Compare Armed Forces Car Insurance

  • Save up to £515* on your car insurance
  • 97% of reviewers recommend Free Price Compare
  • Compare car insurance quotes from 120+ insurers
GB
Retrieve Quotes

Don’t have your registration number? No problem, click here.

Tip: Some insurers offer discounts for low annual mileage. Consider this if you don't drive often.

4000+ reviews

We compare car insurance quotes from 120+ companies...

Wide variety of insurance options available to help you find a suitable policy

Happy Customers

We've served thousands of policies to
thousands of happy customers.

Price Comparison Market

10+ years experience in
the Price Comparison Market.

Car Insurance Companies

We'll display quotes from
120+ car insurance companies.

Members of the armed forces face unique situations that regular car insurance might not handle well. They can have sudden deployments or be away from home for long periods. Military car insurance offers special benefits and flexibility to suit their needs. This page shows how military personnel can compare insurance policies. They can find the best coverage and price for what they need.

Why Choose Specialist Armed Forces Car Insurance?

Standard car insurance might not provide enough protection for military members. Those in the armed forces often face:

  • Sudden transfers or work in different countries
  • Long periods away from home
  • Storing vehicles near military bases or on base
  • The unpredictable nature of military life

Specialist armed forces car insurance is designed to meet the unique needs and risks of being in the armed forces. It provides:

  • You can have flexible terms for working abroad.
  • There is coverage for vehicles that are not in use.
  • You can enjoy safeguarded discounts if you have no claims.
  • It is easy to update your policies when you change jobs or vehicles.
  • You can choose flexible payment options if your schedule changes.

What Types of Car Insurance Can Armed Forces Members Compare?

Armed forces drivers in the UK can choose from the same basic car insurance options that regular people can use. They can also find special extras from companies that focus on their needs.

Third-Party Only

It includes harm or damage to other people. This is the essential legal requirement in the UK.

Third-Party, Fire and Theft

It has coverage from other companies. It also provides protection from fire damage and theft.

Comprehensive Cover

The best protection for your vehicle is available. It takes care of third-party claims and usually offers:

  • Help with breakdown cover
  • Support for legal issues
  • Personal accident insurance
  • A temporary or replacement vehicle

Specialist insurers may also offer:

  • You can move easily for overseas postings.
  • You can keep your no claims bonus while you are away.
  • It's simple to change your policy if you change vehicles or jobs.
What Types of Car Insurance Can Armed Forces Members Compare

How Much Does Military Car Insurance Cost?

The cost of military car insurance can change. It relies on several factors. These include the type of vehicle you own, your age, your driving history, the level of coverage you choose, and where you store the car. Here are some example premiums:

Driver Category Estimated Annual Premium (£)
Active Military Personnel £450 – £700
Reservist £500 – £750
Civilian Driver £600 – £950
Unemployed People £800 – £1,200

These estimates consider a clean driving record and similar vehicles. The numbers are correct as of December 2024.

Get Quotes

What is the best way to compare car insurance for armed forces personnel?

The best way for armed forces members to compare car insurance is by using a trustworthy comparison site. These sites let you view quotes, coverage choices, and provider info one after another. This makes it easier for you to quickly find the best price and a policy that meets your unique needs.

What Are the Benefits of Military Car Insurance?

Military policies are created to help military personnel and meet their specific needs. They provide:

What Are the Benefits of Military Car Insurance
  • There are lower premiums made for armed forces members.
  • You can enjoy flexible payment options that suit different schedules.
  • There are no cancellation fees for short notice deployments.
  • You can keep your claims discount, even if you don't make a claim.
  • Laid-up cover is available when your car is not in use.
  • You can get representative cost savings when you bundle with other products.

These special insurance options provide you with peace of mind and great value while you are serving in the military.

How to Reduce Your Car Insurance Premium as a Service Member

To save money and compare car insurance quotes, simply follow these steps:

  • Keep a clean record: Avoid penalty points. This shows you are a lower risk.
  • Use comparison tools: Websites like Free Price Compare help you compare car insurance from trusted insurance companies.
  • Choose a higher voluntary excess: This choice can lower your monthly premiums.
  • Select a vehicle in a lower group: The type of vehicle you choose affects the cost directly.
  • Ask for discounts: Check with providers for military or specialist insurance offers.
  • Review your policy every year: Your current insurance supplier might not always offer the cheapest price.

Get Quotes

Related Articles

How to Save on Car Insurance: A Complete Guide

Comprehensive Car Insurance Explained: Windscreen Coverage

Car Insurance Fronting: What You Need to Know

Unlocking Value: Car Insurance Policies Explained

Correct as of 06 May 2025

FAQs About Armed Forces Car Insurance

Standard car insurance policies usually don't fit the unique needs of military service members. Special military insurance is designed to meet the specific needs of these service members.

Most insurance companies that support military members allow you to keep your claims discount while you are away for a long time. This policy stands even if you do not use your policy.

Yes. Some insurance companies offer special insurance options for the armed forces community. They provide plans that have flexible terms.

Military car insurance policies typically do not add extra fees if you have an accident. They also provide coverage for situations when you must move or complete military duties on short notice.

When you look at car insurance on sites like Free Price Compare, you can find car insurance quotes that are friendly for military members. You can discover the cheapest price and see the coverage options from companies that are regulated by the Financial Conduct Authority.

Car Insurance Comparison

Convictions Car Insurance Comparison

Car Insurance Provider

Car Insurance Guides

Page last updated on: 24/09/2025

Page reviewed by: Shay Ramani

4000+ reviews