Military kit cover

Ensure you’re covered for loss or damage to your kit from £8.29* a month

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As a member of the UK Armed Forces, it’s your responsibility to cover the cost for lost or damaged kit and equipment.

Ensure you’re covered by taking out a PAX Kit & Contents policy which will give you peace of mind that you'll never be out of pocket should, for example, your uniform get damaged or your boots are lost or stolen.

Optional additional cover

Service Accommodation Liability covers you for charges that you may be liable for due to loss of or damage to contents, fixtures and fittings or accidental damage to service accommodation buildings (of married quarters, hirings, and other MoD accommodation).

The Licence to Occupy (March Out / Out Muster) 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. 

The Service Accommodation Liability cover, available as part of your PAX policy, has been specifically designed to protect you for damage to property up to £20,000.

Quick facts

  • Cover starts from just £8.29* a month or £93.84 annually*
  • Cover up to the sum insured on service uniforms, kit and equipment owned by you or on permanent issue
  • Cover up to £15,000 on uniforms, kit and equipment on temporary issue to you, for your own use
  • Worldwide cover, including whilst in transit
  • Minimum sum insured: £3,000
  • Claims are settled on a new for old basis
Military personal possessions cover

Personal Possessions

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

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Home contents cover

Home contents

Enjoy the peace of mind knowing you’re covered if the worst happens to your belongings in your home.

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Optional Legal Expenses Cover for an additional £13.44 per year

Optional legal expenses cover 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

Important notes

Price includes Insurance Premium Tax of 12%. 
This cover excludes pre-existing disputes and any starting within 90 days of the start date of the policy, unless those disputes are in connection with a contract starting after the cover is taken out.
Claims handling will be undertaken by FirstAssist Insurance Services Limited

Get a quote today

Get a quote online

Please use our quote and buy website to take out your PAX kit & contents policy.
Get cover online
Receive your quote

Download proposal form

Please download, complete and submit the proposal form online.

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Give us a call

Get in touch

Call our dedicated PAX team on 0800 2124 800
(+44(0)1737 503 153 outside the UK).

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


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

Why choose PAX Insurance?

Over 100 years of protection

PAX has been providing insurance specifically tailored to the military for over 100 years, looking after service personnel and their families. 

A dedicated team of insurance professionals 

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

Trusted by over 60,000 military personnel

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