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.

Have you seen our news?


Ready to have a conversation?

Email UsContact Us

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provided support and representation which has resulted in acquittal, reduced charges or in some cases, charges being withdrawn.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. The Board are not shareholders as the Mutual is owned by its Members which means the Board are accountable to you as a Member.

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.

It is with profound sadness that we announce that our Chairman, Sir Sebastian Roberts, passed away on the 9th of March 2023.

He was busy with numerous projects even on that day, unaware that his extraordinary and wonderful life was about to end.

The London Oratory (https://www.bromptonoratory.co.uk/#about) will doubtless see a remarkable gathering of family and friends at 11am on the 13th April, paying their last respects but knowing that his legacy will live on.

The Military Mutual will elect a replacement Chairman at its next AGM but has an interim quorate Board for running the business, one which continues to serve the Military Family.

Michael Harwood CB CBE MA

Air Vice-Marshal (Retired)

Michael 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.

Mike lives with his wife, Cheryl, in the city of Bath. He remains actively involved in all matters Defence and flies Air Cadets from MOD Boscombe Down in the mighty Grob Tutor.