Kit & Contents Insurance

Insurance to cover damage or loss of kit, personal possessions and home contents

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PAX Military Kit and Contents cover starts from just £7.07* a month, or annual costs starting from £80.06.* 

When taking out this type of policy, you must select at least 2 out of the 3 options below

Military Kit Cover jacket

Military Kit

Ensure you're covered for loss or damage to any kit you've kept hold of.

  • No claims discount available
  • Cover for service uniforms, kit and equipment owned by you or on permanent issue
  • Worldwide cover, including whilst in transit
  • Claims are settled on a new for old basis

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Military Kit Personal Possessions Mobile Phone

Personal Possessions

Make sure your personal possessions are covered no matter where you are in the world.

  • Covers personal belongings in and away from your home
  • Mobile phones covered as standard
  • Optional cover for pedal bicycles, laptops and tablets
  • Worldwide cover for fraudulent use of credit cards
  • Cover for you and your immediate family

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Military Kit Home Contents House and Furniture

Home contents

Home contents insurance specifically designed for UK Reserve Forces.

  • Cover for accidental damage and loss
  • Cover for loss or damage during a move by professional removers or military transport
  • Temporary alternate accommodation if your home is made uninhabitable
  • Covers any contents that you or your family temporarily take away from the home while at university, college or boarding school

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+ Optional cover

March Out Cover Boot

March Out Cover

Add March Out cover for an additional £6.16 per year.

The Licence to Occupy you will have signed for your Forces accommodation means that you are not classed as a tenant, and includes a clause making you liable for damage to the property up to £20,000.

March Out Cover has been specifically designed to cover you for loss or damage to contents, fixtures or fittings, or accidental damage to service accommodation buildings up to £20,000.

Price includes Insurance Premium Tax of 12%.

Legal Expenses cover file

Legal Expenses Cover

Add Legal Expenses Cover for an additional £13.44 per year.

Optional legal expenses covers you for up to £40,000 for any one claim and allows you to defend or pursue your legal rights for disputes in relation to:

  • Personal injury
  • Personal goods
  • Consumer protection
  • Residential
  • Employment
  • Tax
  • Jury service

Price includes Insurance Premium Tax of 12%.

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Receive your quote

Get a quote for your Kit & Contents insurance

Give us a call

Get in touch

Call our dedicated PAX team on 0800 2124 800
(+44(0)1737 503 153 outside the UK) or drop us an email on

*Representative Example

£7.07 and £80.06 are based on the basic level of cover: £3,000 for kit owned by or on permanent issue to you and £3,000 for personal possessions which includes mobile phone cover, and includes a 3 year no claims bonus. Premiums quoted include Insurance Premium Tax at the appropriate rate.

Cash Price


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


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

Aon UK Limited is a credit broker and not the lender. We have only approached Premium Credit Limited, Ermyn House, Ermyn Way, Leatherhead, KT22 8UX. We are not therefore providing you with any advice regarding this finance provider. Aon UK Limited 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