Insurance brokers respond to the needs of our Armed Forces

25th June 2016

In response to a need to help members of the Armed Forces access suitable insurance protection, the British Insurance Brokers’ Association (BIBA) has identified members that can commit to providing more flexibility in the insurance arrangements for service personnel and their families.  These insurance brokers have committed to:

  • Waiving cancellation fees and providing a pro-rata rebate when a member of the armed forces community is posted overseas; and
  • Freezing any No Claims Discounts accrued by a member of the armed forces community on their motor insurance for up to three years.

BIBA has agreed to work with the Ministry of Defence (MoD) to implement ‘signposting’ to appropriate brokers that specialise in cover for military personnel.  To make it even easier, the Find- A- Broker service operated by BIBA via or by calling 0370 950 1790 (9 to 5 Monday to Friday) can connect service people with the brokers most able to find an appropriate insurance solution.  With many insurers also making commitments on waiving cancellation fees and maintaining no claims discounts, accessing suitable insurance for the armed forces is now much more straightforward.

Graeme Trudgill, Executive Director at BIBA said: “We are delighted to be able to provide some additional flexibility to members of our Armed Forces who have not always found it easy to arrange suitable insurance cover to protect themselves or their property.  It is particularly pleasing on this day, celebrating all of Her Majesty’s Forces to be able to announce that insurance brokers are providing a solution that will make a difference to the members of our Services.”

Keith Frampton of BIBA member Forces Insurance Limited added; “The insurance needs of the military have been discussed at the highest level.  In addition to the commitment to the MoD on cancellation fees and no claim discounts, we and a number of other BIBA members, can supply policies specifically tailored to serving members of the Armed Forces including ‘laid up’ motor cover when personnel are on deployment; full motor or home cover when ‘on base’; business driving use to enable personnel to visit more than one military base for duty purposes; and providing cover when personnel are based overseas.”

Defence Secretary Michael Fallon said: “When our Armed Forces are posted overseas to protect our country they can lose out from the discounts the rest of us take for granted.  This is a welcome move from the leading insurers to help them get a fair deal.  I look forward to further pledges from businesses to support the Armed Forces Covenant.”

Trudgill concluded; “The insurance needs of the Armed Forces can be quite complex and require special treatment which is why it is important for military personnel to speak to an insurance broker who really understands their requirements.”




Notes to editors


  • Armed Forces Commitment. BIBA members making this commitment and able to arrange cover for the services as at 25 June. (other members will also have access to insurance companies able to commit to no cancellation charges and retained no claims discounts).  Check Find-A-Broker on 0370 950 1790 or at .
Services Home and Motor Insurance Home cover only
Forces Insurance Ltd

Tel: 01509 283839

Quote Four Ltd.

Branch Number: 01362 698 192
Seaway Insurance Consultants Ltd

Tel: 01803 328 008


Tel:03300 555210


Higos Insurance Services Ltd

Tel:        01749 834 532

Email:    [email protected]


A C Insurance Consultants

Tel: 0115 9455447

Coversure Insurance Services Ltd (Huntingdon)

0800 308 1000

Highworth Insurance Limited

Tel: 01202 937 420

Cherish Insurance Brokers Limited

Tel: 0800 197 2770

Towergate Insurance Direct

Tel: 01242 538417

Motor cover only

Tel: 01473343390



  • For further information please contact:

BIBA press office:

Pam Quinn, Communications Manager

07496 394471

020 7397 0223

[email protected]



  • About the British Insurance Brokers’ Association

The British Insurance Brokers’ Association (BIBA) is the UK’s leading general insurance intermediary organisation representing the interests of insurance brokers, intermediaries and their customers.

BIBA membership includes just under 2,000 regulated firms.

General insurance brokers contribute 1% of GDP to the UK economy and BIBA brokers employ more than 100,000 staff. 54% of all general insurance is sold by an insurance broker and they arrange 79% of all commercial insurance business.

Insurance brokers put the client’s interests first, providing advice, access to suitable insurance protection and risk management.

BIBA helps more than 250,000 people a year to Find-A-Broker, both online and via the telephone.

BIBA is the voice of the industry advising members, the regulators, consumer bodies and other stakeholders on key insurance issues.