Many UK car insurers classify military bases and MOD property as hazardous or dangerous locations within their underwriting criteria. This means their policies exclude or significantly restrict cover when your vehicle is on base — which is, for most serving personnel, where their vehicle is parked the majority of the time. This is not a niche edge case; it affects a very large proportion of serving personnel who have standard civilian car insurance without realising the exclusion exists. A specialist military motor policy from Forces Solutions includes full cover on any military base as standard.

Standard UK insurers frequently refuse to accept NCD earned abroad — whether through a BFG broker, a German insurer, or any other foreign policy. This means personnel returning to the UK after an overseas posting are treated as new drivers with no NCD history, paying premiums that do not reflect their actual claim-free record. Forces Solutions accept overseas NCD, provided it can be evidenced in writing, as part of their standard underwriting approach.

Standard civilian motor insurance policies typically only cover social, domestic and pleasure use, with business use requiring an additional declaration and often an additional premium. Serving military personnel regularly use personal vehicles for military purposes — travel to and from duty, transport to exercises, and so on. A specialist Forces motor insurance policy includes free business use as standard, with no additional charge and no need to declare each use.

Absolute Military does not underwrite or arrange motor insurance. Motor insurance is a highly complex, regulated product requiring dedicated underwriting panel relationships, a specialist claims infrastructure, and road traffic compliance expertise. Rather than offer a generic motor policy through a comparison aggregator, we refer our community to Forces Solutions — a dedicated specialist who genuinely understands the requirements of serving personnel. This referral is made in the interests of the community, not for commercial gain. Absolute Military does not receive a fee or commission from this referral. For all other protection needs — life insurance, critical illness, personal accident, kit insurance, travel — Absolute Military can help directly.

If you are serving with British Forces Germany or at a NATO SHAPE location, you need specialist motor insurance that specifically caters for UK personnel based overseas. Forces Solutions are fully approved and recognised brokers for British Forces Germany and other NATO locations. They provide full annual international Green Card cover for NATO postings in Belgium and Germany, and their policies include combined physical damage and local third-party liability protection. Standard online comparison sites will not be able to help with this requirement.