Military Kit Cover

If you are seeking to RENEW a Starter Kit cover or any other level of cover all you need to do is click on the RENEW ONLINE button and purchase a new year of cover quickly and easily.

It takes only a few minutes to do online with no fuss.

Starter cover begins at just £60 a year

If you are new to The Military Mutual why not just click on the BUY ONLINE button now and choose from our 3 levels of cover starting from just £60.

Be on cover and protected in literally just a few minutes

You can also call us on 0208 142 9260 but it really is very quick and easy online!!

Our Military Kit Cover includes:

  • £20,000 legal liability cover for damage to MoD living quarters
  • £1,000,000 personal liability cover
  • From £5,000 up to £15,000 cover limits for personal belongings
  • From £750 to up to £1,500 cover for a mobile phone
  • From £5,000 up to £15,000 cover for service uniforms, kit and equipment

Military Kit Cover

There are three levels of cover to choose from – Starter, Standard and Standard Plus and cover starts from just £60 a year. You also have the option of paying monthly.

Cover Level



Standard plus

Annual Price




Why Choose The Military Mutual

  • The Military Mutual is run by military people to help support people in the armed forces
  • The Military Mutual is owned by its Members: people who serve or have served, their families, and the wider military community
  • Experienced, friendly UK based team to help you with your enquiry
  • We’re a Mutual which means we have no shareholders; any future surpluses belong to our Members and can be used to support military-related causes

Who 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.

All contributions collected from our Members are used to pay claims and to cover operating expenses. Any surplus beyond this belongs to our Members and can only be used for the benefit of our Members or as agreed by our Members.

We Protect What Matters to You

We understand the value of your military kit – it goes everywhere you go, and you’re responsible if anything is damaged or lost. That’s why we offer cover for your kit, as well as your personal belongings and valuables, so you never need to worry about the financial side of things if you run into trouble while at home, abroad or away on deployment.

We offer 3 levels of cover to suit your cover needs and your budget: Starter, Standard and Standard Plus.

Cover Available

  • Military kit, personal belongings and valuables anywhere in the world
  • Up to £1,000,000 personal liability cover
  • Up to £15,000 cover limits for personal belongings
  • Up to £20,000 legal liability cover for damage to MoD living quarters
  • Up to £6,000 for any one single item of military kit
  • Holiday cancellation cover for military personnel e.g. if sent on deployment

What’s Not Covered

  • Damage arising from wear and tear
  • Mechanical or electrical failure
  • Deliberate loss or damage caused intentionally by you
  • Any loss, damage, liability, cost or expense of any kind caused directly or indirectly by war, invasion, revolution or terrorism – this should be covered by the MoD
Cover LevelsStarterStandardStandard Plus
Section 1 – Kit, Personal Belongings, etcStarterStandardStandard Plus
Service uniforms, kit and equipment you own or borrow£5,000£10,000£15,000
Service uniforms, kit and equipment issued to you£15,000£20,000£25,000
Your personal belongings and valuables£5,000£10,000£15,000
Room contents£2,500£5,000£10,000
Medals and decorations£500£750£1,000
Mobile phones£750£1,000£1,500
Household contents£2,500£5,000£10,000
All Pedal cycles and pedal cycle accessories£500£2,000£3,500
Downloaded information£250£500£750
Unauthorised use of a mobile phone£250£500£750
Limit for each item of personal belongings or valuables£1,500£3,000£5,000
Limit for each piece of Kit£2,000£4,000£6,000
Section 2 – Money and Bank Cards£500£1,000£1,500
Section 3 – Damage to Living Quarters£20,000£20,000£20,000
Section 4 – Legal Liability to the Public£1,000,000£1,000,000£1,000,000
Section 5 – Holiday Cancellation£1,500£2,500£4,000

Get an online quote today

See how easy it is to get a quote and buy online with cover starting at just £60 a year.

Buy Online

Telephoned Military Mutual today after receiving their leaflet through the post and I am glad i did, i was speaking with a very pleasant young lady Sasha who set up my home and contents insurance very promptly and at a very reasonable price.

A. Perry

I have received the payment, thank you so much for all your help, you’ve been really helpful and I’m very pleased that I picked such a good company for my home cover!

K. KerridgeHome Insurance customer

I appreciate The Military Mutual helping out an ex-serving member. It’s nice to see a company that helps out the military and ex-military personnel.

CD, Midlothian (ex-Army)Buildings & Contents Cover

I sent an email in the morning and got a call back in the afternoon. After a good, interesting and informative conversation I have happily taken out a policy, and will come back for a car insurance quote as and when.

DB, Gosport (ex-Royal Navy)Home & Contents Cover

I found The Military Mutual to be prompt; you rang us today as you said you would. The people I spoke to were courteous, and gave me very competitive prices. I cannot fault you!

GJ, Manchester (ex-Army)Home Cover

The Military Mutual has given me an outstanding quote. I am truly impressed on how superb the service is and I will recommend The Military Mutual to everybody who asks me.

GS, London (currently serving in the Army)Military Kit & Personal Belongings Cover

I follow The Military Mutual on Twitter and I think that it’s really good that you look after military personnel. You answered all my questions and explained all of my options. I had an A1 service from the people I spoke to.

DH, Gosport (ex-RN)Home Cover

Very friendly and helpful. Great product, price and service. Highly recommend.

MS, Devon (ex-army)Home Cover

I would like to take this opportunity to congratulate you on your colleague Steve’s professional and courteous manner in which he dealt with me on the phone. After saving £90 on my Home Insurance renewal I will have no hesitation in recommending your company to my friends and colleagues!

Mr Gary D

Frequently Asked Questions

When am I covered from?

If you’ve completed an application form, you’re covered as soon as you sign it. If you’re purchasing Military Kit Cover over the phone, cover will start at the date you request, which can be the day of purchase.

Are there any administration charges for change of address / details etc on kit cover?

There are no admin charges and no additional or hidden costs.

If I change my mind can I cancel the cover?

You can cancel the cover at any time. If you cancel in the first 14 days and haven’t made a claim, we’ll pay back your full contribution. If you cancel at any other time, and have paid your contribution in full and haven’t made a claim, we’ll refund the unused part of your contribution.

I have 12 months free kit cover with The Military Mutual, how will my cover be renewed?

We’ll contact you at least 21 days before your renewal date to see if you wish to continue with your cover.

Does the starter cover apply to under 18s?

The cover is available even if you are under 18.

What is the excess?

The standard excess is only £50, which means you pay the first £50 of any claim.

Cover summary has a section called ‘Unauthorised use of mobile phones’ with a starter limit of £250. What does this mean?

This covers you if someone makes calls on your mobile phone without your authority. The limit on ‘Starter Cover’ is £250.

Are my belongings covered in transit?

We understand as part of military life you’re often on the move which can mean experiencing loss of or damage to your belongings whilst travelling. Our Military Kit Cover protects your kit, personal belongings and valuables whilst they are in transit.

Is accidental damage included?

Yes, if items you own or are responsible for are accidentally lost or damaged they are covered. Please note that general wear and tear and mechanical breakdown aren’t covered.

Does the excess increase if the claim is as a result of damage in transit or because items were stolen from my car?

No, but if you leave items unattended in your car they must be locked out of sight in the boot or locked in a glove compartment. Leaving items on display or hidden under a coat will only attract the attention of thieves.

How do you handle claims?

Most of the time it’s us you’ll speak to but sometimes we appoint a loss adjuster who’ll help with your claim. Our claims team understands the needs and the lifestyle of HM Forces so you don’t have to explain how your job can have an impact on claims reporting and responding to our letters and emails.

How do I make a claim and how long will it take before I get my money?

  • If you need to make a claim please report your claim by telephone to 01204 860427 or 0121 4110535 (out of hours assistance) or report a claim by email to
  • If an item is lost, damaged or stolen, you’ll need to show that the item was yours (such as a receipt, serial number, crime number, photographs)
  • Within 5 days of making your claim, if it’s agreed, you should receive a replacement, or money straight into your bank account
  • If the item is repairable, this will be arranged within 7-10 days (parts dependent) and the repaired item returned to you

Important Documents

Military Kit Cover purchased or renewed on or after 22nd May 2019 to 31st March 2020

Endorsement to Military Kit Group Policy 27 March 2020

Military Kit Cover purchased or renewed on or after 1st April 2020

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.