This article was published on 9 February 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 we welcome a fresh start in 2026, it’s the perfect time to think about safeguarding what matters most. For those serving in the Armed Forces or connected to the military community, your kit and personal possessions aren’t just items, they’re essential to your role and lifestyle. That’s why Kit Start Insurance and Kit & Personal Possessions Insurance are so important.

Why do you need insurance?

Life can be unpredictable, and accidents happen when you least expect them. Here’s why having the right cover is essential:

• Protect your kit: Your military kit is vital for your duties. If it’s lost, stolen, or damaged, replacing it can be costly and stressful.
• Cover for everyday items: Phones, laptops, watches, your personal possessions go everywhere with you. Insurance ensures you’re not out of pocket if something goes wrong.
• Peace of mind anywhere: Whether you’re at home, on base, or deployed, you’ll have the reassurance that your belongings are protected.
• Affordable & tailored: Forces Mutual offers cover designed for the unique needs of the Armed Forces community, with rates and flexible options to suit your needs

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

Start 2026 with Confidence

Don’t let unexpected losses disrupt your year. Protect your kit and personal possessions today with Forces Mutual. It’s quick, easy, and gives you the security you deserve.

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

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 is underwritten by SiriusPoint International Insurance Corporation.

This article was published on 25 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.

Serving in the Armed Forces means living a unique lifestyle often moving between bases, deployments, and temporary accommodation. With so much change, protecting your military kit and personal possessions is essential. That’s where Forces Mutual Kit Insurances comes in.

Why Choose Forces Mutual Kit Insurances?

Our Kit Insurances are designed specifically for the Armed Forces community, offering peace of mind that your belongings are covered against loss, theft, and accidental damage whether you’re at home, on base, or overseas.

What’s Covered?

• Military-Issued Kit
  Accidental loss, damage, or theft of your issued and temporary kit.
• Personal Possessions
  Cover for laptops, mobiles, and valuables (up to £2,000 per item as standard).
• Pedal Cycles
  Accidental loss of, accidental damage to or theft of your pedal cycle or electronic pedal cycle.
• Personal Money
  Up to £500 for loss or theft.
• Licence to Occupy
  Up to £20,000 for accidental damage to MOD accommodation.
• Personal Liability
  Cover up to £250,000 Kit Start and £500,000 Kit & Personal Possessions for compensation costs.
• Worldwide Cover
  Protection wherever your service takes you.

Who Can Apply?

• Serving members of HM Forces
• Civilian staff of the MOD
• The husband, wife, civil partner of the above

With prior approval

• Army Reserve members
• Contractors employed by the MOD

Benefits at a Glance

• Affordable monthly premiums
• Flexible cover options
• Quick and easy setup

Get a Quote Today

Find out more and apply 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 Kit Start and Kit & Personal Possession Insurance 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.

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.