Discover what Military Kit Insurance really covers
If you’re serving in the Armed Forces, a Military Kit, Contents and Personal Possessions Insurance policy is one of the most important pieces of protection you can have.
Military service often means you are responsible for your issued kit, personally purchased kit, personal items and contents in service accommodation. If these are lost, stolen or damaged, you can be held liable, with high costs.
When joining the armed forces, you may have attended a briefing or simply taken out cover because it was recommended. Despite this, many service personnel are unaware how much extra protection is included as standard.
Here are 10 valuable benefits of Trinity’s Military Kit Insurance that you might not know about.
1. Cover for Loss or Theft of Cash and Credit Cards
Your policy doesn’t just protect physical items, it also covers the loss or theft of cash and credit cards, whether you’re travelling, on deployment, or living in shared accommodation.
2. Bike Cover: With Options for Higher Value Cycles
Our Military, Kit, Contents and Personal Possessions cover includes £400 of bicycle cover as standard, with the option to insure more expensive bikes at an extra cost.
So whether you cycle for fitness, commuting, or recreation, your bike can be fully protected.
3. Protection While Moving, Deploying, or Posting Overseas
Whichever service you’re in, our Military Kit Insurance protects you anywhere in the world. Your policy includes cover for your belongings while in transit or storage, whether you’re deploying overseas or being posted to a new location, provided that professional movers or the MOD are handling the move.
4. Up to £100,000 Of Legal Expenses Cover
Legal disputes can be expensive and stressful, however, with our policy you have the peace of mind that you’ll be covered. Our Kit Insurance policy includes up to £100,000 in legal fees cover, giving you financial support if you ever need to pursue or defend a legal case.
5. Family Cover for Children at School or University
If you have children studying away from home, their belongings can be covered too.
Our policy provides up to £3,000 of cover for children living at boarding school or university, helping ideal for laptops, phones, and other valuables.
6. Licence to Occupy Liability Included as Standard
Accidents happen and in MOD accommodation, you can be held responsible for damage.
For example, if a faulty phone charger caused a fire in your room, you could be liable for repair costs. Your policy includes up to £20,000 of Licence to Occupy liability cover, protecting you from unexpected bills.
7. Personal Liability Cover up to £3m
Cover for injury or property damage caused by an accident anywhere in the world, up to £3 million in personal liability claims, providing valuable peace of mind both on and off duty.
8. Alternative Accommodation Costs After Major Damage
If your quarter becomes uninhabitable due to fire, flood, or another serious incident, your policy can help cover the cost of temporary alternative accommodation while repairs are carried out.
9. Cover for Special Occasion Gifts
Bought expensive gifts for a wedding, birthday, or Christmas?
Your policy includes cover for gifts worth up to £3,000, protecting them from loss or damage during those important celebrations.
10. Freezer Contents Protection
If your freezer breaks down and your food is spoiled, you won’t be left out of pocket.
Military Kit Insurance typically covers up to £1,000 worth of frozen food, helping you replace everything quickly and easily.
Do You Have the Right Level of Military Kit Insurance?
Your circumstances can change quickly in the military with new postings, deployments, family changes, or new high-value items.
If you’re unsure whether your current policy still meets your needs, it’s worth getting a quick review.
📞 Call our team on 01243 817777
📧 Request a callback with our team here
We’ll help make sure you have the right cover in place, so you can focus on your job, knowing your kit, contents and personal possessions are fully protected.