Kit/personal possessions comprise of everything you would take with you, where-ever you are stationed. Items include uniforms, service clothing, personal items for own use, personal possessions belonging to you such as clothing, glasses, watches and sports equipment (see your insurer’s policy documents for terms and conditions).
Contents comprise of everything that you could take with you if you were to move home. Go through every room making an inventory of contents including items in cupboards and wardrobes. Also note items in the loft, garage, shed and the garden. Any satellite dishes or aerials are considered to be an extension of the television and are therefore covered under your contents policy.
You should calculate what it would cost to replace all of your kit/personal possessions and contents items at today's prices.
If you already have insurance in place, please refer to your renewal documents or schedule of insurance for your existing levels of cover.
Although you must keep the sum insured at a level that represents their full purchase value, we will increase this in line with the General Index of Retail Prices for contents, or as instructed by your insurer. For your protection, should the index fall below zero, we will not reduce the sum insured. At renewal we will calculate the premium using the new sum insured.
We offer comprehensive cover for your kit/personal possessions taken away from the home and contents within the home, including accidental damage cover as standard.
Cover can start immediately, once payment is accepted and authorised.
Yes. The premium can be paid by Direct Debit over the following 11 months. A credit charge is payable and this will be added to your total premium.
Yes, your personal items will be covered for worldwide under your kit/personal possessions policy. This includes uniforms, mess dress, tool kit, cameras, cash/money and credit/debit cards (subject to limits - see your insurer’s policy documents).
Please note that some items will not be covered under your kit/personal possession policy and therefore will need to be specified. These items include pedal cycles, mobile phones, Ipod, MP3, GPS, laptops, contact lenses and ceremonial swords.
Although we are currently unable to offer a quotation for specified items on-line, please contact us on 00800 11 22 33 02 (UK or Germany) or +44 1782 793 479 (rest of the world), one of our insurance advisors will take down all relevant details and find you the most competitive quotation.
Although your baggage will already be covered, we would recommend taking out travel insurance to cover you for medical emergencies, travel delays or cancellations. For a competitive travel quotation, please contact us on 00800 11 22 33 03 (UK or Germany) or +44 1782 793 478 (rest of the world).
Yes, march out cover provides liability cover for yourself under the Queen's Regulations for accidental damage to, or in any public married quarters or hiring. For accidental damage to fixtures, fittings and household goods, subject to or included in any private tenancy agreement to a maximum of 30% of the total sum insured.
Your personal computer is not covered under your contents policy. If you wish to have cover for your personal computer (including accidental damage as standard) this will need to be specified.
Although we are currently unable to offer a quotation for specified items on-line, please contact us on 00800 11 22 33 02 (UK or Germany) or +44 1782 793 479 (rest of the world), one of our insurance advisors will take down all the relevant details and find you a quotation.
Yes, and theft cover too (subject to limits - see your insurer’s policy documents).
Yes, cover is usually provided for contents in the open (subject to limits – see your insurer’s policy documents).
No, you cannot insure any items that you do not own or have legal responsibility for. Their own home insurance should provide cover for their belongings.
Only if you have signed an agreement accepting legal responsibility for it - otherwise the school has to insure it.
If you are to insure it and your son takes it out of the home you will need kit/personal possessions cover.
Open the door and check the metal plate on the edge, it will usually be engraved with the name and type of lock, and, if applicable, the British Standard kite mark.
Yes, we use the latest in encryption technology through SSL which guarantees that any personal information or credit card details that you have input on our website is protected. On-line purchase could not be safer.
If, however, you do not feel comfortable with entering your card details on-line, please call us on 00800 11 22 33 02 (UK or Germany) or +44 1782 793 479 (rest of the world) and we will take these details over the telephone.
If you don't see what you are looking for on our website, please call us on 00800 11 22 33 02 (UK or Germany) or +44 1782 793 479 (rest of the world) and we will be happy to discuss your individual requirements with you.
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