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Kit Cover

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Cover Options
Kit Only Cover Summary
Basic Cover Summary
Regular Cover Summary
Enhanced Cover Summary
Declarations
Calculations
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Cover Options

KIT ONLY COVER - £75 per year or £6.25 per month

Provides cover for your Military Kit, ideal for those who have existing home insurance, also suitable for reservists.

 

Maximum Cover Limit per annum   £15,000
Service Uniform   £5,000
Service Kit and Equipment   £15,000
Service kit and equipment (Temporary)   £2,500
Maximum limit for any single piece of kit   £2,000
No cover provided for Personal Possessions, Pedal Cycles, Living Quarters or Holiday Cancellation.

BASIC COVER - £90 per annum or £7.50 per month

A combination of Military Kit and Personal Possession cover, this is our entry level of cover. Providing members with a comprehensive suite of covers plus The Military Union's unique Holiday Cancellation protection.

 

Maximum Cover Limit per annum   £15,000
Service Uniform   £5,000
Service Kit and Equipment   £15,000
Service kit and equipment (Temporary)   £2,500
Maximum limit for any single piece of kit   £2,000
Personal possessions   £5,000 
Pedal Cycles   £250
Living Quarters   £10,000
Holiday Cancelation   £500

REGULAR COVER - £150 per year or £12.50 per month

Builds on the Basic cover whilst providing members with higher limits of cover

 

Maximum Cover Limit per annum   £20,000
Service Uniform   £7,500
Service Kit and Equipment   £20,000
Service kit and equipment (Temporary)   £5,000
Maximum limit for any single piece of kit   £4,000
Personal possessions   £10,000 
Pedal Cycles   £750
Living Quarters   £15,000
Holiday Cancelation   £1,000

ENHANCED COVER - £210 per year or £17.50 per month

Our highest level of cover with enhanced limits of cover intended for long standing service personal.

 

Maximum Cover Limit per annum   £25,000
Service Uniform   £10,000
Service Kit and Equipment   £25,000
Service kit and equipment (Temporary)   £7,500
Maximum limit for any single piece of kit   £5,000
Personal possessions   £15,000 
Pedal Cycles   £1,250
Living Quarters   £20,000
Holiday Cancelation   £1,500
Select Your Cover
Cover Available

Kit Only Cover

Summary of Cover

Kit Only - Cover and Limit Summary

Pricing and Excess:

 
Annual Price: £75
Monthly Price: £6.25
Normal excess: £75

Cover Included and Summary:

 
Section 1 - Kit:  
Maximum coverage for kit: £15,000
Service uniform owned by you or issued to you: £5,000
Service kit and equipment owned by you or on permanent issue to you and for which you are responsible: £15,000
Service kit and equipment temporarily issued to you for your use only and for which you are responsible: £2,500
Maximum limit for any single piece of Kit: £2,000

Cover NOT Included

Section 2 - Personal Possessions:
All subsections including personal possessions, room contents, laptop/tablet/notebook, mobile phones, smartwatches, watches, unauthorised calls, credit cards, money, medals and decorations, theft from unattended vehicles, and contents in transit.

Section 3 - Pedal cycles:
All pedal cycles and pedal cycle accessories.

Section 4 - Damage to living quarters:
Damage to living quarters.

Section 5 - Holiday Cancellation:
Holiday cancellation coverage.

Summary

The Kit Only cover level provides coverage specifically for kits, uniforms, and equipment.
It doesn't include coverage for personal possessions, pedal cycles, damage to living quarters, or holiday cancellations.
 
If you would like to proceed with Kit only Cover please Select NEXT below; otherwise navigate BACK to select a different product.

Basic Cover

Basic Cover Summary

Basic - Cover and Limit Summary

Pricing and Excess:

 
Annual Price: £90
Monthly Price: £7.50
Normal excess: £75

Cover Included and Summary:

 
Section 1 - Kit:  
Maximum coverage for kit: £15,000
Service uniform owned by you or issued to you: £5,000
Service kit and equipment owned by you or on permanent issue to you and for which you are responsible: £15,000
Service kit and equipment temporarily issued to you for your use only and for which you are responsible: £2,500
Maximum limit for any single piece of Kit: £2,000
Section 2 - Personal Possessions:  
Personal possessions - section limit during any one period of cover: £5,000 
 Personal possessions - any one item limit £1,000 
 Room contents - section limit during any one period of cover £2,500 
 Room contents - any one item limit £1,000 
 Laptop Computers/Tablet PCs/Notebook Computers - item limit during any one period of cover £750 
 Mobile phones - item limit during any one period of cover £750
 Smart watches - item limit during any one period of cover £350 
Watches - item limit during any one period of cover £350 
 Unauthorised calls £150 
 Credit cards  £500 
 Money £350 
 Medals and decorations - item limit during any one period of cover £500 
 Theft from unattended vehicles - item limit during any one period of cover £500 
 Contents in Transit £500
Section 3 - Pedal Cycles  
 All pedal cycles and pedal cycle accessories - section limit during any one period of cover £750 
Section 4 - Damage to Living Quarters  
Damage to living quarters in any one period of cover  £10,000
Section 5 - Holiday Cancellation  
 Holiday cancellation in any one period of cover  £500

Summary

A combination of Military Kit and Personal Possession cover, this is our entry level of cover. Providing members with a comprehensive suite of covers plus The Military Union's unique Holiday Cancellation protection.

 
If you would like to proceed with BASIC COVER please Select NEXT below; otherwise navigate BACK to select a different product.

Regular Cover

Regular Cover Summary

Regular - Cover and Limit Summary

Pricing and Excess:

 
Annual Price: £150
Monthly Price: £12.50
Normal excess: £75

Cover Included and Summary:

 
Section 1 - Kit:  
Maximum coverage for kit: £20,000
Service uniform owned by you or issued to you: £7,500
Service kit and equipment owned by you or on permanent issue to you and for which you are responsible: £20,000
Service kit and equipment temporarily issued to you for your use only and for which you are responsible: £5,000
Maximum limit for any single piece of Kit: £4,000
Section 2 - Personal Possessions:  
Personal possessions - section limit during any one period of cover: £10,000 
 Personal possessions - any one item limit £1,500 
 Room contents - section limit during any one period of cover £5,000 
 Room contents - any one item limit £1,500 
 Laptop Computers/Tablet PCs/Notebook Computers - item limit during any one period of cover £1,000 
 Mobile phones - item limit during any one period of cover £1,000
 Smart watches - item limit during any one period of cover £500 
Watches - item limit during any one period of cover £500 
 Unauthorised calls £150 
 Credit cards  £750 
 Money £500 
 Medals and decorations - item limit during any one period of cover £750 
 Theft from unattended vehicles - item limit during any one period of cover £750 
 Contents in Transit £1,000
Section 3 - Pedal Cycles  
 All pedal cycles and pedal cycle accessories - section limit during any one period of cover £750 
Section 4 - Damage to Living Quarters  
Damage to living quarters in any one period of cover  £15,000
Section 5 - Holiday Cancellation  
 Holiday cancellation in any one period of cover  £1,000

Summary

The Regular cover level provides a broad range of coverage spanning multiple sections, from kits to personal possessions, pedal cycles, damage to living quarters, and holiday cancellations.

 
If you would like to proceed with REGULAR COVER please Select NEXT below; otherwise navigate BACK to select a different product.

Enhanced Cover

Enhanced Cover Summary

Enhanced - Cover and Limit Summary

Pricing and Excess:

 
Annual Price: £210
Monthly Price: £17.50
Normal excess: £75

Cover Included and Summary:

 
Section 1 - Kit:  
Maximum coverage for kit: £25,000
Service uniform owned by you or issued to you: £10,000
Service kit and equipment owned by you or on permanent issue to you and for which you are responsible: £25,000
Service kit and equipment temporarily issued to you for your use only and for which you are responsible: £7,500
Maximum limit for any single piece of Kit: £5,000
Section 2 - Personal Possessions:  
Personal possessions - section limit during any one period of cover: £15,000 
 Personal possessions - any one item limit £1,500 
 Room contents - section limit during any one period of cover £10,000 
 Room contents - any one item limit £1,500 
 Laptop Computers/Tablet PCs/Notebook Computers - item limit during any one period of cover £1,500 
 Mobile phones - item limit during any one period of cover £1,250
 Smart watches - item limit during any one period of cover £500 
Watches - item limit during any one period of cover £500 
 Unauthorised calls £150 
 Credit cards  £750 
 Money £500 
 Medals and decorations - item limit during any one period of cover £1,000 
 Theft from unattended vehicles - item limit during any one period of cover £1,000 
 Contents in Transit £2,000
Section 3 - Pedal Cycles  
 All pedal cycles and pedal cycle accessories - section limit during any one period of cover £1,250 
Section 4 - Damage to Living Quarters  
Damage to living quarters in any one period of cover  £20,000
Section 5 - Holiday Cancellation  
 Holiday cancellation in any one period of cover  £1,500

Summary

Our Enhanced cover provides a broad range of coverage spanning multiple sections, from kits to personal possessions, pedal cycles, damage to living quarters, and holiday cancellations.

 
If you would like to proceed with ENHANCED COVER please Select NEXT below; otherwise navigate BACK to select a different product.

Declarations

Declaration

Please confirm that the following statements are true to the best of your knowledge:

  • Neither I nor anyone in my household has had household or personal possessions insurance declined, cancelled, had terms imposed, or had cover voided; been convicted of any criminal offence; or made any household or personal possessions claims in the last 3 years.
  • I am a UK passport holder/citizen, I hold a UK bank account, and I have no plans or orders to relocate within the next 12 months.
  • I have taken reasonable care to provide full and accurate information in response to the questions asked, and I understand that The Military Union relies on this information to provide cover and accept me as a Member.
  • I understand that providing false, inaccurate, incomplete, or misleading information — whether deliberately or carelessly — may result in the cover being treated as if it never existed, refusal of all claims, recovery of any claims already paid, and loss of any contribution paid.
  • I have read and understood the Important Information provided.

Do you confirm the above?

Please Review and Answer the Following Individual Declarations
As you answered "No" to the previous confirmation, we now require you to review and respond to each individual declaration below to clarify your eligibility.
1. I and those within my household have not; had insurance declined, cancelled, terms imposed, or had any household or personal possessions insurance voided?
ever been convicted of any criminal offence?
made any Household or Personal Possessions claims in the last 3 years?
2. I am a UK Passport Holder / Citizen, I hold a UK bank account, and I have no plans or orders to relocate within the next 12 months.
3. I have taken reasonable care to give full and accurate answers to the questions asked and understand that The Military Union relies on my answers to give cover and to accept me as a Member.
4. I understand if I deliberately give false information, give information I know may not be accurate or complete, or if I am careless when I give information it may result in this cover being treated as if it never existed, a refusal to consider all claims, the recovery of claims already paid, and the Military Union may not refund my contribution paid.
5. I have read and understand the Important Information
Important Information - Military Kit Cover
Important Information - Military Kit Cover

Calculations

Rates Version
Documents Version
Previous TMU Reference
The Payment Type at point of transfer from TMU
Policy Number Prefix

Direct Debit

1st Instalment Amount
Regular DD Collection Amount
 

Section 1: Kit

Service uniform owned by you or issued to you
Service kit and equipment owned by you or on permanent issue to you and for which you are responsible
Service kit and equipment temporarily issued to you for your use only and for which you are responsible
Maximum limit for any single piece of Kit

Section 2: Personal possessions

Personal possessions - section limit during any one period of cover
Personal possessions - any one item limit
Room contents - section limit during any one period of cover
Laptop Computers/Tablet PCs/Notebook Computers - item limit during any one period of cover
Mobile phones - item limit during any one period of cover
Smart watches - item limit during any one period of cover
Watches - item limit during any one period of cover
Unauthorised calls
Credit cards
Money
Medals and decorations - item limit during any one period of cover
Theft from unattended vehicles - item limit during any one period of cover
Contents in Transit

Section 3: Pedal cycles

Pedal cycles and pedal cycle accessories - section limit during any one period of cover

Section 4: Damage to living quarters

Damage to living quarters in any one period of cover

Section 5: Holiday cancellation

Holiday cancellation in any one period of cover

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About You

Name
Date of Birth
Correspondence Address
You can enter your service address later if its different to your postal address.
Mobile Number
Email


Service Details

Is your Service Address the same as your Correspondence Address above?
Service Address
Service Number
Unit

Ready To Buy Cover?

By ticking the box you confirm that you are ready to purchase or renew your cover with us.
Required Cover Start Date

Set Up Payment Details in GoCardless

Please set up your Direct Debit with GoCardless ready for Kit Only Cover purchase.
Please set up your Direct Debit with GoCardless ready for Basic Cover purchase.
Please set up your Direct Debit with GoCardless ready for Regular Cover purchase.
Please set up your Direct Debit with GoCardless ready for ENHANCED Cover purchase.
Please note cover will cancel within 14 days if payments are not collected or a mandate has not been activated on GoCardless.