# Forces Mutual > Forces Mutual provides insurance, healthcare, savings and mortgage advice for the UK military family: serving personnel, reserves, veterans, their families, MoD contractors and military support organisations. Forces Mutual is a trading name of PMGI Limited and is part of the Bspoke Group of insurance companies. Its roots go back to NAAFI Financial Services in the mid 1950s, giving over 70 years of service to the armed forces community. Key things to know about Forces Mutual: - Eligibility covers serving military personnel, reserve forces, retired and former personnel, family members, Ministry of Defence contractors and military support organisations. Each product has its own additional requirements. - Products are built around military life: laid up car cover during deployment, kit insurance for issued equipment, travel insurance that pays out if approved leave is cancelled or you are called up for duty, and support for British Forces Germany and British Forces Cyprus. - Products are delivered through named partners. Car Insurance and Breakdown Cover are provided by ERS. Kit, Travel and Personal Accident Insurance are underwritten by SiriusPoint International Insurance Corporation. Caravan and Park Home Insurance come from Compass Insurance. Mortgage advice comes from Grange Mortgage & Protection Services Ltd. The My Sovereign ISA is provided by Scottish Friendly. The Healthcare Scheme is administered by PMHC Limited with claims managed by Healix Health. - The Healthcare Scheme is a discretionary scheme, not an insurance product. - Forces Mutual holds Silver level status under the Armed Forces Covenant and has advisers with military backgrounds, offices across the UK and Cyprus, and a telesales centre reaching personnel worldwide. ## Insurance Products - [Car Insurance](https://www.forcesmutual.org/product/car-insurance/): Car insurance for military families provided by ERS. Includes laid up cover while deployed, European cover extendable beyond 90 days for serving personnel, cover on and off base, BFG and DVLA compatibility, acceptance of foreign no claims discounts, a 10% online discount, monthly payment at no extra cost and up to £125 cancellation fee reimbursement when switching. - [Kit Insurance](https://www.forcesmutual.org/product/kit-and-kit-start/): Cover for issued military kit and personal possessions, underwritten by SiriusPoint International Insurance Corporation. Kit Start covers £5,000 of kit plus £20,000 of temporary issued kit for those in single living accommodation. Kit & Personal Possessions covers £40,000 of kit with contents cover up to £100,000, £500,000 personal liability and licence to occupy cover as standard. Worldwide cover with some limits. - [Travel Insurance](https://www.forcesmutual.org/product/travel-insurance/): Travel cover underwritten by SiriusPoint with up to £5 million emergency medical cover and up to £4,000 cancellation cover, including cancellation because approved leave is cancelled or you are called up for duty. Individual, Couple, Single Parent Family and Family policies for serving HM Forces members and civilian staff under 65. - [Personal Accident Insurance](https://www.forcesmutual.org/product/personal-accident-insurance/): Lump sum payouts for serious injury on or off duty, underwritten by SiriusPoint. Five benefit levels paying from £30,000 to £150,000 for permanent total disablement, plus benefits for fractures, burns, scarring and hospital stays. - [Breakdown Cover](https://www.forcesmutual.org/product/breakdown-cover/): Forces Mutual Rescue, provided by ERS (Syndicate 218 at Lloyd's). 24/7 UK helpline, over 420 recovery specialists, up to one hour of roadside labour, free caravan or trailer cover up to 7 metres, optional European cover, and availability to UK residents and British Forces Germany. From £61.60 a year. - [Caravan and Park Home Insurance](https://www.forcesmutual.org/product/caravan-insurance/): Touring caravan, holiday caravan or lodge, and residential park home insurance from Compass Insurance, underwritten by Accelerant Insurance UK Limited, with a 10% discount on eligible touring and holiday caravan policies. - [Life Insurance & Serious or Critical Illness](https://www.forcesmutual.org/product/life-insurance-serious-or-critical-illness/): Life and critical illness cover arranged by Forces Mutual from a panel of insurers, with free personalised advice from advisers who understand military life. Restrictions apply if deployment to a conflict area is expected within six months. ## Healthcare and Financial Products - [Healthcare Scheme](https://www.forcesmutual.org/product/healthcare/): A discretionary private healthcare scheme for military families, administered by PMHC Limited with claims managed by Healix Health. Includes 24/7 GP telephone consultations worldwide, up to £30,000 a year for inpatient treatment, physiotherapy and mental health support, and no medical needed to join. Individual, Individual & Partner, Family and Single Parent tiers. - [Mortgages](https://www.forcesmutual.org/product/mortgages/): Fee free mortgage advice through Grange Mortgage & Protection Services Ltd, an Appointed Representative of PRIMIS Mortgage Network, with advisers who understand military circumstances. Covers first time buyers, home movers and buy-to-let. - [Forces Help to Buy](https://www.forcesmutual.org/product/forces-help-to-buy/): Guidance on the MoD scheme that lends serving personnel up to 50% of salary (maximum £25,000) interest free over up to 10 years, repaid from military pay, plus access to the fee free mortgage advice service. - [My Sovereign ISA](https://www.forcesmutual.org/product/sovereign-isa/): A stocks and shares ISA invested in the Scottish Friendly Unitised With-Profits fund. Save from £20 a month or £100 lump sums, with a guarantee to get back at least what you have invested at the 10th anniversary. Capital at risk at other times. ## Support and Services - [Claims Support](https://www.forcesmutual.org/about/claims/): How to claim on every product, including 24/7 breakdown rescue on 0800 731 4590, 24/7 car claims on 0330 123 5992, kit claims on 0333 043 4640, healthcare claims on 0208 049 8387 and 24/7 emergency medical assistance for travel on +44 (0)2921 684 263. - [Cyprus Postings](https://www.forcesmutual.org/cyprus-postings/): On island support for British Forces Cyprus with branches at Akrotiri and Episkopi. Most products are available in Cyprus; motor insurance is not. - [News and Blog](https://www.forcesmutual.org/news-blog/): Articles on money, wellbeing, motoring, kit, mortgages, caravans, life insurance, personal accident and travel topics for the military community. ## Company Information - [About Us](https://www.forcesmutual.org/about/): Forces Mutual's history from NAAFI Financial Services in the mid 1950s, its military connected advisers, UK and Cyprus offices, and Silver level status under the Armed Forces Covenant. - [Contact](https://www.forcesmutual.org/contact/): General enquiries on 0151 363 5290, Monday to Friday 9.00am to 5.00pm. - [Feedback and Complaints](https://www.forcesmutual.org/about/feedback/): How to give feedback or make a complaint. ## Legal - [Privacy Policy](https://www.forcesmutual.org/about/privacy-policy/): How personal data is collected and used. - [Cookie Policy](https://www.forcesmutual.org/about/cookie-policy/): Cookie usage on the site. - [Legal](https://www.forcesmutual.org/about/legal/): Regulatory and legal information, including company and FCA details. - [Accessibility](https://www.forcesmutual.org/about/accessibility/): Accessibility statement for the website. ## Optional - [Social Media Policy](https://www.forcesmutual.org/about/social-media-policy/): House rules for Forces Mutual's social channels. - [Trustpilot Reviews](https://uk.trustpilot.com/review/forcesmutual.org): Independent customer reviews of Forces Mutual.