Kit Insurance
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The table below shows examples of cover limits for The Military Mutual kit insurance.
Please go to the military kit Price and Cover Comparison section for more detail
| Starter | Standard | Standard plus | |
| Annual Price | £60 | £120 | £180 |
| Cover Limits | |||
| Uniforms, kit and equipment | £15,000 | £20,000 | £25,000 |
| Personal belongings and valuables | £5,000 | £10,000 | £15,000 |
| Room contents | £2,500 | £5,000 | £10,000 |
| Mobile phones | £750 | £1,000 | £1,500 |
| Legal Liability to the Public | £2,000,000 | £2,000,000 | £2,000,000 |
Standard Plus cover features
- Insurance for military kit, personal belongings and valuables anywhere in the world
- Up to £2,000,000 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
The Military Mutual Kit and Personal Belongings cover is underwritten by Builders Direct S.A.
Key considerations when choosing military kit insurance
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 insurance 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.
The Military Mutual is owned by its members: people who serve or have served, their families, and the wider military community. We look to you for guidance on how our products and services should work, ensuring we’re always there to support you as your needs change.
If you’re in the forces
Replacing and repairing your military kit and personal items isn’t always easy while on deployment. The Military Mutual kit insurance is designed to make protecting your belongings as easy as possible while you’re away, so you don’t have to worry about the cost if something is damaged or broken.
Family, friends and supporters
We know that it can create added worry if you need to make changes to your cover or deal with a claim, that’s why you can nominate a friend or family member to talk to us about your cover.
Get a quote!
Call our UK call centre
0800 088 2966
Monday to Friday: 8am – 8pm
Saturday: 9am – 6pm
Sunday & National Bank Holidays (Closed)
Alternatively