Protecting your possessions

Insurance polices designed for the military community

Protecting your possessions

Insurance polices designed for the military community

Typical buildings or contents insurance policies don’t need an introduction.

However, if you’re in the Forces, how you arrange yours, and with who, will depend on your circumstances and may need some explaining.

Private Accommodation

If you are living in or just about to move to a home that you own or privately rent, then a standard policy to cover your buildings and/or contents should suffice. If you are in doubt of if you need both or not, then we will be happy to assist you.

Service Family Accommodation

If however, you are living in or just about to move to Service Family Accommodation (SFA) then you are liable for paying damage that results from either your actions or those of your family, guests and/or pets. They may also look at negligence.

Specialist Insurance

The MOD cap negligence liability to £20,000 and as result forms a special type of cover called ‘licence to occupy’. This type of cover is rarely covered in standard policies; therefore, the MOD recommend that you take our specialist insurance to cover you for this instance. If you are in doubt if your policy has this type of cover, then please call your insurer for clarification.

Consider Your Level of Cover

When weighing up the costs of the different types of policy it is vital that you consider exactly what and how much you are covered for, as essentially it will be at your own risk if the policy does not pay out for an event that incurs you loss/damage or are liable for.

Live in own property or privately rent

For standard policies we are whole of market brokers and can advise and recommend on these products free of charge.

We always look to secure you the most competitive deal, however all of our policies are 5 star defaqto rated meaning that you are purchasing the most comprehensive cover available.

Quality of cover is paramount to us and the service we provide to our clients.

For more information visit https://www.defaqto.com/

Live in Service Family Accommodation

If you have read the above and want to make sure you are covered for your MOD liability, then specialist military insurance with licence to occupy is the way to go. We have hand selected and formed partnerships with some of these providers on a referral only basis and will gladly put you in touch for a quotation.

If you already have some form of kit insurance it may be worth checking if your contents and possessions are already covered under this.

Kit Insurance

Via our specially selected partners we can also arrange an introduction for your kit cover.

Landlords Cover

If you let a property, it is important that you have the correct type of buildings and/or contents insurance in place to cover the additional risk of a third party living in your property. We can offer whole of market advice and recommendation on these products free of charge.

We offer fully flexible policies with high levels of cover, various add on such as malicious damage or rental void cover all at very competitive process.

You will also have the added peace of mind that the policies are 5 star defaqto rated. For more information visit https://www.defaqto.com

We’re here to help

Whatever your situation, we are not here to judge you, but to help you move on to the next chapter in your life with the help of our experts.

Call us now on 0330 3322 614

to speak to a member of our team of experienced and qualified financial advisers

Call us now on 0330 3322 614

to speak to a member of our team of experienced and qualified financial advisers

Find out about Forces Help to Buy and get your FREE guide.

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Find out about Forces Help to Buy and get your FREE guide.

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