AT THE MILITARY MUTUAL
WE STAND TOGETHER

What is The Military Mutual?

Owned by you, to serve you and the Military Family

As a mutual we are owned by our members. Because we don’t have shareholders who expect to be paid dividends, any surpluses belong to members and can be used to re-invest in products and service and support the wider military community.

However, you don’t have to be in the armed forces to be a member or take cover with us.

We protect what matters.

    • Why Choose Us?
      The Military Mutual is owned by and run for the benefit of its members, meaning that any surpluses can be used to support military community and causes.
    • A Discretionary Mutual
      All our directors are members of the mutual. The directors have the power to agree claims that are not covered if they decide that the circumstances justify them doing so.
    • Builders Direct S.A.
      The policies are underwritten by Builders Direct S.A. which is a European company authorised to operate in the UK.

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We listen to our members.

We’re committed to listening to and acting upon our members’ needs and views when we develop products and services.

We put our principles into action. Our products have been designed to meet the needs of those serving in the military. Read what members have to say here.

 

  • Charities and Causes
    We aim to serve the wider military community. The Military Mutual supports charities and causes that are important to the Military Family and its supporters. To date we have supported Haig Housing  and the Armed Forces Para Snowsport Team. We have also made donations on behalf of new members to The Royal Air Force Benevolent Fund, The Royal Naval Benevolent Trust and ABF The Soldiers’ Charity.

 

  • An Ethical Business
    Every decision we make as a Mutual is reinforced by our core values of respect, fairness and dependability. Doing the right thing for our members is at the centre of what we do. Commitment to the community we serve – protecting what matters

Real People. Real Stories

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  • Sir Sebastian Roberts <br/>Chairman

    Major General (Ret'd)

    Sir Sebastian Roberts
    Chairman

    Educated at Ampleforth College and Balliol College, Oxford, Roberts was commissioned into the Irish Guards in 1977.

    He went on to be Commanding Officer of the 1st Battalion of the Irish Guards in London and Northern Ireland.

    He was appointed Major-General Commanding the Household Division and General Officer Commanding London District in 2003. He became the Senior Army Representative at the Royal College of Defence Studies in 2007 and retired in 2010. He was also Colonel of the Irish Guards from 2008 to 2011.

    He was replaced by HRH The Duke of Cambridge on 10 February 2011.

  • Sir Nick Parker

    General (Ret'd)

    Sir Nick Parker

    Sir Nick Parker left the UK Army in May 2013. Since leaving he has reviewed the senior structure of the Police Service and is working with McKinsey and the Blavatnik School of Government on an initiative to improve Global Human Development.

    In the charitable sector he is the Chair of the Prince of Wales’ Step Up To Serve Campaign, was on the Board of Directors of the Invictus Games and is a Board Member of Team Rubicon Global, a new initiative that mobilises veterans in response to international disasters.

    His last appointment in the Army was as Commander in Chief Land Forces. His senior operational military experience includes commanding the UK Task Force in Sierra Leone in 2001, Deputy Commanding General (UK) Multi-National Corps Iraq based in Baghdad in 2005; he was the last active duty Army commander in Northern Ireland in 2006 and the commander of UK forces in Afghanistan and Deputy Commander of ISAF based in Kabul in 2010.

    Most recently he led the highly effective military reaction to the venue security crisis at the London 2012 Olympics.

  • Sir Bill Rollo

    Lieutenant General (Ret'd)

    Sir Bill Rollo

    Sir Bill Rollo left the British Army in June 2013. Senior operational appointments included command of 4th Armoured Brigade in Kosovo in 1999, Multinational Division (South East) in Basrah in 2004, Deputy Commanding General of Multinational Force (Iraq) and Senior British Military Representative in Baghdad in 2007-8.

    He was Adjutant General 2008-09 and Deputy Chief of Defence Staff (Personnel & Training) in the Ministry of Defence 2010-13.

  • Michael Harwood CB CBE MA

    Air Vice-Marshal (Ret'd)

    Michael Harwood CB CBE MA

    Michael Harwood CB CBE MA retired from active duty in the British armed forces in July 2012 after 34 years’ service.

    As a Royal Air Force pilot (principally on Harriers), he flew, instructed, and also tested innovative tactics and state-of-the-art equipment. Extensive time in the Gulf, invariably in leadership positions, was complemented by tours at the Permanent Joint Headquarters Northwood and the RAF’s headquarters at High Wycombe.

    At the Joint Services Command and Staff College Shrivenham, his primary responsibility was as Director of the Higher Command & Staff Course. In his last military tour, he headed the British Defence Staff in the United States and represented the UK in the United Nations’ Military Staff Committee in New York.

  • Bruce Williams CBE

    Rear Admiral

    Bruce Williams CBE

    Rear Admiral Bruce Williams CBE, educated at Kingswood School, Bath, and Lancaster University, was commissioned into the Royal Navy in 1980 and completed 35 years of service at the beginning of 2015.

    Senior operational appointments included commanding HMS Norfolk and HMS Campbeltown on operations ranging from Sierra Leone to Iraq, Persian Gulf and Indian Ocean.

    He was Deputy Commandant of the UK’s Joint Services Command & Staff College, Chief of Staff of NATO’s Maritime Command Headquarters and Deputy Director General of the European Union Military Staff in Brussels.

    Bruce is also a Younger Brother of Trinity House and a Companion of the Chartered Management Institute.

  • Paul Koronka

    Director

    Paul Koronka

    Paul founded Regis Mutual Management in August 2007. He started his working life as a maritime law specialist and then joined the world’s second largest ship-owners’ Mutual P&I Club.

    After a period heading a marine insurance recoveries department as a Partner at WK Webster and Co, he established a mutual management subsidiary, launching two mutuals in the UK and two in Australia.

    Paul then spent nine years at Charles Taylor Consulting where he was Chairman of the Non Marine Mutual Management Division, which led to the creation or management of nine mutuals.

    He is a well-respected speaker at conferences communicating the mutual message.

  • Anne Baxter MBE

    Director

    Anne Baxter MBE

    Anne Baxter MBE retired from the Royal Navy as a Warrant Officer First Class after 24 years’ service.

    Joining the WRNS in 1989, then embarking on a sea going career serving onboard HMS INVINCIBLE, HMS GRAFTON, HMS MANCHESTER, HMS ST ALBANS and HMS ALBION. Her final appointment was as the Supply Chain Senior Specialist Advisor for the Naval Service.
    Since leaving the Navy she has worked as a consultant with Defence Equipment & Support organisation supporting numerous projects to improve Support and Supply Chain performance.

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Who leads The Military Mutual?

Our directors come from service back grounds and represent the interests of our members

Major General (Ret'd)

Sir Sebastian Roberts
Chairman

Educated at Ampleforth College and Balliol College, Oxford, Roberts was commissioned into the Irish Guards in 1977.

He went on to be Commanding Officer of the 1st Battalion of the Irish Guards in London and Northern Ireland.

He was appointed Major-General Commanding the Household Division and General Officer Commanding London District in 2003. He became the Senior Army Representative at the Royal College of Defence Studies in 2007 and retired in 2010. He was also Colonel of the Irish Guards from 2008 to 2011.

He was replaced by HRH The Duke of Cambridge on 10 February 2011.

General (Ret'd)

Sir Nick Parker

Sir Nick Parker left the UK Army in May 2013. Since leaving he has reviewed the senior structure of the Police Service and is working with McKinsey and the Blavatnik School of Government on an initiative to improve Global Human Development.

In the charitable sector he is the Chair of the Prince of Wales’ Step Up To Serve Campaign, was on the Board of Directors of the Invictus Games and is a Board Member of Team Rubicon Global, a new initiative that mobilises veterans in response to international disasters.

His last appointment in the Army was as Commander in Chief Land Forces. His senior operational military experience includes commanding the UK Task Force in Sierra Leone in 2001, Deputy Commanding General (UK) Multi-National Corps Iraq based in Baghdad in 2005; he was the last active duty Army commander in Northern Ireland in 2006 and the commander of UK forces in Afghanistan and Deputy Commander of ISAF based in Kabul in 2010.

Most recently he led the highly effective military reaction to the venue security crisis at the London 2012 Olympics.

Lieutenant General (Ret'd)

Sir Bill Rollo

Sir Bill Rollo left the British Army in June 2013. Senior operational appointments included command of 4th Armoured Brigade in Kosovo in 1999, Multinational Division (South East) in Basrah in 2004, Deputy Commanding General of Multinational Force (Iraq) and Senior British Military Representative in Baghdad in 2007-8.

He was Adjutant General 2008-09 and Deputy Chief of Defence Staff (Personnel & Training) in the Ministry of Defence 2010-13.

Air Vice-Marshal (Ret'd)

Michael Harwood CB CBE MA

Michael Harwood CB CBE MA retired from active duty in the British armed forces in July 2012 after 34 years’ service.

As a Royal Air Force pilot (principally on Harriers), he flew, instructed, and also tested innovative tactics and state-of-the-art equipment. Extensive time in the Gulf, invariably in leadership positions, was complemented by tours at the Permanent Joint Headquarters Northwood and the RAF’s headquarters at High Wycombe.

At the Joint Services Command and Staff College Shrivenham, his primary responsibility was as Director of the Higher Command & Staff Course. In his last military tour, he headed the British Defence Staff in the United States and represented the UK in the United Nations’ Military Staff Committee in New York.

Rear Admiral

Bruce Williams CBE

Rear Admiral Bruce Williams CBE, educated at Kingswood School, Bath, and Lancaster University, was commissioned into the Royal Navy in 1980 and completed 35 years of service at the beginning of 2015.

Senior operational appointments included commanding HMS Norfolk and HMS Campbeltown on operations ranging from Sierra Leone to Iraq, Persian Gulf and Indian Ocean.

He was Deputy Commandant of the UK’s Joint Services Command & Staff College, Chief of Staff of NATO’s Maritime Command Headquarters and Deputy Director General of the European Union Military Staff in Brussels.

Bruce is also a Younger Brother of Trinity House and a Companion of the Chartered Management Institute.

Director

Paul Koronka

Paul founded Regis Mutual Management in August 2007. He started his working life as a maritime law specialist and then joined the world’s second largest ship-owners’ Mutual P&I Club.

After a period heading a marine insurance recoveries department as a Partner at WK Webster and Co, he established a mutual management subsidiary, launching two mutuals in the UK and two in Australia.

Paul then spent nine years at Charles Taylor Consulting where he was Chairman of the Non Marine Mutual Management Division, which led to the creation or management of nine mutuals.

He is a well-respected speaker at conferences communicating the mutual message.

Director

Anne Baxter MBE

Anne Baxter MBE retired from the Royal Navy as a Warrant Officer First Class after 24 years’ service.

Joining the WRNS in 1989, then embarking on a sea going career serving onboard HMS INVINCIBLE, HMS GRAFTON, HMS MANCHESTER, HMS ST ALBANS and HMS ALBION. Her final appointment was as the Supply Chain Senior Specialist Advisor for the Naval Service.
Since leaving the Navy she has worked as a consultant with Defence Equipment & Support organisation supporting numerous projects to improve Support and Supply Chain performance.

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