Kit & Personal Possessions Insurance
Our Kit & Personal Possessions Insurance gives you peace of mind knowing if anything happens to your service kit, it’ll be taken care of. We cover more than just the kit – from breaking your phone to accidental damage in your accommodation. Take a look at what’s available.
Protect your possessions
Protect your laptop and mobile with up to £2,000 per item covered as standard. If valued over £2,000 must be specified on your policy.
Up to £40,000 worth of cover
For your military issued kit, temporary kit and personal possessions.
Licence to occupy cover as standard
Worldwide cover.
Option to include home contents cover
Three levels of cover available; £10,000, £30,000 or £100,000.
What’s covered
- Service Equipment: accidental loss of or accidental damage to, malicious damage to or theft of issued kit, temporary issued kit.
- Personal Possessions: accidental loss of or accidental damage to, malicious damage to or theft of your personal possessions.
- Pedal Cycles: accidental loss of or accidental damage to, malicious damage to or theft of your pedal cycle. The most we will pay for any pedal cycle is £3,000 unless specified in the policy schedule.
- Mobile Phones: accidental loss of or accidental damage to, malicious damage to or theft of your Mobile Phone. The most we will pay for mobile phone is £2,000 unless specified in the policy schedule.
- Personal Money: £500 cover for loss or theft of personal money or misuse of a credit card by an unauthorised person.
- Personal Liability Cover: costs you become liable to pay as compensation to the public to the cost of £500,000.
- Valuables: accidental loss of or accidental damage to, malicious damage to or theft of your valuables. The most we will pay for any valuable is £3,000 unless specified in the policy schedule.
What’s not covered
- Service Equipment: theft from a road vehicle unless the vehicle was locked and items were hidden from view (maximum payable £2,000)
- Personal Possessions: mobile telephones, laptops, iPods, MP3 players, and GPS’s exceeding £2,000 in value unless specified on the schedule.
- Pedal Cycles: theft unless in a locked building or securely locked to an immovable object.
- Mobile Phones: loss or damage caused by electrical or mechanical failure, atmospheric conditions, general wear and tear to any item.
- Personal Money: losses not reported to the police. Losses of credit cards not reported to the card issuing company within 24 hours of discovery.
- Personal Liability cover: costs you become liable to pay as a result of your ownership of motorised vehicles or crafts.
The (not so) small print
A monthly administration charge of £1 is payable to Forces Mutual. This charge is collected with your premium.
Kit & Personal Possessions insurance is arranged by Motorplus Limited t/a Coplus and underwritten by Collinson Insurance Limited (a trading name of Astrenska Insurance Limited).
Kit & Personal Possessions Legal Expenses Cover is provided by ARAG plc who is authorised to administer this insurance on behalf of the insurer ARAG Legal Expenses Insurance Company Limited.
Kit & Personal Possessions Insurance Documents
It’s important you understand all of the key information, 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.
Kit & Personal Possessions – for policies taken out (including anniversary policies) on or after 1st May 2025.
Before applying, please read the important information in the policy document section above.
or call us on 0151 363 5290
Have a Military Kit Insurance question?
Take a look at some frequently asked questions about our military car insurance:
Who can take out a Kit & Personal Possessions Insurance?
To buy this policy, 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
Where am I covered?
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.
Can I pay monthly?
Yes, you can choose to pay monthly by Direct Debit. Unlike other insurers, we don’t charge extra on top of your annual premium, so you can spread the cost without needing to pay a lump sum upfront.
When does the cover start and end?
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.
What is Licence to occupy cover?
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 Insurance.
Is there a cooling off period?
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.
What is not insured?
It is important to read the Insurance Product Information Document (IPID) and Policy Document that lists what is not insured in your policy to ensure the product you take out is right for you. The following documents are available above.
Does the policy cover theft from your vehicle?
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.
I would like to amend details on the policy, can I do this?
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.
What is the excess per claim?
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 & Personal Possessions Insurance): £250
Specific excesses will be confirmed in your policy schedule as could change if endorsements are added to your policy.
Does the policy cover your kit during deployments and overseas exercises?
Yes.
Are there any limits on the value of individual items or the overall claim amount?
Throughout the policy there are a few single article limits that apply, any item valued higher than these will need to be specified. Please see IPID for full details.
I have moved address but forgotten to update my details, is my claim still valid?
It is really important to update Forces Mutual of a change of address as this could invalidate your cover. Please contact 0151 363 5290.
Am I covered for accidental damage to personal possession during training or everyday use?
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.
I’m a Forces Mutual policyholder and am just about to retire from the Forces. Can I still continue the policy?
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.
I have children in boarding school, are their possessions covered?
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.
What’s a risk address and why do I need it?
This is the address that you live at and want to insure under your policy.
Does the policy cover personal items like phones, wallets, and watches?
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.
If I make a claim what mobile phone or laptop replacement will I get?
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.
Am I covered if my device stops working due to old age/wear and tear?
No, the policy will cover accidental damage or accidental loss to your device.
How can I make a claim?
Telephone: 0333 043 4640 in relation to sections 1-4 or 0333 043 4639 in relation to section 5
Claim online: https://forcesmutualclaims.coplus.co.uk
Mail: Coplus Claims, Floor 2 Norfolk Tower, 48-52 Surrey Street, Norwich, NR1 3PA
How can I get covered?
Get a quote by clicking the red button above.
Or telephone 0151 363 5290.
Existing customer?
To make a claim on your Kit & Personal Possessions Insurance policy
All claims will be handled by Coplus or their chosen claims supplier.
Telephone: 0333 043 4640 in relation to sections 1-4 or 0333 043 4639 in relation to section 5
Claim online: https://forcesmutualclaims.coplus.co.uk
Mail: Coplus Claims, Floor 2 Norfolk Tower, 48-52 Surrey Street, Norwich, NR1 3PA
You may need to give us some information and proof to help with your claim. This will include things like:
- The date of the incident
- The cause of the loss or damage
- Details of the loss or damage together with claim value if known
- Police details where applicable
- Names and addresses of any other parties involved or responsible for the incident (including details of injuries) and addresses of any witnesses
- Original purchase receipts, invoices, instruction booklets or photographs
- Purchase dates and location of lost or damaged property
- For damaged property, confirmation from a suitably qualified expert that the item you are claiming for is beyond repair.
These products are arranged and administered by PMGI Limited trading as Forces Mutual, more information is available on our legal page.