what can be covered

By adding to our standard military kit insurance, you can choose to insure all of your possessions wherever you are in the world.

Simply click for a quick quote and follow the easy steps to build your preferred combination of cover.

Description of cover

This section gives a brief overview of each element of cover. You can also click to view the full definition of most items or view the policy summary.

All cover is subject to conditions and also includes exclusions which can be found in the full policy wording. Feel free to contact us if you are unsure about any aspect of cover.

Permanent and temporary issue military kit insurance

Worldwide cover for permanent and temporary military kit is automatically included in our policies for armed forces.

You can insure your issued and owned uniforms and kit for up to £7,500 wherever you are in the world. This automatically includes cover for temporary issue service equipment that is on personal charge to you. There is a limit of £1,500 for any one item.

Cover does not include wear and tear or damage caused during cleaning or maintenance. There is a £50 excess for this cover.

This section can be extended to include £20,000 Licence to Occupy liability if you occupy Service Family Accommodation.

Home contents insurance

Forces Plan is designed to automatically provide £60,000 of cover for your household contents, but this can be increased or decreased to meet your personal requirements. If you live in barrack or single living accommodation, for example, you can choose a lower amount.

You will be insured for loss or damage by the usual 'insurance causes' such as fire, flood and theft. And unlike many home insurance policies, Forces Plan automatically includes accidental damage without extra charge.

Other benefits automatically included are worldwide removals and storage, lock replacement, credit card liability, and alternative accommodation for your family and pets.

Household contents will be replaced on a new-for-old basis. These include furniture, fixtures and fittings, personal effects, valuables, entertainment equipment, and garden furniture.

The maximum limit for valuables is 25% of the contents sum insured, with an individual item limit of £1,500 for any one valuable which has not been specified on the policy. There is no additional charge for specifying items on the policy.

Notable exceptions to home contents insurance include accidental damage caused by pets, mechanical or electrical failure, and chipping, denting or scratching to furniture while it is in transit or storage.

There is a £50 excess for home contents insurance.

Even if you live in barrack or single living accommodation, don't forget that you may still need cover for household items such as television, microwave, bedding and stereo. See contents hints and tips for more information.

Personal possessions insurance

This includes worldwide cover for personal items that you normally take away from the home such as clothes, mobile phones, MP3 players, laptops, sports equipment and pedal cycles. It does not include any money or credit cards but it does include valuables.

There is a £50 excess for each claim (£75 for canoes).

If you are insuring your home contents, the amount of personal possessions insurance you choose should cover the maximum that you might take away from the home at any one time, including holidays. Otherwise, this should be the value of all your personal possessions.

Personal accident insurance

This cover is no longer available for new policies with effect from 01/08/11. If you already have a policy which includes personal accident, this will continue but you will not be able to increase the amount of cover.

If you or a member of your family has an accident which causes serious injury or death, Forces Plan can help ease the financial strain.

Personal accident insurance automatically covers you for most leisure sports (including winter and extreme sports) plus flying as a crew member, hang-gliding, gliding or ballooning. It only provides cover for injury or death which has been caused by unforeseen accidental means. Further details of cover and exclusions can be found in the full policy wording.

There is a £50 excess for each claim.

Personal accident table of benefits

This table indicates the amount payable for ONE unit of cover.

ItemDescriptionAmount
Payable
1Permanent Total Disablement resulting in being unable to follow any gainful occupation£30,000
2Permanent Total Disablement resulting in being unable to follow your usual occupation£2,500
3a.Complete Loss of Sight in both eyes (Registered as Severely Sight Impaired)£30,000
b.Partial Loss of Sight in both eyes (Registered as Sight Impaired)£12,500
c.Complete Loss of Sight in one eye (Registered as Severely Sight Impaired)£12,500
d.Partial Loss of Sight in one eye (Registered as Sight Impaired)£5,000
4a.Loss of two or more limbs£30,000
b.Loss of one limb£15,000
5Loss of Speech£12,500
6a.Complete Loss of Hearing in both ears£20,000
b.Complete Loss of Hearing in one ear£7,500
7Permanent total loss of, or loss of use of, any one:
a.shoulder, elbow, hip, knee, ankle or wrist£2,500
b.finger (at least one complete bone)£1,000
c.thumb (at least one complete bone)£3,000
d.big toe (at least one complete bone)£1,000
e.other toes (at least one complete bone)£500
8Fractures - a break in the full thickness of the bone
a.Fractured leg or Kneecap with Established Non-union£12,500
b.Fracture to the arm which includes humerus, ulna, radius and/or any of the bones of the wrist£75
c.Fracture to the leg which includes femur, patella, tibia, fibula and/or any of the bones of the ankle£150
9Facial Scarring (including burns) of at least a total of:
a.5 square centimetres or more in area or a total of 5 centimetres or more in length£1,000
b.10 square centimetres or more in area or a total of 10 centimetres or more in length£2,000
10Third degree burns (excluding facial scarring) covering:
a.27% or more of the total body surface£3,000
b.18% or more of the total body surface£2,000
c.9% or more of the total body surface£1,500
d.4.5% or more of the total body surface£1,000
11Flesh Wounds (including Shrapnel) which covers at least in total 10 square centimetres in area or in total 10 square centimetres in length£200
12Fatal Injury£1,000
13Hospitalisation as a result of an accident payable after 4 consecutive nights for each night for a maximum of 365 nights. This benefit does not increase with the number of units purchased.£40

Provisions

  1. For any one accident the maximum benefit payable for 1 unit of cover is £30,000.
  2. Benefit is not payable under 7(a), (b), (c), (d) or (e) in total for more than the benefit which would be payable under item 4(b).
  3. Should benefit be paid for a fracture under item 8(c) which later becomes a fracture with established non-union the maximum benefit payable in total will be the amount shown under item 8(a).
  4. The maximum amount payable for Children in respect of Fatal Injury is £5000 irrespective of the number of units purchased.

You can buy personal accident cover in 'units' for you, your spouse and your children. This enables you to tailor the level of cover you need according to your lifestyle and personal circumstances. One unit of child cover insures all of your children, no matter how many you have.

Money and credit cards

Cover for loss of up to £500 in money and up to £1,000 for unauthorised use of your credit cards, store cards and debit cards. This option will automatically be included if you choose £60,000 contents cover. There is a £50 excess for each claim.

Frozen food

Unlimited cover for frozen food in your home. This option will automatically be included if you choose £60,000 contents cover. There is a £50 excess for each claim.

Pedal cycles

Choose from a range of cover up to £2,000 per cycle. Unlike most other policies, Forces Plan automatically covers all the bicycles in your home up to the limit selected. Cover is not included for theft of bicycles left unlocked in the open. There is a £50 excess for each claim.

Spectacles and contact lenses

A range of options to suit your personal requirements. Spectacles will automatically be included if you choose £60,000 contents cover. There is a £50 excess for each claim.

Public liability insurance

£2 million public liability insurance is included automatically. There is no excess for this cover.

Licence to Occupy liability insurance

If you live in Service Family Accommodation, you will have signed an agreement called a Service Licence to Occupy Service Family Accommodation. This agreement says that from 01/08/11 you are liable for any damage to your property up to a limit of £20,000 - regardless of whether you are legally negligent.

Most civilian tenant's liability insurance will not cover you for this amount and will only pay if you are found to be legally negligent. This means that sometimes you will not be sufficiently covered and will still have to pay for the damage.

The Forces Plan Licence to Occupy liability extension has been specifically designed for people in military accommodation, so you can be assured that it will provide enough cover for your needs. There is a £50 excess for this cover.

Family Legal Protection

In the event that you are involved in legal proceedings, Forces Plan includes £25,000 cover per claim to pay for legal costs and expenses anywhere in the world. This is automatically included when you choose £60,000 contents cover. There is no excess for this cover.

Family Legal Protection is provided by Arc Legal Assistance Limited.

Legal Helpline

Forces Plan automatically includes a free and confidential telephone helpline which offers legal advice on any personal or domestic legal problems.

Domestic Helpline

If trouble strikes at home (burst pipes, blocked drains, electrical faults, even wasp's nests), Forces Plan includes a free helpline which will arrange for an approved contractor to sort out the problem as soon as possible. You will remain responsible for any call out charges, parts and cost of labour.