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Military Kit Insurance
Worldwide insurance for your military kit, personal possessions and room contents.
- Includes cover for damage to service accommodation.
- Worldwide cover
- New for old cover for military kit
One of the UK's leading independent insurance brokers
Why choose military kit insurance with Towergate?
Accidental damage cover for military kit
Insurance for items you own or are responsible for being lost or damaged.
Worldwide cover for your military kit
Cover for your possessions worldwide, even when you are deployed.
Dedicated military kit team
Our specialist Customer Service Team are there for you Monday to Friday 9am - 5pm.
Direct Debit available
You can pay for your military kit insurance in instalments.
About military kit insurance
Damage to service accommodation
Also referred to as ‘License to Occupy’, covers you for any damage caused whilst living in any MOD based accommodation, up to the value of £20,000.
Claims team that understand military lifestyles and needs
Our claims team understand military lifestyles and needs, and how your job can have an impact on claims reporting and responses to letters.
New for old cover for forces kit
New for old cover is provided on everything except civilian clothing and bed linen where a deduction for wear and tear will be made. We will always try to replace your goods with the same item or the closest equivalent model.
Insurance for items you take on unaccompanied postings
Under our kit insurance policy we would not need to know about an unaccompanied posting and can still cover your items.
Watch our Military Kit and Contents Insurance video.
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
- Find your insurance documents and make sure you have all your information at hand, including your policy number.
- Call the claims team on 0345 603 8381 and explain exactly what happened
- Provide photos if requested to help us understand what happened as quickly as we can.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
Military kits insurance FAQs
Yes, if items you own or are responsible for are accidentally lost or damaged they are covered. Please note that general wear and tear and mechanical breakdown are not covered.
The standard excess is only £50. The laptop excess is £125.
No, but if you leave items unattended in your car they must be locked out of sight in the boot or locked in a glove compartment. Leaving items on display or hidden under a coat on the back seat could attract the attention of thieves.
Our kit insurance policy is designed specifically for the insurance needs of members of HM Forces. Under the terms of our policy we would not need to know about an unaccompanied posting.
Most of the time it's us you'll speak to but sometimes we feel that the appointment of a loss adjuster will help you to present your claim and speed up progress. Our claims team understand the needs and the lifestyle of HM Forces thus avoiding the need for you to explain how your job can have an impact on claims reporting and responses to letters.
To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.
If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.
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