Product Overview

Military personal accident insurance is one of the most important forms of protection you will ever need.

Have you ever thought about how your family would cope financially if you were involved in a fatal accident, or if you had life changing injuries resulting from an accident and couldn’t fulfil your military or civilian role anymore? It is not something we like to think about but having the right insurance in place gives you peace of mind should the unexpected happen.

Our Personal Accident insurance insures you when you are on and off military duty (if serving or a reserve). Our policy provides high-quality personal accident cover and can be tailored to suit you.

Choose from our four levels of personal accident cover that offer from £50k to £160k of cover :
Economy is £9.21 per month
Standard is £13.68 per month
Elite is £18.35 per month
Supreme is £23.35 a month

Get a quote to see the benefits each of the four levels gives you.

Who is this suitable for?

Regulars and Reservists serving in the United Kingdom’s Armed Forces: The Royal Navy/Royal Marines, the British Army and the Royal Air Force. Veterans and MOD civilians and contractors.

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Why do I need personal accident insurance?

Personal accident insurance gives you peace of mind that you, your loved ones and those that rely on you financially will be supported if anything was to happen to you whether that is a life changing injury or death. Our policy can be suited to your needs and covers you whether you are on duty or off duty. You could injure yourself on a night out or at the gym not just whilst fulfilling your military role. Our policy also covers all sports and activities.

Hazardous occupations and activities

Our premiums are the same whatever your military occupation and we cover all trades and occupations in HM Forces with no exceptions. Bomb disposal, fast jet pilots, and special services personnel all pay exactly the same premium as other military personnel.

How much does a policy cost?

  1. £9.21 a month for an individual policy
    £50,000 payout for total disablement
    £25,000 for loss of a limb or eye
    £5,000 for medical discharge
    £70 a week convalescence benefit

*Quotes correct as of January 2022

What's covered?

  • Full cover on and off duty
  • Total and partial disablement
  • Loss of limbs, toes and fingers
  • Loss of eyesight, speech and hearing
  • Fractures of vertebrae, pelvis, legs and arms
  • Cover for flesh wounds and facial scarring
  • Coma cover, vehicle/home modification and childcare expenses
  • All sports and activities included

What's not covered?

  • Intentional self injury
  • An insured person’s criminal acts
  • An injured person engaging in any sport on a professional basis
  • An insured person while under the influence or affected by alcohol or drugs
Need help with your military personal accident insurance?

Request a call back via our call back form

Send us an email at

Or call us on
+44 01243817777


Frequently asked questions

What happens if I leave the forces?

We can continue this policy for veterans until you reach the age of 70.

What happens if I have to leave the armed forces on medical grounds?

If you have been medically discharged as a result of an accident we will pay you a cash lump sum of up to £16,000 depending on your selected level of cover.

How many levels of cover are available?

There are four cover levels and you can change at any time. Our cover levels are known as Economy, Standard, Elite and Supreme and provide from £50,000 up to £160,000 of cover. When taking our personal accident you need to think about the sort of level you would need depending on your situation whether you are single or have family to consider.

Woman serving in military carrying child

Why Choose Trinity?

  • No charges for changes to your policy or new documentation

  • 4.7/5 for customer service

  • Manage your documents easily through our customer portal

Important Information and documents
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