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Military Kit Essentials Insurance

Worldwide cover for military kit & belongings

Kit Essentials is our entry-level armed forces insurance, typically suitable for single and unaccompanied married people in Single Living Accommodation or similar.

  • Permanent & temporary issue military kit

  • Personal property including gadgets and room contents

  • Money, credit cards, valuables and sports equipment

  • Licence to Occupy liability and Public liability

  • Accidental damage & new for old replacement

Kit Essentials insurance – what’s covered

Forces Plan military Kit Essentials insurance includes the following features:

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:

Household goods


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.

Personal effects


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.

Liability cover

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.

Notable exclusions


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

Included with all policies

Adjust cover at any time

We know that your circumstances can change at short notice, so whether you’re in the UK, on manoeuvres or deployed on ops, you can adapt your military insurance cover at any time without paying a penalty.

Monthly Direct Debit & no renewals!

Enjoy greater affordability with easy monthly Direct Debit payments at no extra charge.

And, to make life even easier, Forces Plan military insurance policies renew on a rolling monthly contract – meaning you never need the hassle of annual insurance renewals. Just set it up once and it will continue until you choose to cancel your policy. It’s that simple!

Why choose Forces Plan armed forces insurance?

  • Military insurance specialists since 1983
  • UK-based customer support
  • Underwritten by AXA for peace of mind
  • Manageable monthly payments & no annual renewals
  • One of the most affordable policies on the market
  • 24/7 claims & speedy response times
  • Worldwide cover as standard
  • Flexible cover: increase or decrease at any time