Military Car Insurance

Fully personalised and totally stripped back, the average customer saves £250 per year on their car insurance with Forces Compare - and you can get a quote today in less than 10 minutes!

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What is Military Car Insurance?

With military car insurance you are able to get covered for any driving accidents that take place on military bases or places that are exposed to greater risk as a result of being in the armed forces, including places abroad.

In general, your average car insurance provider does not want to offer coverage to anyone who works on military bases, under the assumption that these are more hazardous and dangerous locations.

In addition, this overlaps with military personnel who are automatically deemed a higher risk and are often unfairly quoted much higher amounts for their car insurance.

But this does not need to be the case. With military car insurance from Forces Compare, you are able to get a specific policy from military-friendly insurers who understand and know the risks. So you can access much better cover for your needs and above all, pay a fraction of the price of regular car insurance.

Key Features

  • Personalised quotes for every customer
  • Average customer saves £250 to £1,000 per year
  • Driving abroad included
  • Driving different vehicles included
  • Legal cover included
  • Laid up cover
  • Cover available for the UK and when based in British Forces Germany and at SHAPE.
  • Foreign no claims discounts accepted
  • Same day quotes and policies available
How is Military Car Insurance Better from Forces Compare?

Military car insurance from Forces Compare is fully transparent and there is no automation to give people the same results. We personally take every enquiry and consider the risks and opportunities to give you the best coverage and most affordable price.

Our insurers do not work with other price comparison sites because we are really taking insurance and stripping it back to its bare bones. No assumptions are made just because of your convictions or credit score, we look at everyone on an individual basis and this has helped us save customers between £250 and £1,000 per year – and often get better cover as a result!

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What is Included in Military Car Insurance?

Third party only: This gives you cover for any costs associated to damages to third parties – including other drivers, their vehicles, property or pedestrians. This offers to pay for any repairs, replacements, medical bills and compensation that you were liable for, but this does not cover you for any repairs or injuries placed on yourself.


Third party, fire, flood and theft: In addition to covering any third parties that you may have impacted or caused damage to, this will also cover you vehicle in the event of fires, floods and theft. This cover will offer to pay for any replacements or repairs to your vehicle based on the policy value.


Fully comprehensive: A fully comprehensive policy offers cover to third parties, fire, flood and theft and also any damages incurred upon your vehicle and yourself.

Despite offering more cover, this level can often be cheaper since insurers caught on that more motorists were buying third party only cover.. This aims to pay for any compensation, medical bills, injuries, vehicle fixes and more – both on third party vehicles and your own.

What Extras Are Included in My Military Car Insurance Policy?
  • Cover for Airside and On Base
  • Cover Across Europe
  • Cover When Laid Up
  • Foreign No Claims Discounts Accepted
  • Legal Cover
  • Business Cover
How to Apply for Military Car Insurance With Forces Compare

Click the “Get Started” button to be taken to the online application form. When applying, we’ll need to collect a few details from you, including the following:

  • Your name.
  • Your address.
  • Your date of birth.
  • Contact details – for example email address and telephone number.
  • Branch of services.
  • Your rank.
  • Details about your driving licence.

Complete the online form to start the application process for armed forces car insurance.

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What Impacts The Price of My Military Car Insurance?
  • Your Age
  • Type of Vehicle, Model and Engine Size
  • Mileage
  • No Claims Discount
  • Claims History (Not Always)
  • Work Your Do and Potential Risks


Yes, we consider all kinds of driving convictions including loss of points, driving driving and speeding, taking into account the amount of time since these convictions occurred and what your recent driving history looks like since then.

Generally speaking, we do not decline people based on previous convictions, unless the conviction is so severe that they were released from the military as a result.

Yes, you have free business use included in every policy so that you can claim back mileage if travelling for work purposes (45p to every £1 in petrol or travel).

With a 10 minute application, we aim to deliver a personalised quote to you on the same day, with coverage available within 24 hours too!

Many insurers have airside/quayside exclusions which stipulate that cover will not be provided if your vehicle is parked in an area deemed as an “airside.” We recognise that most MoD locations are defined by this and you are unable to claim if your vehicle is damaged or you are liable for any incidents within the vicinity of an airside.

We have partnered with Forces Solutions who help us to personally underwrite ever since customer and enquiry that we have, working closely with military insurers such as ERS and Markerstudy.

Yes, we include laid up insurance cover as standard and this can give you  reimbursements of up to 80% from your monthly premium if you are stationed abroad or at sea for a period of time.

During this time, you are not using your car, but you still need to insure it against risks such as vandalism, theft or fires.

With laid up cover you are still able to insure it against these risks but you can get a huge discount because you are not using the car – happy days!

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