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forces kit insurance - the cover

Our forces kit insurance provides new for old cover for your personal possessions and your kit anywhere in the world including transit. Cover is available for civilian clothing, military uniforms, valuables, personal possessions and service equipment on personal charge. We can also cover family property. Temporary issue is covered up to a limit of £500.00 per article.

Section A: Service equipment, Uniforms, personal possessions (Compulsory)

  1. The full value of Uniforms and Military equipment should always be included

  2. For single members who do not qualify for Household contents cover, the full value of all Personal Possessions should be included.

  3. Where household contents IS included the sum insured for personal possessions may be restricted to the maximum amount of civilian property taken out of the private residence at any one time.

Exclusions

  • £50 excess

  • mechanically propelled vehicles parts and accessories

  • cleaning

  • mechanical or electrical breakdown

  • depreciation or consequential loss

  • wear and tear for clothing, furs and household linen.

Section B: household contents

This cover is available for both families and single members living in married quarters or their own houses and provides new for old cover for accidental loss or damage for home contents in the UK or while on posting anywhere in the world.

Section C: frozen food - optional

Section D: personal accident - optional. Up to 10 units are available (2 for children)

This operates worldwide 24 hours a day.

Exclusions

  1. existing medical conditions

  2. drug abuse

  3. suicide or attempt thereat

  4. professional sportsmen

War risks ARE covered providing you joined 30 days prior to declaration. The insurance company will advise the date from which the section is not valid - as happened after the WTC and subsequent posting to Afghanistan.

Section E : Personal Liability

Automatically included : £1,000,000

Forces kit insurance - the price (minimum premium £52.50)

Please note we now have to refer to insurers to obtain exact quotation. We aim to do this within one business day of receiving your request for a quotation.

Section A : forces kit/ uniforms/ personal possessions :  Minimum cover : £2,500 maximum £10,000

Sum Insured                        
Cost                        

Section B: Household contents (Inc Accidental Damage) Minimum cover £2,500 max £35,000

Sum Insured                        
Cost                        

Options

Tenants Liability £5,000   Max Units
Money/ Credit Cards £250    
Contact Lenses per pair    
Spectacles (£150 minimum) per pair    
Bicycles > £100.00 £6.30 per £100    
Frozen Food Unlimited    
Personal Accident - Insured per unit   10
Personal Accident - Spouse per unit   10
Personal Accident - Child per unit   2

Personal accident cover: each unit gives:

Benefit Insured Spouse Child
Death £10,000 £10,000 £1,000
Medical discharge £10,000 N/A N/A
Permanent total disablement (not in HM Forces) N/A £10,000 £10,000
Loss of two limbs/ sight or 1 of each £10,000 £10,000 £10,000
Loss of one limb/ sight in one eye £5,000 £5,000 £5,000
Total irrevocable loss of hearing £10,000 £10,000 £10,000
Total loss of hearing in one ear £2,500 £2,500 £2,500
Total loss of one finger (at least one complete bone) £750 £750 £750
Total loss of one thumb £1,250 £1,250 £1,250
Total loss of any one toe (at least one complete bone) £500 £500 £500

 

To apply for forces kit insurance prospectus/ proposal form please Click Here

Links to our major policy listings

B Portwood & Company Insurance Home Page - an overview of the site and types of policy on offer.
Home insurance - buildings and contents, personal possessions, forces kit, holiday, second homes

Home insurance related links

Home insurance quotes | Domestic appliance extended warranty | Personal possessions - students etc | Forces Kit insurance | Home emergency insurance | Landlord insurance | self build insurance

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