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Armed Forces Car Insurance

Cheap Car Insurance Quotes for People in the Armed Forces

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Armed Forces Car Insurance – Compare Cheap Quotes


If you’ve ever compared car insurance quotes online you’ll know that you’re usually required to provide your occupation or job title, as well as the industry you work in. The reason for that is that insurance providers use your job title and your industry when assessing your risk profile, since insurance claims data indicates that people in certain roles and particular industries are more likely to claim on their insurance than others.

Similarly, motoring conviction data suggests people in certain professions are more likely to have their licences endorsed with penalty points or receive driving convictions, which means anyone in those professions are seen as higher risk than those in some other professions.

For instance, car insurance for unemployed people costs 30% more, on average, than a comparable policy might cost someone else because the data suggests those drivers are higher risk, while nurses, teachers, police officers and ministers of religion all benefit from much lower average premiums than many other motorists because they are seen as lower risk.

If you’re a member of the UK’s armed forces this is reasonably good news for you, because although your quotes aren’t likely to be as low as the average premiums nurses and teachers pay, military car insurance is still cheaper than car insurance for unemployed people or for people working in the hospitality or retail sectors.

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Is armed forces car insurance cheap?

While insurance premiums obviously take a lot of factors into consideration, if you’re a member of the armed forces you should find that the average cost of military car insurance falls somewhere in the middle. Members of the army, navy and air force are likely to pay more, on average, than people in the nursing profession, teaching or the police force, but significantly less than those in ‘higher risk’ industries like the hospitality sector, the entertainment sector, professional football and the retail sector.

Are there military discounts on car insurance?

It depends on the provider you decide to go with. Some insurance providers specialise in providing military car insurance, and those companies may well offer a military discount on their car insurance policies, while many of the more mainstream insurance companies will use your occupation as one of their variables but won’t specifically offer military car insurance discounts.

What other variables might influence the premium I’m quoted for armed forces car insurance?

While your occupation and industry will usually have a significant impact on your premium, insurance providers also use a wide range of other variables when calculating your car insurance premiums.

Some of the most important variables are your location, the crime rate in your area, your own criminal record, your driving record, the type of car you drive and where you park your car when you aren’t driving it.

I live on an army base – can I still take out army car insurance?

Yes, if you live on an army base and therefore have to list that address on your car insurance you should be able to find many different car insurance providers that are willing to offer you army car insurance.

Some insurance providers may apply ‘premium loading’ when you list a military base as your home address, since it’s harder for them to assess the risk profile of that area, but many will still provide the same quote.

What steps can I take to reduce the cost of my military car insurance?

Firstly, you should shop around for the best deals rather than automatically accepting your existing provider’s renewal quote, because it’s usually possible to find a cheaper premium when you compare quotes.

Beyond that, taking one or more of the following steps might help to reduce your premium:

  • Parking your car off the road when you aren’t driving it – cars that are parked on the side of the road have a higher risk of being side-swiped being a passing car or targeted by thieves, and that higher risk often translates into higher premiums.
  • Taking an advanced driving test (such as the ‘Pass Plus’ or ‘RoSPA Advanced Drivers and Riders’ test) – It’s not a universal rule, but some insurance companies might offer you a lower premium because these courses can help to prove that you’re a safety-conscious driver.
  • Adding a more experienced motorist to the policy as a ‘named driver’ – If you’re a young naval officer or army officer it might be worth adding a more experienced driver to your policy as a ‘named driver’, because some insurance providers might offer lower premiums to reflect the fact that aren’t likely to clock up as many miles behind the wheel yourself.
  • Opting for a telematics insurance policy – Again, this might be a more suitable option if you’re a teenager or first time driver (an army cadet, for instance), but if you do sign up for a telematics insurance policy (or a black box policy, as it’s more commonly known) you could benefit from cheaper insurance.

*51% of consumers could save £290.68 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next three cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from November 2021 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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