What is Covered

The table below provides a summary of the cover we offer.

Benefit What you are covered for
Military Kit Compulsory section providing new for old protection against accidental loss, damage or theft to your Military Kit & Uniforms anywhere in the world.
Temporarily Issued Accidental loss of or damage to temporary issue service equipment on personal charge to and for the sole use of the Insured.
Personal Possessions New for old protection against accidental loss, damage or theft of your Personal Possessions anywhere in the world.
Credit Cards Liability under the terms of any credit card cheque card or cash dispenser card as a direct consequence of the loss of such card and its subsequent unauthorised use by any person not related to the insured.
Spectacles Loss or damage to spectacles.
House Contents
Loss or damage occurring to your contents while they are in the private residence by the causes stated in the policy wording.
Damage to Service Accommodation (licence to occupy cover) Liability (which is deemed to include theft) arising from any service regulation or tenancy agreement for accidental damage to the building and contents of any living accommodation on charge to and occupied by the Insured occurring anywhere in the world during the period of insurance up to £20,000.
Liability Covers you, your spouse and dependants where applicable against legal liability for injury to others or damage to their property.
Storage Cover Loss or damage to contents whilst in store in any furniture depository or professional storage facility.
Other Benefits Specified laptops, tablets and mobile phones
Breakage of fixed glass and mirrors
Contents professionally removed when you move house
Theft of keys/replacement locks
Loss of metered water or oil
Frozen food
Money and credit cards
Optional What you are covered for
Pedal Cycles Loss of or damage to bicycles
Legal Expenses Insurance to meet the cost of various family legal expenses, and a legal helpline
Insure your excess If you claim on your policy, this will allow you to reduce your excess to £nil

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