Our military kit and home insurance will cover loss or damage to your personal possessions anywhere in the world on a new for old basis. All small electrical gadgets (mobile phones, iPads etc) are automatically covered for up to £500 each, and we can offer specific cover for more valuable items such as jewellery or watches.
Home or room contents
Military kit and home insurance offers protection for loss or damage to your room or home contents by fire, flood, and theft. Accidental loss or damage cover is automatically included as are transit moves within the UK or overseas.
License to occupy cover
If you live in service accomodation, you are responsible for any damage up to the sum currently advised by the MOD. In August 2011, this was set at £20,000 - this applies whether you are living as a single person or in a married quarter. Our military kit and home policy automatically provides cover should you cause any damage.
Personal legal liability
This provides protection for your legal costs and damages awarded against you, if you, or any member of your family living with you causes accidental injury to other person(s) or damage to their property. Family pets such as cats and dogs (excluding dangerous dogs) are regarded as family members.
If you have a legal problem and need to discuss it with someone, our legal helpline is there for you to use whichever country you are based in. In certain areas such as employment disputes, contractual disputes and personal injury you can be provided with up to £75,000 of legal expenses.
As with most household insurances, our military kit and home policies do have an excess; this is £50 for each and every claim except for small electrical items (mobile phones, iPads etc) which have an excess of £75.
Payment is normally made by monthly direct debit from your UK bank account - this system is tightly controlled and offers many guarantees for you. Collection is usually made on the first working day of each month.
Kit and home claim procedure
1. First report the loss or theft to the authorities immediately 2. Obtain a crime or incident reference number 3. Next telephone the claims department as listed on your policy documentation 4. Where possible, keep all receipts, warranties, instructions and valuations 5. For damaged electrical goods obtain an estimate from a repairer or a note that states it's beyond repair 6. Finally always keep damaged items until your claim is resolved
To ensure your claims are dealt with quickly, please send back claim forms and supply any information requested by the claims handler as soon as possible.