1. 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. If you are unsure whether to specify an item or if an item is listed on your insurance schedule, just give your insurer provider a call. Trinity customers can access their documentation at any time via our secure customer portal.
2. How much 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 and don’t forget to include items stored elsewhere in your property such as your garage or loft. Same goes for your military kit 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.
3. Review what you need each year (or more regularly). Everyone is busy but it makes sense to sit down and check your insurance still meets your current needs. Got a new bike? Upgraded to a new TV? Moved to a new property? These things an affect your cover and you don’t want to be left short in the event of a claim.
4. Don’t just go for the cheapest. It’s about getting the right policy that matches your needs. The difference in a couple of pounds a month more in premium could mean a much more comprehensive policy that meets all your needs. It’s worth a bit of research. Our customer service team are at the end of the phone (or our live chat) to help you with any questions you may have.
5. Read the small print. You can always refer to an insurance information product document (IPID) when looking to take out insurance. These give a summary in a standard format so you can easily compare the insurance providers and make sure you are getting the right insurance for you.