Mortgages | Forces Mutual

Licence to occupy cover as standard

Worldwide cover

Insurance | Forces Mutual

Protect your possessions

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No credit agreement for paying monthly

Protect | Forces Mutual

Protect your military issued and temporary kit

Which Kit Insurance Product is right for you?

Kit Start is only available to military personnel occupying single living accommodation.

Kit & Personal Possessions Insurance, there is a monthly administration charge of £1 payable to Forces Mutual. This charge is collected with your premium.

Kit Start Kit & Personal Possessions
(Single living accommodation)
Issued Kit£5,000£40,000
Temporary Issued Kit£20,000(Covers all kit and personal possessions)
Personal Possessions£5,000
Contents£5,000£10,000 – £100,000
Valuables£1,000£3,000
Bicycles£1,000£3,000
Licence to occupy£20,000£20,000
Personal Money£500£500
Personal Liability£250,000£500,000
Single Article Limit£2,000£1,500
Legal ExpensesNo£50,000
Get a Kit Start Quote
Get a Kit & Personal Possessions Quote
Learn more about Kit Start Insurance
Learn more about Kit & Personal Possessions Insurance

The (not so) small print

Kit & Personal Possessions and Kit Start 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.

Important Policy 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 Start Policy Documents

Kit & Personal Possessions Inssurance Policy Documents

Have a Military Kit Insurance question?

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

Who can take out Kit Insurance?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 Start Insurance
 
You must be:
• aged under 80 years of age, and living in single service accommodation, and
• a serving member of H.M. Forces, or
• civilian staff of H.M. Forces

or with our prior approval:
• a member of the Army Reserve, or
• a contractor employed by H.M. Forces, or
• an employee of an affinity partner of H.M. Forces.: Kit Insurance Dual Landing Page
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 Insurance Dual Landing Page
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 Insurance Dual Landing Page
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 Insurance Dual Landing Page
How can I get covered?Telephone 0151 363 5290 or go online.
For Kit & Personal Possessions Insurance visit: https://www.forcesmutual.org/product/kit-personal-possessions-insurance/
For Kit Start Insurance visit: https://www.forcesmutual.org/product/kitstart/: Kit Insurance Dual Landing Page
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 and Personal Possessions cover.: Kit Insurance Dual Landing Page
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 Insurance Dual Landing Page
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. These documents are available above.: Kit Insurance Dual Landing Page
  • Kit Start IPID
  • Kit Start Policy Document
  • Kit & Personal Possessions Insurance IPID
  • Kit & Personal Possessions Insurance Policy Document
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 Insurance Dual Landing Page
I would like to amend the 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 Insurance Dual Landing Page
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 and Personal Possessions policy: £250

Specific excesses will be confirmed in your policy schedule as could change if endorsements are added to your policy. : Kit Insurance Dual Landing Page
Does the policy cover your kit during deployments and overseas exercises?Yes. : Kit Insurance Dual Landing Page
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 Insurance Dual Landing Page
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 Insurance Dual Landing Page
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 Insurance Dual Landing Page
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 Insurance Dual Landing Page
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 & Personal Possessions Insurance policy cover will apply to family members living with you.: Kit Insurance Dual Landing Page
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 Insurance Dual Landing Page
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, pedalcycles, sports gear, phones, laptops, music players, GPS, swords, firearms, and contact lenses.: Kit Insurance Dual Landing Page
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 Insurance Dual Landing Page
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 Insurance Dual Landing Page
How can I make a claim?Kit & Personal Possessions Insurance
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 Start Insurance
For claims, please contact the insurer’s appointed claims supplier Davies Group:
Tel: 0333 043 4640 in relation to sections 1-4 or +44 (0) 333 043 4639 in relation to section 5 on your policy document.
 
Email: Valid8Admin@davies-group.com  
 
Claim online: https://forcesmutualkitandpersonalpossessions.davies-group.com
 
Mail: Davies Niche Claims, Unit 8 Fulwood Business Park, Caxton Road, Preston PR2 9NZ: Kit Insurance Dual Landing Page

Existing Customer?

To make a claim on your Kit Insurance Policy:

Claims under sections 1-4 of your Kit Insurance policy (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 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.