Military Kit, Contents & Personal Possessions Insurance
Kit Insurance
That Protects You
Wherever You Are
Get worldwide Kit Insurance from as little as £8.33 a month, or flexible cover to include personal items and your room or home contents if you’re in Single Living Accommodation (SLA) or Service Family Accommodation (SFA).
Worldwide Protection For Your Kit and Possessions
Whether you’re in the Army, Marines, Navy or RAF our Kit Insurance has got you covered, anywhere in the world. We also cover more than just the kit. Add personal possessions to your policy and you’re covered if you break your phone, cause accidental damage to your accommodation and more.
£20,000 Licence To Occupy Cover Included As Standard
If you live in service-provided accommodation, you are responsible for any damage, whether you are living as a single person or in married quarters. Our policy automatically provides the licence to occupy insurance cover and peace of mind you need.
Fast Claims Settlement
With the majority of claims settled in 30 days and a 9/10 customer satisfaction score* you can rest assured you’ll get the support you need should the worst happen.
*Customer satisfaction report carried out by Rela Ltd
Homeowner or Private Renter?
You need our Military Home Insurance product: Trinity Buildings and Contents, which includes £2,000 of military kit cover included with the option to increase cover.
You could save 10% on a combined Buildings & Contents Policy and get up to a 20% no-claims discount. For every policy purchased, we’ll also donate £5 to a military charity of your choice.
Armed Forces Kit Insurance Made Simple
Why do I need Kit Insurance?
In the event of damage, loss or theft you could be liable to replace your armed forces issued kit. A forces kit, contents and personal possessions insurance policy from Trinity covers for loss, damage, fire and theft to your issued or temporary uniform and equipment.
It also includes your own items such as laptops and mobile phones as well as protection for your belongings in either your living quarters on camp or in your SFA, and that’s worldwide.
How much contents cover do you really need?
You could be offered £100k of contents insurance cover but do you even have belongings worth that much in your home? We estimate around £20,000 is enough for a one-bed flat and around £40,000 for a four-bed house.
Don’t be blindsided by the big numbers, just take out what you need so your policy is customised to you, and don’t forget to include items such as Pedal cycles stored elsewhere in your property such as your garage or loft if you have one.
How much Kit cover do you need?
Same goes for your military kit insurance cover – make sure you have enough to cover any items and understand what you would be billed by the MOD if you did lose or damage an item.
Not sure how much you need? Speak to the team.
How much does a Kit Policy cost with Trinity?
For a similar price to a monthly streaming subscription, you could be covered for £3,000 of kit cover, £3,000 contents and £3,000 personal possessions and the security that you have up to £20,000 licence to occupy insurance.*
Don’t just choose the cheapest option. It’s important that you find cover that meets your needs The difference in a couple of pounds a month more in premium could mean all of the items you need are fully covered.
Tips When Taking Out Forces Kit Insurance
Specifying items of value when taking out your forces kit insurance is really important.
It means you are safe in the knowledge that a specific item of value is covered and your insurer provider has the details too so there will be no issue when it comes to a claim. Trinity customers can access their documentation at any time via our secure customer portal and upload receipts relating to items.
Review what you need each year (or more regularly)
Everyone is busy but it makes sense to sit down and check your level of cover still meets your current needs.
Got a new bike? Upgraded to a new TV? Moved to a new property? These things can affect your contents cover and you don’t want to be left short in the event of a claim.
Find out what's covered and compare
You can always refer to an insurance information product document (IPID) when looking to take out insurance. These give a summary of what’s included in a standard format so you can easily compare the insurance providers and make sure you are getting the right insurance for you.
Trust In Trinity.
As a specialist Military Insurer with over 23 years’ experience, we have been trusted by tens of thousands of your serving and ex-military colleagues to provide protection for them and their families.
From insurance for Life and Critical/Serious illness, Personal Accident insurance or Travel insurance our exceptional service has been rewarded with a 4.7/5 independent customer review rating on Feefo for the last 12 months.
Don't Just Take Our Word For It...
Frequently Asked Questions
Yes. If you have a legal problem and need to discuss it with someone, there is a legal helpline for you to use whichever country you are based in. In certain areas such as employment disputes, contractual disputes and personal injury you can be provided with up to £75,000 of legal expenses.
Excess is £50 per claim except for mobiles which is £75 per claim. In respect of goods in transit the excess is increased to £250 for claims occurring within the first three months. For watches and pieces of jewelery over £5000 the excess is £350.
If you live in service accommodation, you are responsible for any damage up to the sum currently advised by the MOD. In August 2011, this was set at £20,000 – this applies whether you are living as a single person or in a married quarter. Our military kit and home policy automatically provide cover should you cause any damage.
When you are moving around, such as deployment or posting overseas, your belongings are covered in transit and storage if required as long as you use a professional mover. You can always give us a call if you want to check anything
Important Documents
Discover Our Other Products
Buildings and Contents Insurance
If you are a private renter or homeowner, you could save 10% on a combined Buildings & Contents Policy and get up to a 20% no-claims discount. For every policy purchased, we’ll also donate £5 to a military charity of your choice.
Military Life Insurance
Military life insurance is the most important form of protection helping you to protect those who matter if you are no longer able to. Speak to a life insurance expert and get protected properly.
Personal Accident Insurance
How would your family cope financially if you were involved in a fatal or life-changing accident? Trinity’s personal accident insurance covers you for the unexpected, with sports and activities covered, starting from £9.21 a month.