Buildings Insurance
Most insurance policies have not been designed to respond to the specific needs of the armed forces, but together with Royal & Sun Alliance Insurance plc PAX Insurance offers Kit & Home Contents and Buildings policies designed specifically for Service personnel and their families. PAX Insurance has been providing military insurance to HM Armed Forces and their families for over 100 years and during that time has become a trusted provider.Our Kit & Home Contents insurance covers the things important to you including:
your Service uniforms,
kit and equipment owned by you, or on permanent and temporary issue
loss of Service identity card
loss or damage to medals and decorations
liability under Service regulations for damage to Service accommodation
your personal possessions including jewellery, watches, cameras and sports equipment
accidental damage cover for your Kit & Home Contents
your possessions and home contents in transit and storage when you move home or are posted overseas
worldwide legal liabilities
reduced premium rates on your home contents ‘behind the wire’ in UK and Germany
With PAX Insurance you can be covered 24 hours a day and anywhere in the world. PAX insurance is available for:
serving members of the armed forces, reservists, MoD affiliated personnel and their families
British civilians employed by H.M. Armed Forces, Consultants and persons employed under contract with H.M. Armed Forces retired members of armed forces and previous serving members residing in the United Kingdom
Take advantage of our buildings insurance. If you own your own property we can provide:
10% discount off your buildings insurance if you have served in H.M. Armed Forces for over 5 years
optional accidental damage cover, including properties which are let or temporarily unoccupied
special terms in respect of unoccupancy as a result of operational deployment or homes temporarily unoccupied between letting
up to a maximum of £25 deducted from your first premium if your Bank or Building Society charges you a fee for switching your Buildings insurance to PAX Insurance.
24 hour domestic assistance helpline (UK only),000
24 hour domestic helpline (UK only)
Optional accidental damage cover
You can add an extension to your buildings insurance for other types of accidental damage cover not automatically included. For example, putting your foot through the ceiling whilst in the loft, or banging a nail through a pipe.
Buildings policy excess
The excess is the first amount of the claim that you must pay. The standard buildings excess is £50 (£1,000 for subsidence, landslip or ground heave). Premium discounts are available if you wish to increase the excess amount.
Buildings insurance covers your privately owned home, its permanent fixtures and fittings and interior decorations, outbuildings, paths, drives, ponds, tennis courts, swimming pools, walls, gates, fences, hedges and garages.
These are some of the main items covered under PAX Buildings Insurance. For full details please ask your insurance agent for a copy of the policy wording and Policy Summary.
What we don’t cover
Certain conditions and exclusions apply to the Kit & Home Contents and Buildings Insurance as a whole regardless of the specific cover you may select. Some of the main exclusions are mentioned below. For full details of these and other exclusions and limits please ask your Insurance agent for a copy of the Policy and Policy Summary.
no cover is provided for maintenance or anything that happens gradually if you leave your home unoccupied for more than 60 consecutive days, let it to anyone or use your home, contents or personal belongings for trade, professional or business purposes, some covers will be restricted and some will not apply
Posting overseas?
Don’t worry. If your family remains at home no action is needed as full cover will remain in force. If you decide to let your home, we can continue your cover subject to satisfactory details and insurer’s acceptance. If your home becomes unoccupied for extended periods certain exclusions and conditions may apply.