51% of new Members paid £140 or less for Buildings and Contents cover (July-Dec 2018).
76% of new Members saved at least £50 on their buildings and contents cover between July and December 2018. Minimum Price £80.
Why Choose The Military Mutual
- Available to everyone, whether you’re serving, a veteran, a pensioner, a family member or a proud supporter of our armed forces
- Up to £1,000,000 buildings cover and £100,000 contents cover
- Cover options include accidental damage, home emergency and family legal protection
- Military kit is covered as standard for serving members
- Friendly UK-based call centre
- We’re a mutual which means we have no shareholders. We’re owned by our Members - our customers. Any future surpluses can be used to support military-related causes
Together we’re Stronger
You don’t have to be in the armed forces to be a Member and take out cover with us. If you support our armed forces and believe they do a great job you’re welcome to join us.
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, which means our Members can have a say in how we do things. It’s also the reason why we can use our discretion to agree claims that may not be included in the cover or are more than terms would normally allow.
We’ll always do what we believe is the right thing to do.
Ready to have a conversation?
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Get a QuoteWho Provides Your Cover
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.
As an added benefit of membership, we have purchased for some of our products additional protection for our Members under group insurance policies with Builders Direct S.A., a European insurance company rated A- (Excellent) by A.M. Best for its financial strength. These Group Insurance Policies exactly match your Mutual cover with us and also give you access to the Financial Ombudsman Service (FOS) and the Financial Services Compensation Scheme.
The protection you can receive under the Group Insurance Policy 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. There is no charge to you for these Group Insurance Policies.
For Home Owners and Tenants
- Cover for your contents, valuables and personal belongings
- Up to £50,000 contents cover including up to £3,000 for any one single item with Standard cover
- Up to £2,000,000 owners’, occupiers’ and personal liability cover
- Your contents and personal belongings covered worldwide for up to 60 days as standard
- Military kit covered as standard for serving military personnel
- Choose your excess from as little as £50
Buildings Cover
- Up to £500,000 buildings cover as standard
Optional Add Ons
Home Emergency Cover
- Up to £1,000 to make your home safe and prevent more damage
- Up to £250 for overnight accommodation
Family Legal Cover
- Up to £50,000 Family Legal Cover for cost and expenses
| Cover Levels | Standard | Standard Plus |
| Buildings | £500,000 | £1,000,000 |
| Accidental damage | Optional | Included |
| Alternative accommodation | £20,000 | £50,000 |
| Replacement locks | £500 | £1,000 |
| Finding a leak etc | £1,000 | £2,000 |
| Building materials | £50,000 | £100,000 |
| Damage to trees, plants and shrubs | Not Included | £1,500 |
| Home Contents and Personal Property | £50,000 | £100,000 |
| Accidental damage | Optional | Included |
| Protection limit each unspecified item of personal belongings and valuables | £3,000 | £5,000 |
| Protection limit for each piece of kit | £4,000 | £7,500 |
| Money and bank cards | £250 | £1,000 |
| Fridge or freezer contents | £250 | £500 |
| Alternative accommodation | £10,000 | £20,000 |
| Replacement locks | £500 | £1,000 |
| Trees and shrubs | Not Included | £1,500 |
| Domestic heating oil and water | £1,000 | £2,000 |
| Living quarters and MOD contents | £20,000 | £20,000 |
| Pedal cycles | £500 | £1,500 |
| Contents in the open | £1,000 | £2,500 |
| Property in student accommodation | £1,500 | £2,500 |
| Property in a bank, where you work etc | £2,500 | £5,000 |
| Fatal injury | Not Included | £25,000 |
| Home business money | Not Included | £25,000 |
| Home business costs to continue working | Not Included | £25,000 |
| Home business stolen or damaged records | Not Included | £5,000 |
| Your Legal Liabilities | £2,000,000 | £2,000,000 |
| Liability to domestic staff | Not Included | £10,000,000 |
| Unpaid compensation and legal costs | Not Included | £2,000,000 |
| Home business liability | Not Included | £2,000,000 |
| Personal Accident (For HM Forces Personnel) | ||
| Loss of both arms or legs | £40,000 | £80,000 |
| Loss of sight in both eyes | £40,000 | £80,000 |
| Loss of sight in one eye | £20,000 | £40,000 |
| Loss of one arm or leg | £20,000 | £40,000 |
| Loss of speech | £20,000 | £40,000 |
| Loss of hearing in both ears | £20,000 | £40,000 |
| Loss of use of hands, feet, arms or legs | £20,000 | £40,000 |
| Permanently disabled and cannot work | £20,000 | £40,000 |
| Hospital each day | £30 | £60 |
| Burns to more than 25% of your body | £10,000 | £20,000 |
| Broken arm or leg | £500 | £1,000 |
| Death | £20,000 | £40,000 |
| Short term disability each week | £80 | £160 |
| Loss of both arms or legs | £40,000 | £80,000 |
| Holiday Cancellation (For HM Forces Personnel) | £2,500 | £5,000 |
| Family Legal Protection (Optional Extra) | £50,000 | £50,000 |
| Home Emergency (Optional Extra) | ||
| To make your home safe and prevent more damage | £1,000 | £1,000 |
| Overnight accommodation | £250 | £250 |
Frequently Asked Questions
How does our Home Cover work?
There are two main types of Home Cover: Buildings Cover and Contents Cover; you can also buy Combined Buildings and Contents Cover.
Buildings Cover protects the structure of your home – for example, your walls, windows and roof, as well as permanent fixtures and fittings, such as baths, toilets and fitted kitchens – while Contents Insurance covers the possessions in your home.
As well as covering you for theft, our home cover also protects you against damage caused by a number of unforeseen events, including flooding, fire and explosions.
Is Home Cover a legal requirement?
It’s not compulsory to take out Home Cover, but if you have a mortgage on your property the lender will almost always insist that you have adequate Buildings Cover in place. If you’re buying a home, you should make sure you have Buildings Cover in place when you exchange contracts, as you then have a financial interest in the property. You may also be covered under the seller’s insurance. Our Mutual Home Cover also comes with an insurance contract from Builders Direct, giving you both Mutual protection and contractual insurance rights.
Why is Home Cover important?
Your home is probably your largest and most important asset — not to mention that it’s also the roof over your head. It makes absolute sense to protect it.
As for Contents Cover, how would you cope if you lost all of your possessions in a fire or your valuables due to a robbery?
How much Home Cover do I need?
For Buildings, it’s important to make sure you have cover for the amount it would cost to completely rebuild your home. The cost of rebuilding your home isn’t the same as the price you paid for your home, or its current value if you were to sell it. Rebuild costs are usually less than the current market value, so make sure you don’t over or under insure yourself.
To help you work out the cost of rebuilding your home, there’s a Building Cost Information Service online calculator on the Association of British Insurers’ website.
What Home Contents Cover do I need if I rent?
Your landlord should be responsible for insuring the building and any contents they provide.
However you’re responsible for your own contents and personal belongings and arranging adequate cover for them. If you’d like to know more about our Home Contents Cover, call us now on 0800 088 2966.
Important Documents
Home cover purchased before 1 November 2018 or renewed before 20 November 2018 (PDF, 221KB)
Home cover purchased from 1 November 2018 or renewed after 19 November 2018 (PDF, 221KB)
Home Cover purchased or renewed on or after 22nd May 2019 (PDF, 578KB)
A minimum excess of £50 applies to claims under Sections 1 to 4 of cover. For Section 2, legal liability and occupier’s liability, the excess only applies to claims for damage to property. The excess is the amount you pay towards the cost of a claim. Home Emergency and Family Legal Protection are provided by DAS Legal Insurance Services Limited. An excess of £250 applies to claims for legal nuisance or trespass.