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Insurance > Military Personal Accident Insurance


Military Personal Accident Cover

Military Personal Accident cover at competitive prices.

You protect us and we protect you and your family with worldwide cover,
24 hours a day.

Forces Financial Personal Accident cover compliments the recently improved Armed Forces Compensation Scheme (AFCS) by providing maximum benefit for disabilities resulting from accidents outside service. This unique approach ensures that premiums are kept to a level that those in the Forces can afford.

Dependent upon the level of cover you select, our Personal Accident cover includes as standard:

  • Double Disaster Benefit – If both you and your spouse or partner die or are permanently totally disabled from any occupation in the same accident, the policy will pay double the benefits
  • War risks (except between major powers)
  • Terrorism included (except nuclear, chemical and biological)
  • Permanent Total Disablement (PTD) from any occupation up to £150,000
  • Hazardous occupations and activities (leisure as well as work)
  • £500 benefit across all levels, for Bullet and Shrapnel Wound
  • Permanent loss of Specialist Pay, which operates on a sliding scale from £1,000 - £7,500.

Additional cover: You can select extra cover for death by natural causes and it can be extended to include your spouse or partner.

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00800 11 22 33 01
from UK & Germany

+44 1782 793 480
from rest of world
Female Cancer Cover

Forces Financial Personal Accident cover now provides female service personnel with £3,500 benefit payable on the diagnosis of cancer of specified organs.

Whilst it is generally understood that the pricing of some products such as Motor and Life Insurance already take account of gender, other policy premiums do not reflect the differing risks and requirements of men and women in the same way.

Forces Financial believes that specialist insurance products designed for the military should evolve in order to meet not only changing operational requirements, but to also fairly represent the requirements and risks posed by the different sexes in both the premiums and benefits offered.

Statistics show that:

  • Women in the Armed Forces are less likely to claim on their Personal Accident policy than men.
  • Women live longer than men.
  • However nationally, women are more than twice as likely to be diagnosed with breast cancer
    than men are to experience prostate cancer.

Did you know?

If you leave the HM Forces you can still keep your policy, provided that your new occupation is acceptable to the Insurers.


Forces Financial is a trading name of Stuart Harvey Insurance Brokers Limited who is authorised and regulated by the Financial Services Authority. Registration Number 301858. Registered Office: Globe House, 24 Turret Lane, Ipswich, Suffolk, IP4 1DL. Registered in England & Wales, Registration Number 4224318.

This can be checked on the FSA register: http://www.fsa.gov.uk/register