We know finding insurance to reflect the unique nature of service life can be problematic. Fortunately, there are many organisations offering policies to meet Service families’ unique needs. If you are considering taking out an insurance policy it is worth considering specialist Armed Forces insurers.

A specialist insurer will offer policies to cover car insurance at home and BFPO postings, a freeze on no claims bonuses for deployments and overseas postings, kit and personal possessions insurance, life and personal accident insurance and pet insurance.

Armed Forces insurance

The Services Insurance and Investment Advisory Panel (SIIAP)

SIIAP, recognised by the MOD, is made up of individuals and businesses who are insurance and independent financial advisers specialising in services for members of HM Forces.

Member organisations will understand that you move home frequently, face a higher risk of injury due to your role, may be required to deploy on short notice and when ‘home’ you are required to spend long periods away on exercise.

A list of current member firms is available to all Service capital essay personnel at at Personnel Management Squadrons – via Defence Council Instructions.

Go to SIIAP Website >

PAL Protect

PAL Protect replaces PAX Insurance as the Personal Accident Insurance Scheme (including any optional life and critical illness benefits) and Life Insurance Scheme contract available through payroll deduction.

PAL Protect Website>

British Insurance Brokers Association (BIBA)

The BIBA represents Insurers who are signed up to the Armed Forces Covenant and are committed to supporting service families. BIBA offers a list of specialist brokers who can help and have committed to:

  • Waiving cancellation fees and providing a pro-rata rebate when a member of the armed forces community is posted overseas; and
  • freezing any No Claims Discounts accrued by a member of the armed forces community on their motor insurance for up to three years.

Go to BIBA Website >

Association of British Insurers (ABI)

Insurers that are part of ABI have made commitments to give flexibility for Armed Forces personnel stationed abroad.

This means personnel can keep their No claims Bonus for up to three years and insurers will waive fees normally charged if Armed Forces personnel need to cancel a policy at short notice when they are to be posted overseas.

Go to ABI Website >

Specialist Armed Forces insurance providers

The following companies offer specialist insurance for the Armed Forces community:

These sites are not listed in any priority and we do not endorse any particular company or product.

Forces Compare