Kit & Personal Possessions Insurance

Our Kit & Personal Possessions Insurance gives you peace of mind knowing if anything happens to your service kit, it’ll be taken care of. We cover more than just the kit – from breaking your phone to accidental damage in your accommodation. Take a look at what’s available.

Protect | Forces Mutual

Protect your possessions

Protect your laptop and mobile with up to £1,500 per item covered as standard. If valued over £1,500 must be specified on your policy.

Personal Loans | Forces Mutual

Up to £40,000 worth of cover

For your military issued kit, temporary kit and personal possessions.

Mortgages | Forces Mutual

Licence to occupy cover as standard

Worldwide cover.

Insurance | Forces Mutual

Option to include home contents cover

Three levels of cover available; £10,000, £30,000 or £100,000.

Policy Documents
Get a Quote

What’s covered

  • Service Equipment: accidental loss of or damage to your issued Kit and/or temporary issued Kit (up to £40,000 cover)
  • Personal Possessions: accidental loss of or damage to your personal possessions
  • Pedal Cycles: accidental loss of or damage to your pedal cycle (pedal cycles exceeding £3,000 must be specified on your policy schedule)
  • Mobile Phones: accidental loss or damage to your mobile phone (phones exceeding £1,500 must be specified on your policy schedule)
  • Personal Money: £500 cover for loss or theft of personal money
  • Personal Liability Cover: costs you become liable to pay as compensation to the public to the cost of £500,000
  • Valuables: your valuable items, such as jewellery and watches (valuables exceeding £3,000 must be specified on your policy schedule)

What’s not covered

  • Service Equipment: theft from a road vehicle unless the vehicle was locked and items were hidden from view (maximum payable £1,000)
  • Personal Possessions: mobile telephones, laptops, iPods, MP3 players, and GPS’s exceeding £1,500 in value unless specified on the schedule
  • Pedal Cycles: theft unless in a locked building or securely locked to an immovable object
  • Mobile Phones: loss or damage caused by electrical or mechanical failure, atmospheric conditions, general wear and tear or any gradual operating cause
  • Personal Money: losses not reported to the police. Theft from an unattended road vehicle other than a locked boot or luggage/glove compartment following a forcible and violent entry to a securely locked vehicle
  • Personal Liability cover: costs you become liable to pay as a result of your ownership of motorised vehicles or crafts

The (not so) small print

A monthly administration charge of £1 is payable to Forces Mutual. This charge is collected with your premium.

Kit & Personal Possessions insurance is arranged by Motorplus Limited t/a Coplus and underwritten by Collinson Insurance Limited (a trading name of Astrenska Insurance Limited).

Kit & Personal Possessions Legal Expenses Cover is provided by ARAG plc who is authorised to administer this insurance on behalf of the insurer ARAG Legal Expenses Insurance Company Limited.

Kit & Personal Possessions Insurance Documents

It’s important you understand all of the key information, we recommend you read the below documents including the Insurance Product Information Document (IPID) before you get a quote or buy and keep it in a safe place.

Kit & Personal Possessions – for policies taken out (including anniversary policies) on or after 1st September 2023.

Before applying, please read the important information in the policy document section above.

Get a Quote
or call us on 0151 363 5290

Have a Military Kit Insurance question?

Take a look at some frequently asked questions about our military car insurance:

Who can take out a Kit & Personal Possessions Insurance?You must be a serving member, or spouse/common law partner, of, or on a temporary attachment to the HM Forces, UK Reserve Forces, or affiliated organisations to be able to purchase this insurance. Policyholders must be under 80 years of age.: Kit & Personal Possessions Insurance
Where am I covered?This policy provides cover anywhere in the world however there are limits for certain sections. For example, the Contents section will only provide cover within the boundary of the home that you have declared as your main residence, wherever in the world this may be.: Kit & Personal Possessions Insurance
Can I pay monthly?Yes, you can choose to pay monthly by Direct Debit. Unlike other insurers, we don’t charge extra on top of your annual premium, so you can spread the cost without needing to pay a lump sum upfront.: Kit & Personal Possessions Insurance
When does the cover start and end?Your cover starts on the date shown on your schedule and will continue unless the policy is cancelled, as long as you pay your monthly premium.: Kit & Personal Possessions Insurance
What is Licence to occupy cover?Cover applies for any accidental damage that may be caused whilst living in any single service living accommodation. This extends to service family accommodation or private tenancy agreement on the Kit & Personal Possessions Insurance.: Kit & Personal Possessions Insurance
Is there a cooling off period?If you apply for this policy and change your mind within 14 days after receiving the insurance documents, you can cancel it. Forces Mutual will refund your premium payment as long as you haven’t made any claims, and you don’t have any pending claims. To cancel, just contact Forces Mutual on 0151 363 5290.: Kit & Personal Possessions Insurance
What is not insured?It is important to read the Insurance Product Information Document (IPID) and Policy Document that lists what is not insured in your policy to ensure the product you take out is right for you. The following documents are available above.
• Kit & Personal Possessions Insurance IPID
• Kit & Personal Possessions Insurance Policy Document: Kit & Personal Possessions Insurance
Does the policy cover theft from your vehicle?You are not covered from theft from unattended road vehicles other than from a locked concealed luggage boot, concealed luggage compartment or glove compartment following forcible and violent entry to a securely locked vehicle. Please see IPID and Policy Document for policy limit under this section.: Kit & Personal Possessions Insurance
I would like to amend details on the policy, can I do this?Yes, it is important to update Forces Mutual of any changes that could affect your cover to your policy. Please contact us on 0151 363 5290.: Kit & Personal Possessions Insurance
What is the excess per claim?The standard excess are:

• Standard £60
• Tech Excess (laptop computers including netbooks, Ipads and tablets) £125
• Goods in Transit claim £150
• Any goods in transit claim within the first 3 months (or 3 months of adding contents on the Kit & Personal Possessions Insurance): £250

Specific excesses will be confirmed in your policy schedule as could change if endorsements are added to your policy. : Kit & Personal Possessions Insurance
Does the policy cover your kit during deployments and overseas exercises?Yes.: Kit & Personal Possessions Insurance
Are there any limits on the value of individual items or the overall claim amount?Throughout the policy there are a few single article limits that apply, any item valued higher than these will need to be specified. Please see IPID for full details.: Kit & Personal Possessions Insurance
I have moved address but forgotten to update my details, is my claim still valid?It is really important to update Forces Mutual of a change of address as this could invalidate your cover. Please contact 0151 363 5290.: Kit & Personal Possessions Insurance
Am I covered for accidental damage to personal possession during training or everyday use?You will be covered in both circumstances as long as you adhere to the policy terms and conditions, which can be found in your Policy Wording.: Kit & Personal Possessions Insurance
I’m a Forces Mutual policyholder and am just about to retire from the Forces. Can I still continue the policy?No, unfortunately if you no longer meet the policy eligibility the policy will need to cease. Please contact Forces Mutual on 0151 363 5290 so they can arrange the monthly payments to be cancelled.: Kit & Personal Possessions Insurance
I have children in boarding school, are their possessions covered?No, unfortunately the policy would not apply for children living away from your home. If you have purchased the Kit and Personal Possessions policy cover will apply to family members living with you.: Kit & Personal Possessions Insurance
What’s a risk address and why do I need it?This is the address that you live at and want to insure under your policy.: Kit & Personal Possessions Insurance
Does the policy cover personal items like phones, wallets, and watches?Yes, you are covered for things that belong to you or that you are responsible for and are meant to be carried or worn, like clothes and electronics, pedal cycles, sports gear, phones, laptops, music players, GPS, swords, firearms, and contact lenses.: Kit & Personal Possessions Insurance
If I make a claim what mobile phone or laptop replacement will I get?Where possible we would look to repair the device, if this is not achievable, we would look to supply you with a replacement device of similar value.: Kit & Personal Possessions Insurance
Am I covered if my device stops working due to old age/wear and tear?No, the policy will cover accidental damage or accidental loss to your device.: Kit & Personal Possessions Insurance
How can I make a claim?  For claims relating to sections 1-4 of this policy document please call: 0344 856 2151
For claims relating to section 5 of this policy please call: +44 (0) 333 333 1472: Kit & Personal Possessions Insurance
How can I get covered?Get a quote by clicking the red button above.
Or telephone 0151 363 5290.: Kit & Personal Possessions Insurance

Existing customer?

To make a claim on your Kit & Personal Possessions Insurance policy:

Claims under sections 1-4 of your Kit & Personal Possessions Insurance (service equipment & personal possessions, contents in the home, personal money & credit cards and tenants liability) are handled by Davies Group.

Davies Group are the trusted specialist claims partner on behalf of Coplus.
You can log your claim by calling 0344 8562151 alternatively you can submit a claim via the button below

Submit a claim

If you make a claim you will need to provide:

  • Your policy number
  • The date of the incident
  • The cause of the loss or damage
  • Details of the loss or damage with item value if known

These products are arranged and administered by PMGI Limited trading as Forces Mutual, more information is available on our legal page.