoid last-minute splurges, and ease the pressure on your December pay packet.

    Fun activities at home

    Creating festive moments together doesn’t have to cost much:

    • Christmas movie marathons – choose a theme (classics, comedies, or animations) and make it a weekly event.
    • Festive baking – from gingerbread houses to mince pies, get the whole family involved in the kitchen.
    • DIY decorations – paper chains, handmade baubles, or salt-dough ornaments add a personal touch to your home.

    Traditions that last

    Family traditions are what make Christmas truly memorable. Try:

    • Christmas Eve box – fill a small box with pyjamas, a hot chocolate sachet, and a festive film.
    • Winter walks – enjoy the lights in your local town or head out for a frosty stroll after dinner.
    • Homemade advent calendars – use small envelopes or jars with handwritten notes, jokes, or activities.

    When a loved one is away

    For many Armed Forces families, deployments or training commitments can mean spending Christmas apart. Staying connected can help bridge the distance:

    • Video call traditions – set up a time to open presents together if possible, even if it’s virtually.
    • Send a Christmas parcel early – include photos, letters, and small gifts to bring a touch of home.
    • Create a memory book – jot down special moments from December so your loved one can read about them on their return.

    These simple gestures can keep everyone feeling close, no matter the miles between you.

    Preparing for next Christmas

    Once the decorations are packed away, it’s worth thinking ahead to how you can save money over the next year to help make Christmas 2026 even more affordable. You may be able to save money by switching to an insurance product specially designed for members of the Armed Forces, such as those brought to you by Forces Mutual. Learn more at the links below.

    Sarah Blair

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

    Forces Mutual Recognised at Bronze Level of the Armed Forces Covenant

    This article was published on 2 October 2025. 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 Bronze level of the Armed Forces Covenant, highlighting our ongoing commitment to supporting the Armed Forces community.

    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 Bronze 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.

    Sarah Blair

  • The Safety Net Duo: Life Insurance & Personal Accident Insurance

    The Safety Net Duo: Life Insurance & Personal Accident Insurance

    This article was published on 22 September 2025. 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.

    For members of the British Armed Forces, life is anything but predictable. Whether deployed, training, or spending precious time at home, peace of mind is essential not just for the individual, but for the family behind them. Two insurance products that can help build that peace of mind are Life Insurance and Personal Accident Insurance.

    Though they cover different needs, both offer vital protection and financial support when it matters most.

    Life Insurance: Long-Term Support for Loved Ones

    Life Insurance, especially when paired with Serious or Critical Illness Cover, is designed to offer financial protection if the worst happens. Whether through a cash lump sum, or with some insurance providers an income if you are diagnosed with one of the covered conditions. This type of cover can help ensure families are supported in the event of death or diagnosis of a serious medical condition.

    Key features:

    • A lump sum payout upon death
    • Optional Serious or Critical Illness Cover, covering conditions like heart attack, cancer or stroke
    • Flexible cover to match your family’s evolving needs

    Making sure you and your family are financially protected should an illness or something worse occur is easy with the right advice. At Forces Mutual, we have trusted advisors who take the time to understand your needs and offer expert guidance when it comes to Life Insurance and Critical Illness Cover.

    Personal Accident Insurance: Protection When Accidents Strike

    While life insurance typically covers illness or death, Personal Accident Insurance is focused on the physical injuries and consequences of accidents whether on or off duty.

    Key benefits:

    • Cover available for permanent total disablement, fractures, facial scarring, hospitalisation, and more
    • Affordable cover available to give you peace of mind financially
    • Available to serving personnel, veterans, reservists, and families

    This cover is particularly useful for those with an active lifestyle or who want to ensure they’re covered beyond illness-related events. With Forces Mutual Personal Accident Insurance, you can choose from five levels of cover depending on your needs.

    Why Both Types of Protection Matter

    Life Insurance and Personal Accident Insurance are different, but equally important for reasons outlined in this article. Many people may find that having one doesn’t replace the need for the other, instead, they see the benefits of having both.

    • Life Insurance: Focuses on serious illness and death
    • Personal Accident Insurance: Covers sudden injuries and accident-related outcomes

    Whether you’re on active duty or planning for the future, having the right cover in place can make all the difference for you and for your family.

    To learn more about Forces Mutual Life Insurance or Personal Accident Insurance, click the links below:

    Personal Accident Insurance is arranged by Motorplus Limited t/a Coplus and underwritten by Astrenska Insurance Limited.

    Forces Mutual is an insurance intermediary acting on your behalf. We offer an advised service for life insurance and critical illness cover, where a personal recommendation will be made once we have assessed your needs. We offer restricted advice from a panel of insurance companies. This means that our advice is restricted to products from a limited number of companies that Forces Mutual has selected. Restrictions on cover may apply if under orders to deploy to an area of conflict within 6 months.

    Alex Mculty

    ,

  • Travel with Confidence: Why Forces Mutual Travel Insurance Has You Covered

    Travel with Confidence: Why Forces Mutual Travel Insurance Has You Covered

    This article was published on 8 September 2025. 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’re based in the UK or if you are deployed overseas and heading off on holiday, Forces Mutual Travel Insurance is here to give you peace of mind.

    Tailored for the Forces Community

    As a member of the armed forces or an affiliated organisation, your lifestyle is unique and so are your travel needs. Forces Mutual understands this. Forces Mutual travel insurance is designed for serving personnel and their families, offering flexible cover that travels with you.

    What’s Covered?

    Forces Mutual Travel Insurance insures:

    • Emergency medical expenses abroad – up to £5 million
    • Trip cancellation or curtailment – up to £4,000
    • Lost or stolen personal belongings – up to £2,000
    • Missed departures – up to £500
    • Personal liability – up to £2 million
    • Optional winter sports cover 

    All this, with the added reassurance of 24/7 medical assistance.

    What’s Not Covered?

    It’s important to note that the policy does not cover pre-existing medical conditions. You are not covered if you decide you no longer wish to travel, or for any claim related to an incident that you were aware of at the time you took out this insurance and which could lead to a claim. Other exclusions and restriction can be found in the IPID document here.

    Flexible Cover for Every Traveller

    Whether you’re travelling solo, as a couple, or with the whole family, Forces Mutual offers cover options to suit your plans.

    Find out more

    Find out about Forces Mutual Travel Insurance here

    Or to get a quote today click here.

    Forces Mutual Travel Insurance is arranged by Motorplus Limited t/a Coplus and underwritten by Astrenska Insurance Limited.

    Sarah Blair

  • Protect What Matters Most: Choose the Right Kit Insurance with Forces Mutual

    Protect What Matters Most: Choose the Right Kit Insurance with Forces Mutual

    This article was published on 27 August 2025. 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’re just starting your military journey or well into your service, protecting your belongings is essential. Forces Mutual understands the unique lifestyle of military personnel and offers two tailored insurance options to suit your needs: Kit Start Insurance and Kit & Personal Possession Insurance.

    Kit Start Insurance: Simple, Smart Protection for SLA Residents

    If you’re living in Single Living Accommodation (SLA), Kit Start Insurance is designed specifically for you. It’s a straightforward, affordable way to ensure your military-issued kit is protected from risks like theft, and accidental damage

    Why Choose Kit Start?

    Kit Start is the perfect entry-level insurance for those who want peace of mind without overcomplicating things.

    • Tailored for SLA residents
    • Covers military-issued kit up to £5,000 – including uniforms, equipment, and more.
    • Content cover – up to £5,000
    • Personal Liability cover – up to 250,000
    • Affordable premiums – ideal for those just beginning their service at £8.72 a month.
    • Quick and easy setup – get covered without the hassle.

    Kit & Personal Possession Insurance: Comprehensive Cover for Your Lifestyle

    For those who need broader protection, Kit & Personal Possession Insurance offers a more comprehensive solution. It also provides legal expenses cover up to £50,000. 

    Why Choose Kit & Personal Possession Insurance?

    • Covers both kit and personal possession and temporary issued kit – up to £40,000
    • Four levels of content cover available – £0, £10,000, £30,000 or £100,000
    • Personal Liability cover – up to £500,000
    • Worldwide protection – ideal for deployments.
    • Flexible cover levels – choose what suits your lifestyle and budget.

    This option is ideal for personnel who have moved beyond SLA or simply want more robust protection.

    Which One Is Right for You?

    • Kit Start Insurance. Find out more here. 
    • Kit & Personal Possession Insurance. Find out more here.

    Benefit limits, terms and exclusions apply for both Kit Start and Kit & Personal Possession Insurance, please refer to the IPID and policy documents here. 

    Both options are backed by Forces Mutual’s commitment to supporting the Armed Forces community with trusted, affordable insurance.

    Kit & Personal Possessions and Kit Start Insurance is arranged by Motorplus Limited t/a Coplus and underwritten by Collinson Insurance Limited (a trading name of Astrenska Insurance Limited).

    Kit & Personal Possessions Legal Expenses Cover is provided by ARAG plc who is authorised to administer this insurance on behalf of the insurer ARAG Legal Expenses Insurance Company Limited.

    Sarah Blair

  • Protect Your Car From Theft

    Protect Your Car From Theft

    This article was published on 18 August 2025. 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.

    Car theft in the UK remains a real problem with over 61,000 vehicles were reported stolen in 2024. That’s around seven cars an hour, according to DVLA data obtained by What Car?  While this represents a modest 6% decrease from the previous year, the figures remain alarming.

    For members of the British Armed Forces and your families, your lifestyle often means parking in a mix of locations – on secure bases, at home, in public car parks, or even leaving vehicles behind during deployments. While military bases often offer a higher level of security, no location is completely risk-free. That’s why it’s important to take simple, effective steps to protect your vehicle wherever it’s parked.

    Keyless Cars: Modern Convenience, Modern Risk

    If your car has keyless entry, it’s worth knowing it can also be more vulnerable to theft – especially from relay attacks. Thieves can use devices to clone the signal from your key fob and drive off in seconds, without breaking a window or forcing entry.

    Here are some simple but effective steps, as recommended by Thatcham Research, to help protect keyless vehicles:

    • Update software: Check with your car dealer about any security updates.
    • Disable key fobs: Some key fobs can be switched off when not in use – ask your dealer how.
    • Use a signal-blocking pouch: Also known as a Faraday pouch, this can stop the signal being stolen.
    • Store keys safely: Keep them away from doors and windows – don’t leave them in easy-to-reach spots.
    • Be alert: Keep an eye out for suspicious behaviour, especially around car parks or your driveway.

    Everyday Tips to Prevent Car Theft

    Whether your car is keyless or not, there are everyday steps that can reduce your risk:

    • Always lock doors and close windows, even if stepping away for just a moment.
    • Never leave your car running unattended – not even on cold mornings.
    • Keep valuables out of sight or remove them from the vehicles.
    • Park in well-lit, secure areas when possible.
    • Use visible security devices like steering wheel locks or gear stick locks.
    • Consider a car alarm or tracking system – some may also reduce your insurance premium.

    Secure Your Driveway or Parking Space

    Even at home or on base, extra protection helps. Here’s how to make your vehicle less attractive to thieves:

    • Install a home CCTV system. Basic home systems are affordable and can deter opportunists.
    • Use motion-activated lights. Thieves prefer the dark – keep your space well-lit.
    • Be cautious with key storage. Avoid leaving keys in obvious places like hooks near the front door or in view when you’re out and about.

    Remember, the more layers of security you have, the less appealing your car is to thieves.

    Car Insurance that understands Military Life

    At Forces Mutual, we understand the demands of military life – frequent moves, deployments, or secure base living. That’s why Forces Mutual Car Insurance is designed with serving personnel and your families in mind – Cover comes with features you won’t typically find in standard policies. T&Cs apply.

    Learn more about Forces Mutual Car Insurance offering here or call 0151 363 5290 to speak with our friendly team.

    Forces Mutual Car Insurance is provided by ERS.

    Tereza Macegova