The MOD Kit Liability Scheme determines when serving personnel must pay for lost or damaged military kit and when the Ministry of Defence (MOD) covers the cost. It exists because military equipment is expensive, issued…

This financial year brings one of the most significant updates to military allowances in 2026, surpassing changes seen in recent years. With cost‑of‑living pressures still affecting serving personnel and their families, the MOD has introduced…

  X‑Factor pay is one of those things every serving soldier sees on their monthly payslip, but few ever get a clear, plain‑English explanation of what it actually represents. The short version: X‑Factor is an…

The cost to replace Army kit can be shockingly expensive — even for the smallest items.   Whether you’re a new recruit or a long‑serving soldier, understanding the real cost of your issued equipment is essential.…

Understanding your JPA payslip shouldn’t feel like trying to decode an encrypted message. Yet for many serving personnel, the layout, abbreviations, and deductions can feel confusing—especially for new joiners or anyone trying to get a…

A Absolute Military Monthly Market Review · Published Openly Every month we publish the independent Fairer Finance fair value results across the military insurance market — every brand, every segment, in full. Including the areas…

Every month, we carry out a detailed review of pricing and protection levels across the military insurance market. It's something I believe we have a responsibility to do – because the people buying these policies…