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Your Journey, Protected - Choosing the Right Armed Forces Car Insurance

Your occupation is one of the main factors that insurance providers look at when coming up with the price of a policy. If you’re in the armed forces, then you can get military discount car insurance at a lower rate compared to people in many other occupations. While it’s true you won’t get cover as cheap as teachers or nurses for example, armed forces car insurance is still very affordable in comparison to many other sectors.

Get armed forces car insurance quotes that are tailored to your needs by clicking the green button. You can also get more information on the cover options available to you, ways to save money and FAQs by reading below.

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Did you know…?

People in the armed forces get cheaper car insurance compared to people in a lot of other jobs.

Why Getting Armed Forces Car Insurance Is Necessary

Car insurance is necessary to make your car road legal in the UK. You need to get third party only insurance at minimum. You can opt for a higher level of cover if you prefer, such as third party, fire and theft; or fully comprehensive.

Armed Forces Car Insurance - Types of Cover

Third-Party Only Insurance

: This is the most rudimentary form of car insurance and is the bare minimum required by law in the UK. It covers harm to other individuals and damage to other people's property, but doesn't extend to any damage to your own vehicle.

Third-Party, Fire and Theft Insurance

: This extends the coverage offered by Third-Party Only insurance, adding protection against loss or damage to your vehicle due to fire and theft.

Comprehensive Car Insurance

: This is the broadest cover you can get. It comprises all the elements of Third-Party, Fire and Theft insurance, and also potentially covers the cost of repairs or replacement of your vehicle, regardless of who was at fault in the accident.

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Did you know…?

Teachers and nurses generally pay the least for car insurance but those in the armed forces can still get cover at a very competitive rate.

Why You Should Compare Armed Forces Car Insurance Quotes Online

Below are some great reasons to compare Armed Forces Car Insurance quotes

  • Comparison websites offer cost-effectiveness by allowing side-by-side comparison of quotes and policies, ensuring transparency in prices and features for informed decision-making.
  • These services don't require commitment or purchase; they can be used as research tools.
  • Operating independently of specific insurers, these sites provide unbiased assessments to help users find the best policy.
  • Some comparison websites offer renewal reminders to help customers seize savings opportunities.
  • They promote competition among insurers, often leading to better pricing options.
  • Robust security measures are employed to ensure data security, so users need not worry about their information's safety.

Optional Cover For Armed Forces Car Insurance

Tailor your Armed Forces Car Insurance cover to suit your exact needs with the cover options below.

  • Legal Cover: Get tangled up in a road-related legal dispute? This cover is your financial shield against any legal costs that might occur.
  • Uninsured Driver Protection: If your vehicle gets hit by an uninsured driver, this cover ensures you're not left in a financial lurch, covering your excess and preserving your no claims discount.
  • Excess Protection Cover: If you need to make a claim, this cover absorbs the cost of your excess, so you don't feel the pinch in your wallet.
  • Breakdown Cover: This add-on comes to the rescue when your car breaks down, offering roadside assistance for a worry-free journey.
  • Windscreen Cover: This cover guards your windscreen against damage, ensuring your view of the road is always as clear as a bell.
  • Misfuelling Cover: Made a blooper by putting the wrong fuel in your car? This cover protects you against the cost of any repairs.
  • No Claims Discount Protection: Even if you have to make a claim, this cover ensures that your no claims discount stays put, helping you keep your future premiums lower.
  • Key Cover: Misplaced your car keys or had them pinched? This cover sorts out the cost of a new set and even the locksmith's charges.
  • Foreign Use Cover: Dreaming of a drive abroad? This extends your cover to foreign lands, providing you the same level of protection as at home.
  • Personal Accident Cover: In the grim event of a severe accident, this cover provides a financial buffer for you or any named driver, covering certain injuries.
  • Courtesy Car Cover: After an accident, if your car is in the garage for repairs, this cover makes sure your daily routine isn't affected by providing a courtesy car.
  • Child Car Seat Cover: Should an accident occur, this cover provides funds for replacing any child car seats, regardless of visible damage.

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Did you know…?

You can save money on armed forces car insurance by getting quotes from a lot of different providers.

Armed Forces Car Insurance - Saving Money

Follow the tips below to make sure you get the best price for your Armed Forces Car Insurance policy!

  • No Claims Discount: Insurers may offer discounts to drivers who have not made a claim in a while. The longer you go without making a claim, the larger the discount could be.
  • Higher Excess: Agreeing to pay a higher voluntary excess (the amount you pay towards any claim) can lower your insurance premium. However, ensure that you can afford the excess in case you need to make a claim.
  • Advanced Driving Courses: Some insurers may offer discounts if you've completed an advanced driving course, such as those offered by the Institute of Advanced Motorists.
  • Maintain a Good Credit Score: Some insurers consider credit score when determining premiums. A good credit score can demonstrate that you're reliable and may lead to lower costs.
  • Review Your Coverage Annually: As your life changes, so do your insurance needs. Review your policy annually to make sure you're not paying for unnecessary coverage.
  • Telematics Insurance: Also known as 'black box' insurance, this involves a device being fitted to your car to monitor your driving. Good, safe driving can lead to lower premiums.

Compare Armed Forces Car Insurance Quotes Now!

Compare and save, finding the perfect car insurance is as easy as pie. Just follow these steps:
  • Begin by entering your personal details - rest assured, they value your privacy.
  • Next, share your vehicle's details - this helps them match you with the best options.
  • Provide the specifics of your existing insurance - it's essential for precise recommendations.
  • Wait and see as specialist insurance providers come forward with customised quotes.

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Armed Forces Car Insurance FAQs

Do people in the armed forces pay the least for car insurance?

No, there are other professions where car insurance is cheaper, such as being a nurse or teacher. However car insurance for those in the armed forces is cheaper than for unemployed people and for people working in industries such as hospitality.

Is occupation the main thing insurance providers consider?

No. It’s one of the things they consider but not the only thing. Things like your age, driving experience, location and value of your vehicle all play a big role too.

Can I get a discount because I'm in the military?

This will vary from one insurance provider to the next. Some will offer a discount, particularly if they specialise in providing car insurance for people in the armed forces.

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Armed Forces Car Insurance Providers

Clean Green Compare have partnered with Quotezone.co.uk to help you save money on your Armed Forces Car Insurance. Quotezone.co.uk is a trading style of Seopa Ltd who are a limited company registered in Northern Ireland, Registered number: NI46322. Registered office: Seopa Ltd, Floor 4, Blackstaff Studios, 8-10 Amelia Street, Belfast, Northern Ireland, BT2 7GS. Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Their registered number is 313860.

You could save up to £518* *51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

Ian Beevis - Clean Green Compare Insurance Expert
Updated 6 May 2025Reviewed by Ian Beevis Insurance Expert