Military Kit Insurance, Home & Room Contents Insurance and Licence to Occupy Insurance

Military kit insurance and home insurance is a simple solution to protect your military equipment, personal possessions and any home or room contents, anywhere in the world.

At Trinity, we understand the importance of Military insurance. We pride ourselves on offering high quality, value for money Military kit and home insurance for Royal Navy and Royal Marines; Army; Royal Air Force personnel.

In the event of damage, loss or theft of a piece of issued kit or equipment, you would be liable for replacing. It is important to ensure you have military kit and home insurance.  This gives you peace of mind that your personal possessions and those issued by the military are covered anywhere in the world.

What does military kit and home insurance cover?

  • Military kit insurance and equipment
  • Personal possessions
  • Home or room contents
  • Licence to occupy insurance cover
  • Worldwide cover
  • Kit personal
  • Accidental damage
  • Transit moves
  • Theft of money
  • Legal expenses
  • Spectacles
  • Frozen food
  • Personal legal liability

What's not covered?

  • Existing or deliberate damage
  • Damage caused by mechanical faults or breakdown
  • Damage arising by wear or tear


Is there a policy excess?

  • Excess is £50 per claim except for small electrical items which is £75 per claim. In respect of goods in transit the excess is increased to £250 for claims occurring within first 3 months.

What does it cost?

  • Kit and contents cover from £11.69* per month
  • No charges for changes to your policy
  • No charges for new documentation
  • No charges for cancellation


*Based on a basic level of cover for a customer based in the UK, quote is subject to eligibility criteria.

Includes £2.25 admin fee, £1.25 legal expenses and IPT at 12% where applicable.

Calls may be recorded for training and quality purposes.

What is Covered in Kit & Home Insurance?

Your issued kit, uniform, equipment and your personal items;  your home or room contents and damage caused to your service accommodation (licence to occupy). It includes insurance for your goods when you are on the move, theft of money, legal expenses, glasses cover, frozen food and personal legal liability.

Personal effects and valuables

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

Our 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 accommodation, 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 covers your legal costs and damages, 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.

Legal expenses

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.

Interested in further insurance products? Check out our military insurance, military personal accident insurance or military life insurance

About Trinity Insurance

  • Our products are designed specifically for the Armed Forces Family
  • We operate under the time honoured military values; service, loyalty, integrity and trust
  • Over 20 years experience in the military insurance industry
  • Quality protection for great value
  • We will never sell you anything you don’t need
  • No hidden charges
  • Simple, straight forward process to buy online, over the phone or face to face
  • Experienced  team offering you support on base across the UK, Germany and Cyprus