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Subject to availability, you get a temporary hire car following an accident, whilst your car is being repaired at approved repairers.

In the event of theft or your vehicle is deemed to be a total loss, no temporary hire car will be provided.

The vehicle provided is intended to keep you mobile and will not necessarily be a like-for-like replacement of your vehicle. You will be provided with either a small, standard private car or small car derived van.

Please refer to the policy documents for full terms and conditions.

Cover is provided when you visit any country which is a member of the European Union, Andorra, Bosnia and Herzegovina, Iceland, Montenegro, Norway, Serbia or Switzerland (including Liechtenstein). Cover is provided for up to 90 days per trip.

If you’re a serving member of the Armed Forces and are deployed in Europe, we can extend your cover beyond 90 days (within the policy’s territorial limits). To add this to your policy, please call us on 0151 363 5290, Mon–Fri, 9am–5pm.

No, as with many car insurance policies, cover to drive other vehicles not listed on the policy, is not provided.

No, child seats are not replaced after an accident. Please check if your car seat manufacturer has a replacement scheme.

If you are involved in an accident caused by an identified driver who is uninsured, the amount of excess you may have paid will be refunded and your no claims discount restored.
This cover only applies if it can be established that the accident was not your fault in any way and you provide the following:

– The vehicle registration number and the make/model of the uninsured vehicle, and
– The uninsured vehicle’s driver’s name and address (if available)

If it cannot be initially confirmed that the uninsured driver was at fault, you may have to pay your excess and your No Claims Bonus maybe affected. Once liability has been confirmed your excess will be reimbursed and your No Claims Bonus will be reinstated.

Please refer to the policy documents for full terms and conditions.

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.

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.

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, Exchange Station, Tithebarn Street, Liverpool, L2 2QP.

Yes, you don’t have to wait until your renewal date to switch your car insurance to Forces Mutual. If you do switch, we’ll reimburse any cancellation fees charged by your current provider, up to £125.

Please check your existing policy terms so you know exactly what fee you may be charged.

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.

No.

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.

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

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.

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.

If you want to add another driver to your existing policy, please call us on (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).

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.

Yes, we can accept foreign No Claims Discounts.

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.

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 (0)151 363 5290.