# 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. This document contains the full content summary of https://www.forcesmutual.org/ for use by large language models. Prices, fees and offers were accurate when this document was generated and may change. Always check the live site for current figures. ## Who Forces Mutual Is Source: https://www.forcesmutual.org/about/ Forces Mutual traces its origins to NAAFI Financial Services in the mid 1950s and has provided financial services and welfare support to the armed forces community for over 70 years. Improving lives is at the heart of everything it does. Its advisers have strong military connections: many are ex-military, come from military families, or have long experience serving the military community. Forces Mutual has offices across the UK and Cyprus plus a telesales centre, so personnel can be reached in person, online or by phone anywhere in the world. Forces Mutual holds Silver level status under the Armed Forces Covenant, recognising its commitment to serving personnel, veterans and their families. Independent customer reviews are available on Trustpilot at https://uk.trustpilot.com/review/forcesmutual.org. The site publishes regular news and blog articles and runs a monthly prize draw. ## Eligibility Forces Mutual serves: - Serving members of the UK armed forces. - Reserve forces members. - Retired and former military personnel and veterans. - Family members of service personnel. - Ministry of Defence contractors and civilian staff. - Military support organisations. Each product has its own additional requirements, such as age limits, service status or residency. Details are given per product below. ## Insurance Products ### Car Insurance Source: https://www.forcesmutual.org/product/car-insurance/ Car insurance designed for military families, provided by ERS with motor legal protection administered by ARAG plc. Military specific features: - Laid up cover available while a vehicle is off the road during deployment. - European cover for serving armed forces members, extendable beyond the standard 90 day limit during deployments. - Cover on and off military bases. - Continuous cover between BFG (British Forces Germany) and the UK, compatible with BFG or GEO VLO and DVLA requirements. - Foreign no claims discounts accepted for personnel previously based overseas. Standard features: - Pay monthly at no extra cost. - 10% discount on new policies purchased online. - Reimbursement of up to £125 in cancellation fees when switching from another insurer. - Uninsured driver protection that preserves the no claims discount. - Temporary hire car following an accident, subject to availability. - Cover for electric and hybrid vehicles, depending on make and model. - No administration charges for policy changes, and pro rata refunds on cancellation (minimum £25 premium). - UK based support on 0151 363 5290, Monday to Friday 9.00am to 5.00pm. Notable exclusions: theft from unattended, unlocked vehicles with keys accessible, mechanical failure and wear and tear, imported, classic or modified vehicles (factory fitted options do not count as modifications), vehicles used solely for business, and campervans. ### Kit Insurance (Kit & Personal Possessions and Kit Start) Source: https://www.forcesmutual.org/product/kit-and-kit-start/ Insurance protecting issued military kit, temporary kit, personal possessions and contents, built for military life. Arranged and administered by PMGI Limited trading as Forces Mutual and underwritten by SiriusPoint International Insurance Corporation. Two product tiers: - Kit Start: for personnel in single living accommodation only. Covers £5,000 of kit and £20,000 of temporary issued kit. - Kit & Personal Possessions: covers £40,000 of kit with flexible contents cover from £0 to £100,000, personal liability up to £500,000, and legal expenses assistance. A £1.50 monthly administration fee applies. Key features: - Worldwide cover, with some limits for contents. - Licence to occupy cover as standard, protecting against accidental damage in service accommodation. - Cover for issued and temporary military kit. - Personal possessions cover including electronics, bicycles and valuables. - Pay monthly by Direct Debit. Eligibility: applicants must be under 80 and either serving military personnel, MoD civilian staff, or the spouse or partner of one. Kit Start requires single service accommodation. Notable exclusions: theft from unattended vehicles (unless from a locked, concealed compartment after forced entry), wear and tear and end of tenancy maintenance, devices failing through age rather than accidental damage, and children's possessions at boarding school. Cover ends on retirement from service. ### Travel Insurance Source: https://www.forcesmutual.org/product/travel-insurance/ Travel insurance tailored to the military community. Arranged and administered by PMGI Limited trading as Forces Mutual and underwritten by SiriusPoint International Insurance Corporation. Cover limits: - Emergency medical expenses and repatriation up to £5 million. - Cancelling or cutting a trip short up to £4,000. - Personal belongings up to £2,000. - Personal liability up to £2 million. - Personal accident up to £25,000. - Delayed departure benefit of £100 for delays of 12 hours or more. - Activity equipment up to £1,000. - Money and documents up to £500. Military specific feature: cover applies when approved leave is cancelled or you are called up for duty, protecting service members whose operational commitments disrupt a holiday. This also applies to emergency services workers and government department employees. Policy types: Individual, Couple, Single Parent Family and Family. A £1.50 monthly administration fee applies. Eligibility: under 65 and a serving member of HM Forces or civilian staff. Army Reserve members, contractors and affinity partner employees may be considered with prior consent. Notable exclusions: pre-existing medical conditions, trips longer than 45 days (17 days for winter sports), most coronavirus related claims, professional sports, travelling against medical advice or government guidance, and incidents involving alcohol or illegal drugs. ### Personal Accident Insurance Source: https://www.forcesmutual.org/product/personal-accident-insurance/ Financial protection for military personnel and their families against serious injury or permanent disability from accidents during service, training or off duty. Arranged and administered by PMGI Limited trading as Forces Mutual and underwritten by SiriusPoint International Insurance Corporation. Key features: - Five benefit levels (1 to 5 units) with scalable payouts. - No administration fees. - Benefits for fractures and for hospital stays from the fifth consecutive night. - Cover applies where an injury leads to a covered condition within two years. Benefit ranges across the five levels: - Permanent total disablement: £30,000 to £150,000. - Loss of sight, speech or hearing: £30,000 to £150,000. - Full thickness burns: £4,800 to £24,000. - Fractures: £1,250 to £6,250. - Facial scarring: £2,000 to £10,000. Eligibility notes: children can be covered from 30 days old up to age 18, or 23 if in full time education. Pricing is by quotation online or by phone. Notable exclusions: injury caused by illness, professional sports, illegal activity, drugs or alcohol, nuclear, chemical or biological incidents, and self inflicted injury. Motorcycling and quad biking benefits are limited to 50%. ### Breakdown Cover (Forces Mutual Rescue) Source: https://www.forcesmutual.org/product/breakdown-cover/ 24/7 roadside assistance and vehicle recovery, provided by ERS (Syndicate 218 at Lloyd's) and arranged through PMGI Limited trading as Forces Mutual. Key features: - 24/7 UK based emergency helpline with over 420 recovery specialists. - Up to one hour of roadside labour, with recovery to the nearest repairer if the vehicle cannot be fixed at the roadside. - Cover applies whoever is driving, with the owner's permission. - Free caravan or trailer cover up to 7 metres. - Misfuelling assistance. - Home assistance within a quarter of a mile of the residence. - Alternative transport or accommodation when repairs are beyond roadside help and the breakdown is 50 or more miles from home. - Cover across mainland UK, Scotland, Wales, Northern Ireland, the Isle of Man, the Channel Islands and the Scottish Isles. - Optional European cover across EU countries plus Andorra, Iceland, Norway, Serbia and Switzerland. Annual pricing at time of writing: UK cover £61.60 (cars up to 10 years old) or £73.22 (over 10 years); European cover £96.47 (up to 10 years) or £108.09 (over 10 years). Eligibility: UK residents and British Forces Germany personnel who qualify for Forces Mutual products, including serving and retired military, veterans, support staff and family members. Notable terms: a 24 hour waiting period applies before new policies can claim, there is a 14 day cancellation window with a full refund if no claim has been made, automatic renewal applies only to Direct Debit annual payments, and costs arising from wrong fuel incidents and lost key replacement are excluded. ### Caravan and Residential Park Home Insurance Source: https://www.forcesmutual.org/product/caravan-insurance/ Three products from Compass Insurance, a specialist with over 50 years' experience. Compass is part of Bspoke Insurance Group Ltd, which also includes Forces Mutual. Policies are underwritten by Accelerant Insurance UK Limited. Forces Mutual customers receive a 10% discount on eligible holiday caravan and touring caravan policies (the discount does not apply to park homes). - Holiday Caravan & Lodge: static caravans and holiday lodges in the UK used for recreation, not permanent residence. Includes £5m public liability. - Touring Caravan: for UK residents over 25. Cover while in use, stored or towed, new for old cover on caravans up to 15 years old, £5m public liability and 24 hour emergency assistance and recovery. - Residential Park Home: for UK park homes used solely as a permanent residence. Includes alternative accommodation up to £25,000. Notable exclusions: wear and tear, gradual deterioration, trade or business use, and escape of water in holiday caravans during winter months where precautions were not taken. ### Life Insurance & Serious or Critical Illness Cover Source: https://www.forcesmutual.org/product/life-insurance-serious-or-critical-illness/ Two protection products arranged by PMGI Limited trading as Forces Mutual, acting as an intermediary offering a restricted advisory service from a panel of selected insurers: - Life Insurance: a lump sum or income for loved ones if the policyholder dies. - Serious or Critical Illness Cover: a lump sum or income on diagnosis of a covered serious condition. Key features: free personalised advice from advisers who understand military circumstances, personal recommendations after a needs assessment, cover designed to complement existing service related benefits, and detailed quotations before purchase. Forces Mutual receives commission from insurers (a percentage of first year premiums) and charges no direct fees; quotations disclose commission amounts. Notable restriction: limits apply if deployment to a conflict area is anticipated within six months. Contact: 0151 363 5290 (or +44 151 363 5290 from overseas), Monday to Friday 9.00am to 5.00pm. ## Healthcare ### Forces Mutual Healthcare Scheme Source: https://www.forcesmutual.org/product/healthcare/ A discretionary, membership based healthcare scheme (not an insurance product) exclusively for military families. Members contribute to a collective fund, and payment decisions are made case by case. Operated by PMHC Limited under the Forces Mutual brand, with claims administered by Healix Health through the Forces Mutual Claims Service. Key benefits: - 24/7 GP telephone consultations, available worldwide. - Expert care from specialists with no waiting lists and private hospital rooms with en-suite facilities. - Up to £30,000 a year for inpatient treatment. - Physiotherapy access and mental health support. - No medical examination needed to join. - Family cover includes children up to age 18. Membership tiers: Individual Only, Individual & Partner, Family, and Single Parent, each priced by age band. Individual Only membership at time of writing ranges from £22 a month (ages 18 to 24) to £125 a month (75 and over). Claims: members need a GP referral and must contact the Claims Service on 0208 049 8387 for authorisation before consultations or treatment. The claims team is available 8.00am to 6.00pm on weekdays. Notable exclusions: pre-existing conditions are subject to a five year waiting period, and the scheme excludes cancer treatment, dental work, emergency care and cosmetic surgery. ## Financial Products and Services ### Mortgages Source: https://www.forcesmutual.org/product/mortgages/ A fee free mortgage advice service delivered by Grange Mortgage & Protection Services Ltd, chosen by PMGI Limited trading as Forces Mutual. Grange is an Appointed Representative of PRIMIS Mortgage Network (Advance Mortgage Funding Ltd), regulated by the Financial Conduct Authority. Key features: advisers who understand military specific circumstances, no fees charged to the customer, and independent access to the market including some exclusive deals. Covers first time buyer mortgages, home movers and buy-to-let. Important terms: PMGI Limited receives an introduction fee based on the loan amount plus potential performance based fees. Your home may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the FCA. Other mortgage intermediaries are available. ### Forces Help to Buy Source: https://www.forcesmutual.org/product/forces-help-to-buy/ Information and support around the MoD's Forces Help to Buy scheme, which helps serving personnel buy a first home or move home on reassignment or in extenuating circumstances. How the scheme works: - Borrow up to 50% of salary, to a maximum of £25,000. - Interest free, repaid over 10 years or less through equal monthly deductions from military pay. - Can be used towards a deposit and other purchase costs such as fees. - The loan must be repaid before leaving service. Eligibility: at least 2 years of service completed, more than 6 months of service remaining at application, buying a UK property, regular service personnel only (not reservists or Military Provost Guard Service), and no terminal benefits already received. Applications go through the Joint Personnel Administration system with guidance from the chain of command. Forces Mutual pairs this with the fee free mortgage advice service provided by Grange Mortgage & Protection Services Ltd. ### My Sovereign ISA Source: https://www.forcesmutual.org/product/sovereign-isa/ A stocks and shares ISA for tax efficient investing. Money is invested in a My Sovereign Investment (ISA) within a Scottish Friendly ISA, which buys units in the Scottish Friendly Unitised With-Profits fund. Provided by Scottish Friendly Assurance Society Limited. Key features: - Invest from £20 a month or £100 lump sums. - Tax free growth within the annual ISA allowance of £20,000. - A guarantee that on the 10th anniversary of the start date you will get back at least as much as you have invested. - Access to your money at any time, managed online through Scottish Friendly's My Plans portal. Eligibility: serving and retired military personnel, reserves, families, contractors and support organisations. Risk warnings: the value can go down as well as up, and cashing in other than at a guarantee point may return less than was paid in. Intended as a medium to long term commitment of 5 to 10 years. ## Cyprus Postings Source: https://www.forcesmutual.org/cyprus-postings/ Forces Mutual supports British Forces Cyprus with on island teams at branches in Akrotiri and Episkopi, plus a regular presence at three further locations and named local advisers. Forces Mutual is a SIIAP member and operates under MoD specific codes of conduct. Most products are available to service personnel and MoD contractors in Cyprus, including breakdown cover, caravan and park home insurance, healthcare, kit insurance, life and critical illness cover, mortgages, personal accident insurance and travel insurance. Motor insurance is not provided by Forces Mutual in Cyprus; the page mentions Cosmos Insurance as a local option but states that Forces Mutual does not recommend or endorse it, and notes that a Cypriot insurer is not covered by the UK Financial Ombudsman Service or the Financial Services Compensation Scheme. The page also points to the Army Families Federation and local Hive guides for posting information. ## Claims Support Source: https://www.forcesmutual.org/about/claims/ - Breakdown (Rescue Control Centre): 0800 731 4590 in the UK or +44 0277 235 790 from Europe, 24 hours. Text support is available for deaf and hard of hearing customers. - Car Insurance claims: 0330 123 5992, 24 hours a day, 365 days a year. Motor legal protection: 01625 466843 for accidents, 0117 917 1698 for disputes. - Healthcare claims: 0208 049 8387 or email, 8.00am to 6.00pm weekdays. - Kit Insurance claims: 0333 043 4640 or email; personal liability claims 0333 043 4639. - Personal Accident claims: 0333 043 4638 or email. - Travel Insurance: 24/7 emergency medical assistance on +44 (0)2921 684 263; non emergency claims 01444 442277. ## Contact Source: https://www.forcesmutual.org/contact/ General enquiries: 0151 363 5290, Monday to Friday 9.00am to 5.00pm. Feedback and complaints: https://www.forcesmutual.org/about/feedback/ ## News and Blog Source: https://www.forcesmutual.org/news-blog/ Regular articles for the military community across categories including Money, Wellbeing, Motoring, News, Kit, Mortgages, Caravan, Homeowners, Life, Personal Accident and Travel. Recent topics include the financial perks of park home living, achieving the Silver level of the Armed Forces Covenant, checks to spot a stolen caravan before buying, fuel saving tips, life as an Army Reservist, and what happens when a car is written off. ## Legal and Policy Pages - Privacy Policy: https://www.forcesmutual.org/about/privacy-policy/ - Cookie Policy: https://www.forcesmutual.org/about/cookie-policy/ - Legal: https://www.forcesmutual.org/about/legal/ - Accessibility: https://www.forcesmutual.org/about/accessibility/ - Social Media Policy: https://www.forcesmutual.org/about/social-media-policy/ ## Related Sites Forces Mutual's sister brand, Police Mutual, serves the UK police family at https://www.policemutual.co.uk/.