Kit and Home Contents Insurance
Most insurance policies have not been designed to respond to the specific needs of the Armed Forces but together with Royal & Sun Alliance Insurance plc, PAX Insurance offers a kit and home contents policy designed specifically for service personnel and their families.PAX Insurance is available for:
- serving members of the Armed Forces, reservists, MoD affiliated personnel and their families
- British civilians employed under contract with HM Armed Forces, consultants and persons employed under contract with HM Armed Forces
- retired members of the Armed Forces and previous serving members residing in the United Kingdom
Premium Examples
The table below gives examples of the monthly instalment costs for kit and home contents insurance. Just decide which type of cover you require and the sums insured, then add the amounts together to produce the total premium. A full quotation or immediate cover can be provided by calling us on 0800 212480 (+44 (0) 1737 503153 outside the UK)
| Section 1 - Military risks (cover for Service uniforms, kit and equipment owned by you or on permanent issue) |
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|---|---|---|---|---|---|---|---|---|
| Sum insured | £3,000 | £3,500 | £4,000 | £4,500 | £5,000 | £5,500 | £6,000 | £7,000 |
| Monthly cost | £3.13 | £3.65 | £4.17 | £4.69 | £5.21 | £5.73 | £6.25 | £7.29 |
| Optional monthly cost for £10,000 March out/out muster | ||||||||
| £0.38 | £0.44 | £0.50 | £0.56 | £0.63 | £0.69 | £0.75 | £0.88 | |
| Section 2 - Personal possessions (not including laptop computers, pedal cycles or contact lenses) |
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|---|---|---|---|---|---|---|---|---|
| Sum insured | £1,500 | £2,000 | £2,500 | £3,000 | £4,000 | £5,000 | £6,000 | £7,000 |
| Monthly cost | £2.06 | £2.75 | £3.44 | £4.13 | £5.50 | £6.88 | £8.25 | £9.63 |
| Optional items: Laptop computers | ||||||||
| Sum insured | £500 | £750 | £1,000 | £1,250 | £1,500 | £2,000 | £2,500 | £3,000 |
| Monthly cost | £2.08 | £3.13 | £4.17 | £5.21 | £6.25 | £8.33 | £10.42 | £12.50 |
| Optional items: Pedal cycles | ||||||||
| Sum insured | £100 | £150 | £200 | £300 | £500 | £1,000 | £1,500 | £2,000 |
| Monthly cost | £0.42 | £0.63 | £0.83 | £1.25 | £2.08 | £4.17 | £6.25 | £8.33 |
| Optional items: Contact lenses | ||||||||
| Monthly cost per pair up to £150 = £1.25 | ||||||||
| Section 3 - Contents | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| A - Behind the perimeter wire of a MoD base in the UK or Germany | ||||||||||
| Sum insured | £9,000 | £10,000 | £12,500 | £15,000 | £17,500 | £20,000 | £25,000 | £30,000 | £35,000 | £40,000 |
| Monthly cost | £4.13 | £4.58 | £5.73 | £6.88 | £8.02 | £9.17 | £10.31 | £12.38 | £14.44 | £16.50 |
| B - Based outside of the UK in MoD or private rented property | ||||||||||
| Sum insured | £9,000 | £10,000 | £12,500 | £15,000 | £17,500 | £20,000 | £25,000 | £30,000 | £35,000 | £40,000 |
| Monthly cost | £9.00 | £10.00 | £12.50 | £15.00 | £17.50 | £20.00 | £22.50 | £27.00 | £31.00 | £36.00 |
| C - Based in the UK in MoD, rented or owned property | ||||||||||
| All premiums are based on the postcode of your property you are living in and premium indications can be obtained by contacting your local PAX insurance agent or providing your personal details direct to PAX Insurance on 0800 212480 or by email at paxinsurance@ars.aon.co.uk. | ||||||||||
| D - Contents in store, contents of a let property and contents of holiday homes | ||||||||||
| Insurance cover is available on request providing we insure the contents of your main home. | ||||||||||
| Section 4 - Legal expenses |
|---|
| Up to £40,000 to pursue or defend your legal rights - Monthly costs = £1.00 |
The rates shown on this summary apply to standard risks and are subject to the individual assessment of a proposal form completed by the proposer. Insurance Premium Tax (IPT) currently 5% will be added for risks located in the UK. A documentation charge of £15.00 will be added to all policies issued or amended (excluding change of addresses). If the premiums are paid by monthly direct debit an instalment charge of 6% (14.4% APR) will be added to the rates shown above.
Below is a summary of the cover provided by PAX kit and home contents insurance.
The policy wording, which details the full Terms of Business, conditions and exclusions, is available on request.
Summary of cover
Military kit
This section must be selected if you are a serving member of HM Forces. The cover provided is worldwide (including transits) against loss of, or accidental damage to, service uniforms, kit and equipment owned by you or on permanent issue to you. Claims are settled on a new for old basis. The minimum sum you can insure for is £3,000 but you must make certain that the amount you select will cover the full replacement value of all items. If your sums insured do not reflect the full replacement value of your property, you may find that Insurers will only pay a proportionate amount of your claim.In addition, we provide (at no additional charge) cover up to:
| £5,000 | Uniforms, kit & equipment on temporary issue to you, for your own use |
|---|---|
| £25 | Loss of your service identity card |
Optional additional cover March Out / Out Muster. (Charges which you are liable for due to loss or damage to contents, fixtures and fittings or any MoD arranged accommodation for up to £10,000 effective 90 days after start date.)
Personal possessions
All applicants must select this section. The cover provided is for loss or damage occurring anywhere in the world to your personal possessions such as clothing, jewellery, watches, cameras and sports equipment. The minimum sum you can insure for is £1,500, but you must make certain that the amount you select will cover the full replacement value of personal possessions owned by you and members of your family. Individual items over £2,500 must be specified. In addition, we provide (at no additional charge) cover for:
| £500 | Credit cards - fraudulent use by an unauthorized person anywhere in the world |
|---|---|
| £500 | Money |
| £500 | Medals and decorations |
Optional additional cover
- Pedal cycles
- Laptop computers
- Contact lenses
Home contents
The contents of your home (such as furniture, furnishings, domestic appliances, electrical goods) are covered under this section for accidental damage and loss or damage by specific causes such as: theft, fire, flood, storm, burst pipes, lightning, explosion, earthquake, collision, riot, vandalism and other perils. The minimum sum you can insure for is £9,000 but you must make certain that the amount you select will cover the full replacement value of the contents of your home. The following additional benefits are included at no extra charge:- Costs of temporary alternative accommodation and storage if your home is made uninhabitable by specific causes, up to 30% of your sum insured
- Up to £750 for loss of metered water and oil
- Loss of freezer food due to temperature changes caused by accidental breakdown or power failure
- Loss of title deeds up to £500
- Loss or damage to contents in the open up to £500
- Loss or damage to contents temporarily away from your home in a bank, safe deposit, occupied private house, MoD or other building, up to 30% of the sum insured
- Loss or damage to contents temporarily away from your home whilst with you or members of your family at boarding school, college or university, up to 30% of the sum insured
- Accidental loss or damage whilst in transit by professional removers or military transport to a new home (including storage in furniture depositories during removal or whilst serving overseas), Unless you have selected and paid for worldwide cover, the policy will only cover removals within the United Kingdom
- Loss or damage to television, radio or satellite receiving equipment
- Loss or damage to keys and locks
- Loss or damage to prams and wheelchairs up to £500
- Automatically increased sums insured for Christmas - additional £3,000 during December. Weddings - additional £3,000 for one month before and after the wedding
- Fatal accident - if the main proposer dies within 90 days as a result of fire, explosion, lightning, thieves in the home or in an accident whilst travelling anywhere in the world as a fare paying passenger in a road or rail vehicle, the policy will pay up to £5,000
- Unaccompanied postings or detachment - loss of or damage to household goods and domestic equipment whilst you are serving anywhere in the world, up to £1,000
- Business equipment up to £5,000
Legal liabilities
As the occupier of your home, an individual or perhaps an employer of domestic help, you may be held legally liable for accidental injury to another person or for damage to their property. This section of the policy will pay damages and legal costs up to £1,000,000 (or £5,000,000 for injury to an employee). This section includes:- your legal liability as a tenant for damage by specified causes, up to 30% of the sum insured you select for your home contents
- payment of damages awarded to you in a UK court, which remain unpaid three months after the date of the award (provided that there is no appeal pending), up to £1,000,000
- Contents in store
- Contents of let properties
- Optional Legal Expenses cover arranged by Royal & Sun Alliance Insurance plc and underwritten by FirstAssist Insurance Services Ltd. This provides cover up to £40,000 for you and your family to defend or pursue your legal rights for disputes in relation to:
- - Personal injury
- - Personal goods
- - Consumer protection
- - Residential
- - Employment
- - Tax
- - Jury service
Helplines
In addition to the insurance cover provided by this policy, PAX Insurance has arranged the following helpline services, available 24 hours a day:- Domestic assistance service (UK only)
- Personal and legal tax advice (only available with legal expenses cover)
Additional information
- Premium discounts are available if you wish to increase the standard policy excess
- The excess for each section of the policy other than legal expenses is £50 and £100 for computer laptops unless stated otherwise
- A PAX Kit & Home Contents insurance policy wording is available upon request
