0800 197 2770UK support team

Premium Kit & Home Insurance

Worldwide military contents insurance for HM Armed Forces

Forces Plan Premium Kit & Home insurance provides generous cover for service people who live with their families in SFA, private homes or similar, anywhere in the world.

  • Permanent & temporary issue military kit and military home contents

  • Personal effects, gadgets and sports equipment

  • Removals, transit and student belongings

  • Liability covers, Domestic helpline, Legal protection

  • Accidental damage & new for old replacement

Premium Kit & Home insurance – what’s covered

Forces Plan Military Kit & Home insurance includes the following features:

Cover is subject to individual limits, exclusions and conditions. See Policy Wording for details.


Standard excess    £50

Military home contents    £75,000 sum insured

Loss or damage to household goods, military kit, personal effects and valuables while they are in the home. This section is automatically included.

Home contents includes the following:

Military kit


Permanent and temporary issue armed forces kit on personal charge to you. Service military uniforms, mess kit and equipment of a military nature purchased and owned by you.

It excludes damage caused during cleaning, dismantling or maintenance.

Household goods, fixtures, fittings, interior decorations


Includes tenant’s fixtures, soft furnishings and accidental damage to mirrors, glass and oven doors.

Personal effects inc gadgets


Clothes and items of a personal nature (likely to be worn, used or carried) when they are in the home. This includes spectacles, contact lenses, portable gadgets such as radios, phones and tablets, bicycles and sports equipment.

Cover also includes £1,000 for the personal effects of visitors and domestic staff.

Valuables    40% sum insured


Including jewellery, watches, medals, cameras and camcorders.

Single article limit: 20% of contents sum insured.

Money    £500


Including cash, cheques, vouchers, premium bonds, travel tickets and pre-booked entertainment tickets. Excludes credit/debit cards and lottery tickets.

Credit card liability    £1,000


Liability for unauthorised use of your credit card, cheque/debit card or cash dispenser card.

Entertainment equipment


Including TVs, DVDs, satellite/cable receivers, aerials and dishes, computers and laptops.

Frozen food

Emergency entry

Replacement locks    £1,000

Temporary removal of home contents

Student belongings


Covers belongings in the room of full time students boarding away from home for educational purposes. £2,500 limit for theft.

Alternative accommodation    Up to 20% sum insured

Business equipment    £5,000


Computers and equipment used solely for business or trade. Includes £500 stock.

Excludes loss of data, money, documents.

Professional storage, removals and transit

Garden cover including plants    £5,000

Religious festivals, weddings & civil partnership cover


10% extra for 30 days before and after event

Liability to domestic staff    £10 million

Tenant’s liability where applicable    20% sum insured

Licence to Occupy Liability    £20,000


Automatically included if you live in SFA/SSFA. 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

Unrecovered damages    £2 million

24hr domestic and legal helplines

Family legal protection    £50,000

Personal possessions away from home (optional)    £500 – £15,000

Worldwide cover for loss or damage to military kit, personal effects, valuables and money.

Single unspecified item limit: sum insured or £10,000 (whichever is lower).

Personal possessions includes the following:

Military kit    £10,000


Permanent issue military kit single article limit: £10,000

Temporary issue military kit single article limit: £1,500; total limit per claim: £4,000

Personal effects inc gadgets


Clothes and items of a personal nature (likely to be worn, used or carried) when they are away from home. This includes spectacles, contact lenses, portable gadgets such as radios, phones and tablets, bicycles and sports equipment.


Money    £500

Credit card liability    £1,000

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

Vehicles and watercraft

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!

Need buildings insurance too?

If you are a homeowner living in the UK, we can offer our extensive Cherish Home Insurance policy which offers unlimited buildings and contents cover. Telephone us on 0800 197 2770 for more details.

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