MILITARY KIT INSURANCE
Cover is subject to individual limits, exclusions and conditions. See Policy Wording for details.
Standard excess £50
Military kit £2,000 – £10,000
This cover is automatically included unless you are a civilian.
Permanent and temporary issue military kit on personal charge to you. Service uniforms, mess kit and equipment of a military nature purchased and owned by you. It excludes damage caused during cleaning, dismantling or maintenance.
Personal property £0 – £15,000
Worldwide cover for all of the following is included, provided that they belong to you or you are legally responsible for them.
Single article limit: £2,500 or the sum insured if you have chosen lower cover.
Personal property includes the following:
Contents kept in your room or quarter such as entertainment equipment, TV, bedding and interior decorations.
Money £500 per claim
Includes cash, cheques, vouchers, premium bonds, travel tickets and pre-booked entertainment tickets. Excludes credit/debit cards and lottery tickets.
Clothes and items of a personal nature likely to be worn, used or carried. For example, spectacles, portable gadgets such as radios, phones and tablets, sports equipment and bicycles.
Includes jewellery, articles containing precious metals such as gold and silver, watches, works of art and collections of stamps, coins or medals.
Bicycles £150 – £2,000
A single bike up to £150 is included within Personal property. You can choose to extend this up to £2,000 if required.
Theft is included only if the bicycle has been adequately secured.
Credit card liability £1,000 per claim
Liability for unauthorised use of your credit card, cheque/debit card or cash dispenser card.
The following liability cover is included:
Licence to Occupy Liability £20,000
Automatically included if you live in MOD accommodation. This specialist military cover is vital for tenants of service accommodation.
Covering you for damage to your MOD property, you will not find this cover included in standard civilian policies.
Public Liability £2 million
Pays for costs and expenses arising if you become liable to pay compensation for accidental death or damage to property. Action must be taken against you from within the UK, Isle of Man or the Channel Islands.
Unoccupied or unattended property
Theft from an unattended vehicle unless secure and out of sight
Damage caused by pets or vermin
Mechanical breakdown or data loss
Depreciation or wear and tear