PAX Insurance

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

COVID-19 Update

In light of the ongoing Coronavirus (COVID-19) situation, the PAX team is working hard to offer you the best service we can whilst also safeguarding our colleagues.  All PAX colleagues are working from home until further notice, and are using the latest technology to connect with our customers, ensuring we are open for business as usual. Please note, you may experience delays in receiving renewal documentation from us, however rest assured we are still here to keep you covered. 

If you need any assistance please contact us on 0800 2124 800.

PAX Personal Accident and Optional Life and Critical Illness Policy:

Part One - Personal Accident


Q             Is there cover for death as a result of Covid19 under this section of the Policy?
A             No. This section provides cover for death or disability as the result of an accident and not a sickness or disease.


PAX Part Two - Optional Life (death by natural causes) and Critical Illness Extension

Q             Is there cover for death as a result of Covid19 under this additional section of the Policy?

A             Death as a result of COVID-19 under any existing cover would be classed as death by natural causes subject to the policy terms and conditions. For any new applications for cover, attention should be paid to the health questions and the need to answer these honestly and accurately in order for cover to be valid.

The PAX Personal Accident and Optional Life and Critical Illness Plan is fully open to new applications and is operating as normal. You can apply to join, change/extend or cancel cover at any time. Every Unit HR office should have a supply of PAX brochures and Enrolment Certificates.


If you need any assistance, please contact PAX Customer Services on 0800 212 480 -Select Option 1 or contact your Unit HR Office.


PAX Life:

Q             Is cover for death as a result of Covid-19 included under this policy?

A             Yes. Cover is subject to the normal Terms and Conditions of the policy.

The PAX Life Plan is fully open to new applications and is operating as normal. You can apply to join, change or cancel cover at any time. Applications are on line via


If you need assistance or have any queries, please contact PAX Life on 0345 266 0565


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.

Find out more
Military kit cover

Kit and Contents

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


PAX can arrange UK single trip cover from £13.55 or a Worldwide annual cover from as little as £107.82.+
Find out more
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. 
Find out more
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.
Find out more

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.