Your responsibility in providing information to us
You must take reasonable care to provide complete, accurate and honest answers to the questions we ask when you take out, make changes to or renew your cover.
Please also tell us if there are any changes to the information you gave us.
If any of the information provided by you changes after you purchase or renew your cover please provide us with details. You may have to pay an extra contribution and, depending on the type of cover you have purchased, there may be a charge for making these changes.
If any of the information provided by you is not complete, accurate and honest we or the insurers may:
- cancel your cover and treat it as if it never existed
- refuse a claim
- not agree to pay any claim in full
- change the terms of the cover
- change or add an excess and the extent of the cover may be affected
We recommend you keep a record (including copies of letters) of all information provided to us for your future reference.
Renewing Your Cover
At least 21 days before each renewal date, we will tell you the contribution and terms and conditions that will apply for the following year. If you wish to change or cancel the cover then please tell us before the renewal date
Your Payment Options
If you choose to pay on a monthly basis, we will pass personal information and the bank details you provided to our third party finance provider, Premium Credit Limited.
Premium Credit Limited is authorised and regulated by the Financial Conduct Authority (FCA).
Premium Credit Limited will send you a welcome pack containing full information about your credit agreement. It is important that you read all this information carefully and take time to consider it, especially the terms and conditions of the loan agreement.
If you wish to proceed with the credit agreement, you must sign and return one copy to Premium Credit Limited promptly. If you don’t return your signed agreement within 14 days of getting it, your cover may be affected and you may be charged an administration fee.
You can withdraw free of charge from the credit agreement within 14 days of signing your credit agreement.
If you do withdraw, you will have to pay back any credit you received and find a different way to pay your contribution. Your cover may be cancelled.
Who Provides Your Protection?
The Military Mutual offers cover on a discretionary basis to its Members which means the Board can, at its discretion, settle claims outside the normal terms and conditions if they feel that Members would support this. We collect contributions from our Members and use these to pay claims and to cover operating expenses. Any future surpluses generated beyond these needs belong to our Members and can only be used for the benefit of our Members or as agreed by our Members.
Where your Home cover includes Family Legal Protection or Home Emergency, we have arranged insurance with DAS Legal Expenses Insurance Company Limited. DAS’ company number is 5417859 and their registered office is DAS House, Quay Side, Temple Back, Bristol, BS1 6NH
Concerning the Mutual
The Mutual is a discretionary mutual. This means that claims are handled in line with the Mutual’s rules and whilst You should expect that valid claims will be paid, the board has the final decision. This means that they may also agree claims for Our members which would not otherwise be covered by a conventional insurance policy.
The Mutual also arranges contracts of insurance for its members offered by certain third party providers.
TMM Group Insurance Policy
As an added benefit of membership, TMM has purchased for some of our discretionary mutual products additional protection for itself and for the benefit of our members via contractual insurance policies. These Group Insurance Policies exactly match your mutual cover with us. The protection available under these policies guarantees that you will be paid for a covered loss in the event that we do not pay you in full under the discretionary cover. These Group Insurance Policies are quite separate from your discretionary cover with the mutual.
These policies are available on request by emailing: admin@military-mutual.co.uk
Motor insurance is provided by one of these organisations:
Ageas (Company Number 354568 and whose registered office is situated at Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA)
Covea Insurance PLC (Company Number 5417859 and whose registered office is situated at Norman Place, Reading, RG1 8DA)
ERS (Company Number 426475 and whose registered office is situated at 52-54 Leadenhall Street, London, EC3A 2BJ.)
Sabre (Company Number 2387080 and whose registered office is situated at Sabre House, 150 South Street, Dorking, Surrey, RH4 2YY)
Motor insurance automatically includes Motor Legal Protection which are provided independently by DAS (Company number 5417859 and whose registered office is DAS House, Quay Side, Temple Back, Bristol, BS1 6NH)
These insurers are regulated by the FCA/PRA.
