Make sure you've got Licence to Occupy insurance as you could be liable for repairs up to £20,000

Over 15,000 home fire accidents were related to cooking appliances in the last 2 years*


Licence to Occupy

We include Licence to Occupy cover in our Kit policy as standard


Worldwide Cover

Against accidental loss and damage to Kit and Personal Possessions in and away from your home


Theft and Legal

Protection against identity theft and legal expenses as standard as part of our Kit Insurance

* Fire Statistics 2016/17

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Possessions Insurance right for you?

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-What's covered

  • Identity Theft
  • Legal Expenses
  • From £5,000 cover for Issued Military Kit and Personal Possessions
  • £20,000 cover for Temporary Issued Military Kit
  • £1,000 cover for Home Contents as standard (option to increase up to £80,000)
  • Worldwide Cover
  • New for old replacement
  • Transit and Storage cover
  • Personal Liability Cover
  • Tenants Liability
  • Emergency Assistance Helpline - fire, flood or theft
  • Legal Helpline - 24 hour advisory service for telephone advice
  • Lifestyle Counselling Helpline

+What's not covered

  • Any loss, damage, liability, cost or expense of any kind caused directly or indirectly by war, invasion or revolution
  • Any loss, damage, liability, cost or expense of any kind directly or indirectly caused by any act of terrorism
  • Damage arising from wear and tear
  • Deliberate loss or damage caused intentionally by you

Smoke alarmOver 30,000 home accidents were related to fire in the last year*

You could be liable for damage up to £20,000 whilst living in service accommodation, so we include Licence to Occupy cover in our Kit policy as standard.

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*, Fire statistics: England, April 2016 to March 2017

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Get an estimate of your monthly kit insurance premium.

Do you live on base? Receive 20% risk discount
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£ your monthly premium

Annual premium of £140.31

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Please note that this is only an estimate of your quote based on the information given and levels of cover you have selected.

Next steps

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You can change your mind at any time by emailing

To find out more about how your data is used and stored & our promise to you visit

How we will use your personal data

Forces Mutual (which is a trading name of PMGI Limited) is committed to respecting and protecting your personal data. This section sets out what we will do with your information and explains your rights.

The information you have supplied will be used by Forces Mutual to contact you about your insurance requirements.

Should you proceed to quotation, your information will be shared with Ageas Insurance Limited who are our kit insurance provider.

Click on the links below to find out more:
How we will use the information we collect?
Who and why might we share your information with
What precautions do we take to protect your information?
How long do we keep hold of your information?
Yours rights

To view our full privacy policy click here

If you have any questions about our privacy policy, you can contact our Data Protection Officer directly at or by writing to them at: Compliance Department, Alexandra House, Queen Street, Lichfield, Staffordshire. WS13 6QS.

Kit & Contents – policies taken out before 1st September 2019

Kit & Contents insurance is provided by Ageas Insurance Limited. Visit our legal page for further details.

Kit & Contents Insurance Policy IPID Family Legal Protection IPID
Kit & Contents Insurance Policy Booklet Terms of Business Agreement Kit & Contents Notice to Policyholders

Kit & Personal Possessions – policies that reach an anniversary on or after 1st September 2019

Kit & Personal Possessions insurance is provided by Ageas Insurance Limited. Visit our legal page for further details

Kit & Personal Possessions Insurance Policy Booklet

If you have an Abacus policy: Please send us an enquiry or call us on 0151 363 5290

Existing customer?

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