Military Vehicle Insurance

Military Vehicle Insurance from Lancaster Insurance Services

Military vehicles are unique and it can be a challenge finding an affordable insurance policy for them.

Whether it’s a Jeep, a tank, armoured cars or an ex-military Land Rover finding the right package and price requires a specialist approach.

This is where Lancaster Insurance Services can help.

‍Introduction to Military Vehicle Insurance

In your role as a member of the armed forces, you’ve likely encountered a myriad of challenges and situations. But have you ever considered the complexities of insuring your military vehicle?

This might seem like a trivial concern compared to other aspects of your military duties, but it’s a topic that deserves your attention. After all, military vehicle insurance is an essential aspect of your overall financial security and peace of mind.

Insurance, as you know, is a risk management tool designed to protect you from financial losses. Just as civilians need car insurance, you, as a military personnel, need military vehicle insurance. The difference is that military car insurance is suited to the unique needs, risks, and challenges you face in your line of duty.

Before delving into the intricacies of military vehicle insurance, it is crucial to understand that this type of insurance covers all vehicles used by military personnel. These can range from personal cars used for daily commuting, to specialised military vehicles used in the field. The bottom line is, if you’re in the military and you use a vehicle, you need military vehicle insurance.

The importance of Military Vehicle Insurance

Why is military vehicle insurance so important? Well, it’s simple. As a service member, you face unique risks and challenges that are not typically encountered by civilian drivers. These risks can include deployment to war zones, long-term overseas assignments, and frequent relocations. As such, military vehicle insurance is designed with these considerations in mind.

The importance of military vehicle insurance cannot be overemphasised. It not only protects your vehicle but also takes into account the realities of military life. For instance, if you’re deployed overseas and your car is stored in the UK, standard cover insurance policy may not provide coverage. But with military car insurance, your vehicle remains covered.

Moreover, military vehicle insurance recognises the sacrifices and contributions of our armed forces. Many insurance providers offer discounts and special benefits to military personnel as a way of saying ‘thank you’ for your service.

Why choose Lancaster for Military Vehicle Insurance?

We have designed a military vehicle insurance scheme which covers genuine ex-military vehicles that are at least 10 years old.

We can cater for a vast array of vehicles and have listed some of the most popular vehicles below:

  • Ex-Military Land Rover, Lorries & Transporters
  • Tracked vehicles such as Tanks and Armoured Personnel Carriers
  • Trailers
  • Limbers
  • Field Guns

We also offer added benefits to provide more value for money and create an all-round better insurance policy:

  • We can insure drivers between the age of 21*-70
  • Show and Rally Cover included
  • Cover for vehicles not registered with the DVLA
  • Multi-Vehicle policies available
  • Club Member discounts

(*Drivers aged between 21-25 must be a member of the Military Vehicle Trust)

Understanding Military Car Insurance

Now that you understand the importance of military vehicle insurance, let’s delve into the specifics of military car insurance. As the name suggests, military car insurance is a type of insurance that is specifically designed for members of the military who own or operate cars.

When you start shopping for military car insurance, you’ll find that many insurance providers offer policies that suit specific needs and circumstances of military personnel. This can include benefits such as coverage during deployments, discounts for safe driving, and flexible payment options that take into account the unpredictable nature of military life.

It’s also worth noting that military car insurance policies often provide coverage for damages caused by war, riots, and other civil unrest. This is a feature that you won’t typically find in standard car insurance policies.

Discover our military vehicle insurance benefits

We’re able to offer policies with a host of benefits to suit every type of driver.

Free EU cover

Protect your classic military vehicle overseas for up to 90 days.

Choice of repairer

Got a preferred garage who works on your military vehicle? We’ll let you choose the repairer.

24-hour claims helpline

Whether you need to file a claim day or night, our helpful team is always on call.

Plans to suit every military vehicle owner

No two military vehicles are the same, which is why we offer a range of optional addons to customise your policy just the way you want:

  • Breakdown cover: Whether you’re in the UK or the EU, we’ll get you back on the road in no time. Breakdown cover for the UK and EU costs a total of £74.95.
  • Gadget cover: Laptop, mobile, GPS or radio – whatever gadget you carry in your vehicle, we’ll protect it. Gadget cover costs a total of £49.95.
  • Legal protection: We can help towards the cost of legal fees if a claim goes to court. Legal protection costs a total of £34.95.

As an optional extra to your cover, you could also consider:

  • Agreed value: Agree the true value of your military vehicle with our expert and we guarantee that amount back in a total loss claim. Two-year agreed valuation costs a total of £18.

Factors impacting the cost of Military Car Insurance UK

Several factors impact the cost of military car insurance in the UK. These include your driving history, the type of vehicle you drive, and your military service.

  • If you have a clean driving record, you’re likely to receive lower premiums. On the other hand, if your record is marked with traffic violations or an accident, you may face higher premiums.
  • The type of vehicle you drive also impacts your insurance premiums. If you drive a high-performance or luxury car, you can expect to pay more for insurance. Similarly, if your military duties require you to drive a specialised vehicle, your insurance costs may be higher.
  • Military service can impact the cost of your insurance. Some insurance providers offer discounts to serving members who have been deployed or have served in combat zones.

Secure Your Military Vehicle with the Right Insurance

Securing your military vehicle with the right insurance is a crucial step in ensuring your peace of mind and financial security. Whether you’re stationed overseas or serving at home, having the right insurance coverage can provide you with the peace of mind you need to focus on your duties.

Military vehicle insurance is more than just a financial safety net. It’s a tool that recognises the sacrifices and contributions of our armed forces. By offering benefits and discounts that are specifically tailored to the needs of military personnel, these policies provide a level of coverage and support that is unmatched by standard insurance policies.

To get a quote today for your military vehicle or to receive a quote for any of our other insurance products, you can get a quote through our website by clicking here. If you would like to talk to one of our insurance specialists, you can give us a call on 01480 484 826 to receive more information.

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