About Us

At The Military Mutual We Stand Together

What is The Military Mutual?

Owned by you to serve and support the military family. We’re to committed supporting a range of military causes and charities. We put our principles into action.

The Military Mutual is a Mutual set up to provide fair, financial services such as Home, Landlord, Military Kit and Business cover to those who are serving, veterans, families and supporters of our armed forces.

Some of our products have been designed to meet the needs of those serving in the military and their families. But they can also offer great value for people who believe our armed forces do a great job.

Our Manifesto

At The Military Mutual, our manifesto is very simple: always do the right thing for our Members.

It’s why as a Mutual, we don’t have shareholders. Instead, we let our Members have a say in how we do things. And it’s why we can use our discretion to settle claims, even if that means we pay out more than the policy would cover or normally allow.

We’ll always do what we believe is the right thing to do.

Together we’re Stronger

The Military Mutual is owned by and run for the benefit of its Members, meaning that any future surpluses can be used to support the military community and causes.

When you take out cover with The Military Mutual, you become a Member of the Mutual which means you can have a say on how the business is run if you want to.

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How We Support The Military Mutual

We’re committed to supporting a range of military causes and charities. We put our principles into action.

Legal Defence Service

Our business was created to help the military family and few things meet that brief better than ensuring serving members of our armed forces receive fair treatment when their military career is under threat.

In the last two years, The Military Mutual has provided free legal advice and representation to over 200 members of the armed forces through the Court Martial process where they would otherwise have been faced with un-affordable legal costs of up to £9,000. Our specialist Court Martial service has provided support and representation which has resulted in acquittal, reduced charges or in some cases, charges being withdrawn. But most importantly, it means we have ensured a level playing field and avoided some Members having to try to represent themselves in Military Courts.

We believe this is a great example of our purpose and values in action.

Legal Defence Services

Supporting Military Charities and Causes

We’re also committed to supporting military charities including:

  • Sponsoring Blesma Week – to help veterans to lead independent lives
  • Sponsored the Armed Forces Para Snowsport Team
  • Helping ex-military and injured service people by providing free Buildings cover for the 18 Haig Houses that underwent refurbishment by the DIY SOS team
  • We’ve 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
  • Working in partnership with X-Forces to nurture entrepreneurial ambition within the armed forces community. Supporting veterans and military families with self-employment and new business ventures
  • We offer 12 months free Military Kit and Personal Belongings cover to new recruits in training

A Discretionary Mutual

All our Directors are Members of the Mutual. The Directors have the power to agree claims that aren’t normally covered if they decide that the circumstances justify them doing so.

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.

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. All of our products have been designed to meet the needs of those serving in the military.

Military Covenant

We’re committed to honour the Armed Forces Covenant and support the armed forces community.

The Armed Forces Corporate Covenant

Who Leads The Military Mutual?

Your Board is made up of ex-serving members of the Royal Navy (Anne Baxter and Bruce Williams), the Army (Nick Parker, Sebastian Roberts and Bill Rollo) and the Royal Air Force (Mike Harwood). We also have Lee Mooney, an insurance specialist with 30 years’ experience. The Board aren’t shareholders, they’re customers and Members too and are accountable to the Members of The Military Mutual.

Sir Sebastian Roberts

Chairman, Major General (Retired)

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 (Retired)

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 (Retired)

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.

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.

Michael Harwood CB CBE MA

Air Vice-Marshal (Retired)

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

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.

Lee Mooney

Chief Executive Officer

Lee is the Military Mutual’s new CEO having been appointed at the start of the year. He has an extensive career in the insurance industry with Executive roles at RSA, Tesco and Coop in the U.K. and, abroad in Japan and Taiwan