Military Car Insurance

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or call us on 01509 221 390

You drive
we'll cover

Military car insurance that's tailored just for you


Laid up cover

If you get called up for duty and lay your car up we'll give you a discount


Overseas cover

You're covered if you move overseas


Cover on and off base

You're covered if you're driving on or off base

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-Features can include

  • Full cover on and off base
  • Laid up cover
  • Business use addition so expenses can be recovered from JPA
  • Continuous BFG/UK cover
  • Compatible with BFG VLO/DVLA requirements
  • 24/7 claims assistance


  • Legal Expenses Cover

  • Breakdown Cover

    Choose to have peace of mind with our 24/7 pan-European rescue service

+Cover tailored to you

We take time to discuss your individual needs to find you the best deal possible by searching a panel of insurance providers, whatever your circumstances may be. View our full panel of insurers

  • High levels of customer service
  • We have unique knowledge of the military lifestyle, and a rich heritage of providing specialist cover
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-Your handy checklist

Forces Mutual Things to note
Competitive Premiums Tick Check the level of your cover. Are you getting value for money and is the policy fit for purpose?
High Excess Tick Make sure what you asked for on your application is the same as on your quote
Legal Expenses Cover Tick Check legal expenses cover, it can be costly
Windscreen Cover Tick Check to see if claiming for your windscreen affects your no claims bonus
Courtesy Car Following an Accident Tick Check that this doesn't just get offered if the Third Party is to blame.
Military Base Exclusion Waived Tick Are you also entitled to a discount if parked 'behind the wire'?
Airside Exclusions Waived Tick Are you covered for normal road traffic accidents if you use your car airside?
Quayside Exclusions Waived Tick Are you covered for normal road traffic accidents if you use your car quayside?
Laid Up Rebate Tick Can you get a discount if you take your car off the road due to Deployment?
BFG Posting Accepted Tick Can the insurer provide cover if you are resident outside the UK?
BFG VLO/DVLA Compatible Tick If insured for BFG does your car insurance allow you to register your vehicle in the UK?
Business Use Tick Will the insurer permit cover and provide it free of charge?
No Claims Discount Acceptance Tick Will your UK insurer accept your No Claims Discount if earned overseas?
Driving Experience Discount Tick Will your insurer accept and enhance your No Claims Discount?
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Had an accident or over 25?

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Have a question?

Take a look at some frequently asked questions about our military car insurance:

+Why choose us?

Forces Mutual is not only a member of the Services and Investment Advisory panel (SIIAP) but we regularly provide technical advice on a range of issues that affect HM Armed Forces in the insurance market

+I am 21 can I get cover?

We have a specific Young Drivers scheme which helps us look after you if you are aged 21 to 25

+I've been based in Germany for a number of years. Will you accept my foreign no claims discount?

Yes, unlike most British Insurers we will accept foreign No Claims Discounts

+We have just acquired a second car. Will I have to start again with Nil No Claims Discount?

Not necessarily. Many of our insurers will allow the No Claims Discount to be earned on the first car to be re-used on the second car.

This is called a 'mirror' No Claims Discount.

+I am being deployed overseas. Can I suspend my policy?

Certain policies we offer via our panel of insurers will allow you to suspend your cover if you are deployed overseas. To find out if your policy covers you for this, please call us on 01509 221 390.

+I passed my driving test some years ago but haven't had insurance in my own name for some time. Can you help me?

Yes. We will determine the Discount we give you by assessing your 'driving experience'. Regular use of a military vehicle, acquiring a Class C licence and a history of claim and conviction fee motoring will all help to reduce your premium.

+I'm told I need Business Use to claim expenses back from JPA. Is this necessary?

Yes it is. If you use your vehicle to and from more than one place of business you need Class 1 Business Use on your motor insurance policy. We can add Business Use onto your policy.

+I have picked up a few points on my licence following speeding convictions. Can you help me?

Yes. Many of our insurers recognise that with the number of cameras now deployed it is quite likely that motorists will pick up points on their licence and have factored this in to the premiums they charge.

+I need to make a claim on my policy. Who should I phone?

Please find the relevant phone number for your insurance policy in the list below:

Claims: 0044 23 8062 1982 | Windscreen: (0)0800 174 764 (Autoglass/Carglass)

Ageas Forces
Claims: +44 23 8062 1982 | Windscreen: (0)0800 174 764

Claims: 0845 6000 676 | Windscreen: 0845 6000 676

Claims: 0345 301 2154 | Windscreen: 0800 678 999

Windscreen: 01246 223 849 | Forces Claims +44 1246 216300

+I have taken out breakdown cover with you. Who should I phone if I breakdown?

If you have taken out breakdown cover through Forces Mutual, please use the phone numbers below if you breakdown.

0800 197 1039 from the UK
or 0044 117 934 2177 from the rest of Europe .

Policy Documents

Terms of Business Agreement