With rapid deployments to Cyprus and the wider Middle East becoming the norm, securing reliable military insurance is critical. However, the military insurance landscape has shifted dramatically. If you were previously relying on legacy providers like Towergate-who no longer offer Military Personal Accident insurance for soldiers-it is time to urgently review your cover before you step onto the tarmac.

The biggest threat to your financial security isn’t just the deployment itself; it’s the hidden clauses in standard insurance policies. Here is why Absolute Military is now the go-to provider for active-duty personnel, and why their approach to policy exclusions makes them a top-tier choice.

The “Belligerent” Exclusion: Why Standard Cover Fails You

When independent bodies like Fairer Finance review military insurance, one of the biggest red flags they look for is how a policy handles “belligerent” and war exclusions.

Standard civilian policies-and even some outdated military ones-contain strict clauses that void your coverage if you are injured or your kit is damaged as a direct result of war, terrorism, or the actions of “belligerents” (hostile forces).
Absolute Military provides transparent boundaries. While they do have universal exclusions for the direct impacts of War, Terrorism, or Nuclear/Chemical contamination, they provide explicit exceptions for operational call-ups under Travel and Deployment. Furthermore, a ‘Suspension Period’ is only declared during public hostilities involving 2,000+ deployed UK personnel-and even then, existing cover starting 30 days prior remains valid. This is a massive distinction that ensures you aren’t left financially stranded just because your orders send you into a volatile region.

Ranked 1/8: The Ultimate Military Personal Accident Cover

With Towergate exiting the Personal Accident space, Absolute Military has stepped up. Ranked 1/8 for comprehensiveness in Military Personal Accident, their coverage is engineered specifically for military life.
Coverage is based on a Unit system (up to a maximum of 5 units), and includes a specific “Military Edge” for deployments:
● Combat & Training Coverage: Payouts (with a £200 base limit) for gunshot wounds or flesh/shrapnel wounds sustained during occupational duties.
● Environmental Injuries: Specific payouts for Level 2 Heat Stroke or Non-Freezing Cold Injuries (up to £1,250)-vital for the extreme climates of the Middle East.
● The Vehicle Bonus: If you are struck by a registered Military Vehicle resulting in a valid claim, the total payout is increased by a 25% bonus, raising the maximum limit to £37,500 per unit.
Protecting Your High-End Kit & Contents
When you deploy to Cyprus or the Middle East on short notice, your gear is highly vulnerable. Absolute Military is officially ranked 1/3 for comprehensiveness in High-End Kit & Contents.
● Global Cover: Your military kit, including issued clothing, ceremonial dress, and personally purchased gear used for military roles, is covered away from home.
● High Limits: Maximum combined sums scale up to £69,000 (Tier 3), protecting everything from smart devices to high-end electronics.
● Long-Term Storage: If you are forced to leave gear behind during a deployment, ‘Long-Term Storage’ coverage is maintained for fire, theft, and flood.

Don’t Deploy With Gaps in Your Cover

With the operational tempo at an all-time high and major brokers altering their offerings, you cannot afford to leave your finances exposed to strict “belligerent” exclusions. Absolute Military (arranged by Just Advice Solutions Ltd) provides specialized insurance designed around the unique risks and realities of the Armed Forces.

Frequently Asked Questions (FAQs)

What happened to Towergate Military Personal Accident Insurance?

Towergate (now part of Everywhen) no longer offers new Military Personal Accident policies. Service personnel looking for this specific protection need to seek alternative specialist military brokers like Absolute Military.

Does military insurance cover war zones and belligerent action?

Most standard insurance policies contain a “belligerent clause” or war exclusion that voids claims related to war or hostile acts. However, Absolute Military explicitly makes exceptions for operational call-ups under Travel and Deployment, meaning you maintain crucial elements of your cover when deployed.

What happens to my kit insurance if I deploy and put my gear in storage?

If you have an Absolute Military policy, your High-End Kit & Contents cover automatically maintains ‘Long-Term Storage’ protection for fire, theft, and flood while you are deployed on an operational tour.