ABSOLUTE MILITARY – SPECIALIST INSURANCE FOR HM FORCES
Military Insurance Market Review
July 2026
Every month we publish the independent Fairer Finance fair value results across the military insurance market by every brand, every segment, in full. Including the areas where we score lower. These are Fairer Finance’s ratings, compiled using its own methodology. We don’t edit the results.
Fairer Finance Insight Portal, July 2026
4 segments B7 20 product assessments
ABSOLUTE MILITARY – SPECIALIST INSURANCE FOR HM FORCES
Military Insurance Market Review
July 2026
Absolute Military exists for one reason: to protect, support and serve the military family better than anyone else. Since 2020 we have grown from a groundbreaking start-up into a market leader trusted by over 16,000 military relationships — all while holding our social mission at the centre of everything we do.
Fairer Finance Insight Portal, July 2026
4 segments B7 20 product assessments
West Malling, Kent
Our commitment: full results, every month, good and bad. Fair value means showing the whole picture — that’s what Consumer Duty asks of us, and it’s what our customers deserve.
What is Fairer Finance?
Fairer Finance is an independent consumer research organisation that rates financial products on their real-world value — not just price. Each month it publishes fair value tables covering every product in a market segment, scored on features, pricing and overall value.
Ratings are awarded as Great value Reasonable value Could be improved — and we reproduce them here in full, without modification, so you can see exactly where we stand against the whole market.
Fairer Finance assessed four military insurance segments in July 2026 — personal accident, and budget, mid-range and high-end kit & contents. In all four segments, the only product rated “Great value” was an Absolute product — for the second consecutive month. Every rating, features rank, premium and pricing rank across all 20 products assessed is unchanged from June.
How the ratings work
Fairer Finance is an independent consumer research organisation. It assesses every product in each market segment against the same framework: primary features (the core cover that matters most), secondary features, tertiary features, and fees, charges & excesses. Each product receives a features rank within its segment, a pricing rank, and an overall value indicator — Great value Reasonable value Could be improved.
Scores are measured in quartiles against the whole market: a 1st-quartile score places a product in the top 25% of the market for that category.
All figures on this page — including every competitor figure — are taken directly from the July 2026 Fairer Finance fair value tables and the underlying Fair Value Reports, without modification.
Military Personal Accident Insurance No change from June — all positions held
| Brand — Product | Fairer Finance value indicator | Features rank | Min monthly premium | Pricing rank |
|---|---|---|---|---|
| Absolute — Military Personal Accident Insurance | Reasonable value | 1 | £3.79 | 2 |
| PAL Insurance — Personal Accident Insurance | Reasonable value | 2 | £3.99 | 3 |
| Absolute — Military Personal Accident Insurance (existing customers) | Great value | 3 | £2.99 | 1 |
| Trinity — Supreme | Could be improved | 4 | £23.35 | 8 |
| Forces Mutual — Personal Accident Insurance | Reasonable value | 5 | £5.04 | 4 |
| Trinity — Elite | Reasonable value | 6 | £18.35 | 7 |
| Trinity — Standard | Reasonable value | 7 | £13.68 | 6 |
| Trinity — Economy | Reasonable value | 8 | £9.21 | 5 |
Source: Fairer Finance Insight Portal fair value table, Military Personal Accident Insurance, July 2026. Premiums shown are Fairer Finance’s minimum monthly premium (individual) metric; pricing ranks relate to that metric. Fairer Finance also publishes a maximum monthly premium view.
Our results in this segment
Absolute Military Personal Accident Insurance again ranked 1st of 8 on features, with a 1st-quartile primary features score. The existing-customer product retained the segment’s only Great value rating, with the cheapest minimum monthly premium of the eight products assessed, at £2.99. This product is available to existing Absolute customers; for new customers, cover starts at £3.79 per month and is rated Reasonable value. Both positions are held from June.
Where we scored well
- Conflict cover — the policy covers injuries caused by conflict with any belligerent (100% score)
- Military-specific injury cover scored 100% across tendon rupture, dislocation, fractured kneecap, wrist, shoulder and leg, heat stroke, cold injury and ligament tear
- Facial scarring (£10,000) and skull fracture (£2,500) cover both scored 100%
- Hospitalisation and convalescence cover run for a full 365 days — 100% score on both
Where we scored lower
We publish these because fair value means showing the whole picture.
- Tertiary features scored 25%. The policy does not currently include coma benefit, hostage cover, or childcare expenses after injury — each scored 0%.
- Secondary features scored 47%. The base fatal injury benefit of £10,000 per unit scored 7% against the market. This product is designed around injury and disablement cover; customers who need life cover are advised on that separately.
- Maximum monthly premium (£18.95 at maximum units, individual) sat mid-market, ranking 5th of 8 on Fairer Finance’s maximum-premium view.
Budget Military Kit & Contents Insurance No change from June — all positions held
| Brand — Product | Fairer Finance value indicator | Features rank | Annual premium | Pricing rank |
|---|---|---|---|---|
| PAX Insurance — Kit and Contents Insurance | Reasonable value | 1 | £174.89 | 4 |
| Absolute — 1st Choice | Great value | 2 | £84.00 | 1 |
| Absolute — Level 1 | Reasonable value | 3 | £111.00 | 3 |
| Trinity — Military kit, contents and personal possessions insurance | Could be improved | 4 | £301.56 | 5 |
| Forces Mutual — Kit Start | Reasonable value | 5 | £104.64 | 2 |
Source: Fairer Finance Insight Portal fair value table, Budget Military Kit and Contents Insurance, July 2026. Annual premiums are Fairer Finance’s benchmark price for a standardised basket: £3k kit, £3k personal possessions, £5k contents, £800 bike.
Our results in this segment
Absolute 1st Choice retained the segment’s only Great value rating — 2nd of 5 on features and the cheapest product in the segment at £84.00, with 1st-quartile primary features (77%) including 100% scores on total kit sum insured, new-for-old kit replacement, and the 180-day unoccupied period for military duty. Absolute Level 1 held 3rd of 5 on features for a second consecutive month, and adds cover for thief-attractive items such as smartphones and laptops over 1st Choice.
Mid-Range Military Kit & Contents Insurance No change from June — all positions held
| Brand — Product | Fairer Finance value indicator | Features rank | Annual premium | Pricing rank |
|---|---|---|---|---|
| Absolute — Level 2 | Great value | 1 | £159.00 | 1 |
| PAX Insurance — Kit and Contents Insurance | Reasonable value | 2 | £250.29 | 3 |
| Forces Mutual — Kit & Personal Possessions Insurance | Reasonable value | 3 | £219.24 | 2 |
| Trinity — Military kit, contents and personal possessions insurance | Could be improved | 4 | £421.68 | 4 |
Source: Fairer Finance Insight Portal fair value table, Mid range Military kit and contents insurance, July 2026. Benchmark basket: £3k kit, £3k personal possessions, £20k contents, £800 bike.
Our results in this segment
Absolute Level 2 again ranked 1st of 4 on features and 1st on price — the segment’s only Great value rating, at £159.00 per year. Key limits behind the score: £20,000 contents, £5,000 kit, £5,000 kit specified single item limit, £5m personal liability and a 180-day unoccupied period for military duty.
High-End Military Kit & Contents Insurance No change from June — all positions held
| Brand — Product | Fairer Finance value indicator | Features rank | Annual premium | Pricing rank |
|---|---|---|---|---|
| Absolute — Level 3 | Great value | 1 | £315.00 | 1 |
| PAX Insurance — Kit and Contents Insurance | Could be improved | 2 | £408.33 | 3 |
| Forces Mutual — Kit & Personal Possessions Insurance | Reasonable value | 3 | £359.28 | 2 |
Source: Fairer Finance Insight Portal fair value table, High end Military kit and contents insurance, July 2026. Benchmark basket: £5k kit, £5k personal possessions, £50k contents, £800 bike.
Our results in this segment
Absolute Level 3 again ranked 1st of 3 on features and 1st on price — the segment’s only Great value rating. Headline limits behind the score: contents insured to £50,000, kit to £6,000, £3,000 unspecified single item limits at home and away, £5m personal liability, a 180-day unoccupied period for military duty, and new-for-old kit replacement.
Where our kit range scores lower
Consistent across the Absolute kit & contents range in July — unchanged from June:
- Legal expenses cover is not included — £0, scoring 0% on tertiary features
- Loss of metered oil is not covered (£0)
- Mobile phone and laptop excesses of £125 scored below the market median (48% and 28% respectively); the standard £50 excess scored 70%
- Items stolen from an unattended vehicle are limited to £1,000 — 50% against market
- Tertiary features scored 53% across the range; fees, charges & excesses scored 49%
We review these results every month, and they feed directly into our product development discussions with our insurers.
A note on this review
This market review is compiled monthly from Fairer Finance’s Insight Portal. Absolute Military subscribes to Fairer Finance’s Insight Portal; however, Fairer Finance’s analytical methodology, feature weightings, scoring decisions and product assessments are entirely its own and are applied consistently across all providers reviewed, including Absolute. Fairer Finance’s ratings, value indicators, quartiles, features ranks, pricing ranks and “cover per £1” methodology are its own independent framework — all results, including competitor results, are reproduced exactly as published by Fairer Finance for July 2026, without modification. Premiums shown are Fairer Finance’s benchmark prices for standardised cover baskets and individual rates — your premium will depend on your circumstances. Rankings and ratings relate to the products and segments assessed by Fairer Finance in July 2026 and may change month to month. Other brands’ product names and trade marks belong to their respective owners. This review is for information only and is not advice or a personal recommendation.
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