You drive, we'll cover

Military car insurance that's tailored just for you

10% discount*

Laid up cover available

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


European cover

As serving members of the Armed Forces you are covered in Europe**


Cover on and off base

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

The (not so) small print

*The 10% discount is available online only. It is applied to the basic premium when you buy a new car insurance policy. The discount is not available on optional extras and minimum premiums apply. The discount will be automatically applied to your quote. The offer applies to new car insurance policies purchased online. The discount can be withdrawn at any time and is provided by ERS.

**for 365 days per year subject to the territorial limits of the policy.

Car Insurance is provided by ERS.

-Features include

  • Full cover on and off base
  • Laid up cover
  • Continuous BFG/UK cover
  • Compatible with BFG/GEO VLO & DVLA requirements

-What's not included

    • Theft if your car has been left unattended and unlocked with the car keys in or on the vehicle
    • Mechanical failure, or wear and tear
    • Certain import, classic or modified vehicles
    • Vehicles used solely for business purposes
    • Campervans

For more information, please call us on 0151 363 5290
(Mon – Fri 9am – 5pm)

+Optional cover

  • Legal Expenses Cover

+Do you need Breakdown cover?

Policy Documents

Car insurance is provided by ERS. Visit our legal page for further details.

It's important you understand all of the Key Information for Car Insurance. We recommend you read the below documents including the Insurance Product Information Document (IPID) before you get a quote or buy and keep it in a safe place.

Car Insurance Policy Documents

Car Insurance IPID Car Insurance Policy Booklet Car Insurance Terms of Business

Car Legal Protection Policy Documents

Car Legal Protection IPID Car Legal Protection Policy Booklet

Other Documents

Glove Box Essential

Car Insurance just for the Military family

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If you are not based in the UK, please call us on 0044 (0)151 363 5290

Have a question?

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

+Can I pay monthly?

You can pay your premiums monthly by Direct Debit if you want to. Unlike many other insurers, we won't charge you extra on top of your normal yearly premium.

+How do I change my policy?

If you need to change your policy, call our UK-based helpline. We won’t penalise you with administration charges, however please note your policy premium may change depending on what you want to change.

Call us on 0151 363 5290 Mon-Fri 9.00am-5.00pm.

+How do I cancel my policy?

If no claims have been made during the current period of insurance, we will refund the proportional (pro-rata) amount of the premium which applies to the remaining period of insurance, less a minimum premium of £25 (subject to insurance premium tax (IPT) where applicable).

Call us on 0151 363 5290 (Mon - Fri 9am - 5pm) or write to us at Forces Mutual, 20 Chapel Street, Liverpool L3 9AG.

+Do I get a courtesy car?

You get a temporary hire car as standard while your vehicle is at an insurer recommended repairer. So you don't have to worry about organising one yourself. Subject to availability.

+Who is allowed to drive my car?

Cover will be provided for anyone allowed by the Certificate of Motor Insurance to drive your car, as long as they are driving the car with your permission.

+Are additional drivers on my car insurance policy insured to drive other cars?


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

Yes if you use your vehicle to travel to and from more than one place of business you will need Class 1 Business Use on your motor insurance policy, which we can add to your policy.

Social, domestic and pleasure including commuting policies, only cover travel to and from your usual place of business. That is fine for most members of the public but the Armed Forces may be stationed at one place but have to travel elsewhere for training, or simply helping to fill a temporary need at another base. If you have this level of cover you will be able to claim your relevant business expenses.

+If I have a claim for windscreen damage, does it affect my No Claim Discount?

No, windscreen claims do not affect your No Claim Discount.

+Does my car insurance cover me to drive other vehicles?

Depending on the level of car insurance cover you have chosen, you may be able to drive other cars at third party cover (with the owner's permission). You will need to check this on your insurance policy documents.

+Do I have to show my car insurance certificate when I use my car abroad?

When you take your car abroad the cover you have is shown on your insurance certificate, so you must always take this with you.
You do not need to carry a green card when you drive in the EU (including Ireland), Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Norway, Serbia, and Switzerland.

+Are child seats replaced after an accident?

Yes, if you have a child car seat in your car and your car is involved in an accident that results in impact damage to your car, we will replace the child seat with a new one of the same quality, even if it doesn't appear to be damaged.

+What is accidental damage cover?

Accidental damage is covered on comprehensive policies. This covers you for damage to your car as well as the third party's vehicle after an accident.

+How do I add another driver to my car insurance policy?

If you want to add another driver to your existing policy, please call us on 0044 (0)151 363 5290. You will need the following information about the other driver:

  • Their name;
  • Date of birth;
  • Occupation;
  • Driving licence details; and
  • Their driving experience (such as any previous claims or motoring convictions).

+Are factory fitted options classed as modifications to my car?

No, factory fitted options are not classed as modifications. A modification is anything made after the car leaves the factory that alters the standard specification or the appearance of the car. The fittings should be declared as part of the overall value of the vehicle. If you require cover for a modified car, please call 0151 363 5290.

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

Yes, we can 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. Our insurer may 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?

Yes, our insurer may allow you to suspend your cover if you are deployed overseas. To find out if your able to do this, please call us on 0044 (0)151 363 5290.

Taken out a policy before 1 January 2024?

If you took out a policy before 1 January 2024, click here to view all the key Car Insurance documents