Military Kit Insurance

Kit & Personal Possessions Insurance

You must be:

• aged under 80 years of age, and
• a serving member of H.M. Forces, or
• civilian staff of the MoD, or
• the husband, wife, civil partner or partner of the above

or with our prior approval:

• a member of the Army Reserve, or
• a contractor employed by the MoD, or
• an employee of an affinity partner of the MoD

Kit Start Insurance

You must be:

• aged under 80 years of age, and living in single service accommodation, and
• a serving member of H.M. Forces, or
• civilian staff of the MoD

or with our prior approval:

• a member of the Army Reserve, or
• a contractor employed by the MoD, or
• an employee of an affinity partner of the MoD.

This policy provides cover anywhere in the world however there are limits for certain sections. For example, the Contents section will only provide cover within the boundary of the home that you have declared as your main residence, wherever in the world this may be.

Yes, your policy is a monthly contract that is paid by Direct Debit and will continue every month, as long as you pay your monthly premium.

Your cover starts on the date shown on your schedule and will continue unless the policy is cancelled, as long as you pay your monthly premium.

Telephone 0151 363 5290 or go online.

For Kit & Personal Possessions Insurance click here.

For Kit Start Insurance click here.

Cover applies for any accidental damage that may be caused whilst living in any single service living accommodation. This extends to service family accommodation or private tenancy agreement on the Kit & Personal Possessions cover. Claims are expected to be reported following each individual event, rather than being held and submitted at the end of the tenancy.

No, cover is not for wear and tear to the property. The policy, however, covers for any accidental damage that happens throughout your occupancy, this should be claimed upon each insured event rather than waiting until end of occupancy.

If you apply for this policy and change your mind within 14 days after receiving the insurance documents, you can cancel it. Forces Mutual will refund your premium payment as long as you haven’t made any claims, and you don’t have any pending claims. To cancel, just contact Forces Mutual on 0151 363 5290.

To understand what is not covered under your policy, it’s important to review the Insurance Product Information Document (IPID) and the Policy Document. These outline exclusions and limitations to help ensure the product meets your needs.

You can find the relevant documents here:

• Kit Start IPID
• Kit Start Policy Document
• Kit & Personal Possessions IPID
• Kit & Personal Possessions Insurance Policy Document

For full details, including Legal Solutions for Kit & Personal Possessions, please refer directly to the policy documents.

You are not covered from theft from unattended road vehicles other than from a locked concealed luggage boot, concealed luggage compartment or glove compartment following forcible and violent entry to a securely locked vehicle. Please see IPID and Policy Document for policy limit under this section.

Yes, it is important to update Forces Mutual of any changes that could affect your cover to your policy. Please contact us on 0151 363 5290.

The standard excess are:

• Standard £60
• Tech Excess (laptop computers including netbooks, Ipads and tablets) £125
• Goods in Transit claim £150
• Any goods in transit claim within the first 3 months (or 3 months of adding contents on the Kit and Personal Possessions policy: £250

Specific excesses will be confirmed in your policy schedule as could change if endorsements are added to your policy.

Yes.

It is really important to update Forces Mutual of a change of address as this could invalidate your cover. Please contact 0151 363 5290.

You will be covered in both circumstances as long as you adhere to the policy terms and conditions, which can be found in your Policy Wording.

No, unfortunately if you no longer meet the policy eligibility the policy will need to cease. Please contact Forces Mutual on 0151 363 5290 so they can arrange the monthly payments to be cancelled.

No, unfortunately the policy would not apply for children living away from your home. If you have purchased the Kit and Personal Possessions policy cover will apply to family members living with you.

This is the address that you live at and want to insure under your policy.

Yes, you are covered for things that belong to you or that you are responsible for and are meant to be carried or worn, like clothes and electronics, pedal cycles, sports gear, phones, laptops, music players, GPS, swords, firearms, and contact lenses.

Where possible we would look to repair the device, if this is not achievable, we would look to supply you with a replacement device of similar value.

No, the policy will cover accidental damage or accidental loss to your device.

Telephone: 0333 043 4640 in relation to sections 1-4 or 0333 043 4639 in relation to section 5

Online: [email protected]