Military Car Insurance

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You drive
we'll cover

Military car insurance that's tailored just for you

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Laid up cover

If you get called up for duty and lay your car up, you'll receive a discount

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European cover

You're covered if you move within Europe

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Cover on and off base

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

Win a Dash Cam

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Take out a car insurance policy with us and you'll be entered into a monthly prize draw†

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† Terms and conditions apply. PDF Read full terms and conditions.

-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

+Add-ons

  • Legal Expenses Cover

  • Breakdown Cover

    Choose to have peace of mind with a 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

  • Unique knowledge of the military lifestyle
  • A rich heritage of providing specialist cover
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-Things to think about

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

Our panel of insurers offer specialist cover that is well-suited to you

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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?

Many of the insurers on our panel 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 most of the insurers on our panel 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. The Discount you receive will be assessed by your 'driving experience'. Regular use of a military vehicle, acquiring a Class C licence and a history of claim and conviction free 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:

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

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

Allianz
Claims: 0845 6000 676 | Windscreen: 0845 6000 676

Aviva
Claims: 0345 301 2154 | Windscreen: 0800 678 999

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

+I have taken out breakdown cover through 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 .


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