PAX Insurance

Our team can arrange military insurance for HM Armed Forces personnel and their families.

As a member of the British Armed Forces, you need more than a standard insurance policy; that's why we offer a range of products suited to the life you lead.

Military personal accident cover

Personal Accident

PAX has been the major provider of Personal Accident Insurance to HM Regular Armed Forces since 1989.

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Military kit cover

Kit and Contents

Insure your military kit, personal possessions and mobile phone from as little as £8.29* a month.
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Military travel insurance


PAX can arrange UK single trip cover from £13.55 or a Worldwide annual cover from as little as £107.82.+
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Military life insurance


Cover is available to Regular and Reserve personnel, with terms from 5 to 30 years and sums insured up to £240,000 per person. 
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Buildings insurance


Buildings Insurance for the Armed Forces. 10% discount available to current and ex-service personnel, if you’ve served for over 3 years.
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Why choose PAX Insurance?

Over 100 years of protection

PAX has been providing insurance specifically tailored to the military for over 100 years

Trusted by over 60,000 military personnel

From personal accident to travel insurance, PAX covers over 60,000 members of the UK Armed Forces

A dedicated team

 Our dedicated PAX team will ensure we provide you with the necessary cover to meet your specific needs

Am I eligible for PAX?

The PAX range of general insurance products has been created specifically for serving military personnel and their families, as well as those connected with the British Armed Forces. It covers personnel living in the UK as well as those based overseas.

PAX general insurance policies apply to:

  • Serving members of the Royal Navy, British Army, Royal Air Force and, Royal Marines, together with Reservists MoD civil servants and their immediate families
  • British civilians employed by the Armed Forces, consultants and those employed under contract with the Armed Forces and people providing charitable or voluntary services to the Armed Forces
  • Retired and ex-serving members of the Armed Forces living in the UK

*Representative Example

£8.29 and £93.84 are based on the basic level of cover: £3,000 for kit owned by or on permanent issue to you, with an additional £15,000 for kit on temporary issue, and £3,000 for personal possessions which includes mobile cover.

Cash Price (Amount of Premium including IPT and Administration Fee)


Finance Charge for credit (interest rate 6.0%)


Total Amount Payable - Cash price + finance charge (APR 11.5%)


First Instalment


No. of (monthly) instalments


Monthly Instalment Amount


+ £13.55 is based on UK single trip cover for 2-5 days. £107.82 is based on standard worldwide cover and includes baggage cover. Both are for individual cover only.

Quote is subject to Terms & Conditions. Premiums quoted include Insurance Premium Tax (IPT) at the appropriate rate, administration fees and instalment charges.

PAX Kit & Contents insurance is underwritten by Royal & Sun Alliance Insurance plc.

PAX Travel Insurance is underwritten by American International Group UK Limited.

PAX Personal Accident Insurance (including Personal Liability) is underwritten by American International Group UK Limited

PAX Term Life is underwritten by AIG Life Ltd.

PAX Buildings Insurance is underwritten by Royal & Sun Alliance plc.

PAX Insurance is a credit broker and not the lender. We have only approached Premium Credit Limited, Ermyn House, Ermyn Way, Leatherhead, KT22 8UX with whom we have an exclusive arrangement, and we are not therefore providing you with any advice regarding this finance provider. PAX Insurance is remunerated for arranging this credit and if you would like to find out more please contact us. Credit is subject to status and the lender may use a credit reference agency that leaves a record of the search or other information about you to carry out credit and anti-money laundering checks. Premiums quoted include insurance premium tax (IPT) at the appropriate rate.