You drive, we'll cover

Military car insurance that's tailored just for you

10% discount*

Laid up cover

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 The discount can be withdrawn at any time and is provided by Royal & Sun Alliance Insurance Ltd.

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

Car Insurance is provided by Royal & Sun Alliance Insurance Ltd.

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


Five-Star Car Insurance
Forces Mutual Car Insurance is independently rated as a Five-Star policy by Moneyfacts.

-Features include

  • Full cover on and off base
  • Laid up cover
  • Business use addition so expenses can recovered from JPA
  • Continuous BFG/UK cover
  • Compatible with BFG/GEO VLO & DVLA requirements

-What's not included

  • Theft if your car is left unlocked or with the engine running
  • Theft if your car keys are left unattended in or near the vehicle
  • Certain import, classic or modified vehicles
  • Vehicles used solely for business purposes
  • Mechanical failure, or wear and tear
  • Campervans
  • For more information, please refer to the policy documents.

+Optional cover

  • Legal Expenses Cover

+Do you need Breakdown cover?

-Your handy checklist

Forces Mutual Things to note
Competitive Premiums Check the level of your cover. Are you getting value for money and is the policy fit for purpose?
High Excess 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.
Check you are covered on camp / airside / quayside Are you covered for normal road traffic accidents if you use your car 'behind the wire'.
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?
No Claims Discount Acceptance Tick 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 specialist cover is well-suited to you, too

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Policy Documents

Car insurance is provided by Royal & Sun Alliance Insurance plc. 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

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 you need to cancel your policy, just call our UK based help line and we'll be happy to help.

Please note, if you cancel your Forces Mutual insurance policy within 14 days of receiving your policy documents, you will only be charged for the period of time you have been covered. If you cancel the policy more than 14 days after receiving your policy documents, you will be charged for the period of time you've been covered plus we will charge a £40 administration fee for cancelling the policy.

Call us on 0151 363 5290 (Mon - Fri 9am - 5pm)

+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.

+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.

+Do I have to pay the excess towards a Third Party claim?

No, you only need to pay the excess towards your own repairs.

+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 as green card will be needed.

+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.