It can be a nightmare knowing where to start when it comes to finding kit insurance that meets your every need. Will you be covered for high-value items? What happens if your circumstances change?

The right kit insurance policy will put your mind at rest that you are fully covered in the event of loss, damage, fire or theft. You can also rest assured (depending on the cover you choose) that you will be protected against the loss of uniform and equipment should you need it, as well as protection for personal possessions at home, on camp, or overseas. So, what do you need to know when talking out kit insurance for the first time? Here are our top tips to help get you started.

• As well as personal kit, most service people have tech, such as mobile phones, laptops, iPads and smart watches, that needs insuring. It is important to check the cover level of your policy and specify any high-value items.
• A worldwide kit insurance policy means you will be covered in any country. This is essential for service people who are deployed or posted overseas. Your policy needs to go with you wherever you are in the world, whether travelling, at home, in your room, or on camp abroad.
• Make sure your kit insurance sufficiently covers all your personal items and don’t be fooled into taking out more cover than you actually need. If your circumstance change, be sure that your policy still applies. For example, if you acquire a new bike, you may be required to add it to your policy details.
• Like everything, you need to check what you are paying for! Some people claim that the cheapest kit insurance is not necessarily the best policy for you, it’s crucial to find out for yourself as more often than not it is easy to overpay for cover that you don’t need. Also beware when you hear an Advisor criticising another product. BUYER BEWARE!
• Paying monthly for kit insurance is a good idea because you don’t need to find a lump sum every year. It also makes it easier to switch provider if you are not receiving the service you deserve.
• Make sure you aren’t paying interest on your premiums for your Kit Insurance nor are you going to get charged hefty admin fees when your circumstances change.
• Take control of your own policy requirements by registering online and contacting the customer service team if you have any questions. They will be more than happy to assist you. These days innovative Insurers have Apps so you can manage your policy yourself without having to wait for ages calling a call centre.
• Always read the small print! Any insurance product comes with an information document called an IPID, detailing what is and is not included. This allows you to make a comparison between the different levels of cover available, so you can find a policy that best reflects your requirements.

Kit insurance is a simple solution for protecting your uniform, equipment, personal items and contents of your room or home.

At Absolute Military, we are here to make sure your kit insurance provides the right level of cover for your individual needs.

If you would like any further information, please contact our customer service team on 01233 885410 or contact us.