Military Vehicle Insurance
Finding great military vehicle insurance can be tricky and frustrating, our team can use their knowledge of the ins and outs of insurance for military vehicles, to ensure you get the coverage you need for your vehicle, at the right price. With our experience in finding our clients army car insurance that suits their needs, we can advise on the perfect protection for you too.
We’re Military Vehicle Insurance Experts
Here at 1st Choice, we know that forces car insurance is not your average motor vehicle policy, and we know that military vehicle ownership can be filled with difficulty when it comes to registration and usage. We also know that militaria collectors and enthusiasts can be very passionate about their vehicles, especially when they have invested so much time and money in sourcing or restoring their military vehicle. So, whether you own an Ex-Military Land Rover, a Foxhound, a Panther or even a Tank, our specialist team is here to help you find great military vehicle insurance.
Our award-winning team will be able to advise you on the forces car insurance protection options that are available to you, from both the well-known brands and specialist insurers. As with all insurance policies, it is important to thoroughly check your military car insurance policy wording to make sure that it is suitable for all your requirements.
Benefits of Comprehensive Military Vehicle Insurance
Comprehensive is the safest insurance for military vehicles and usually the most thorough coverage you can find. We usually recommend this level of protection for all military vehicles, as more often than not military vehicles are also high value or rare classic finds. It also includes third party, fire & theft and will normally include the cost of repairing or replacing your vehicle if it’s damaged maliciously or if you’re involved in an accident. Comprehensive army car insurance often includes other benefits, such as windscreen cover, breakdown, extended coverage for driving abroad, and even a courtesy car if your vehicle is in for repairs. Plus, you can add extra cover for things like off-roading or attending rallies and shows.
It’s also important to remember that without valid military vehicle insurance, you could face fines or a driving ban if you’re caught, not to mention that if you’re in an accident you could lose your vehicle altogether. The only time that army car insurance is not required is if your vehicle is registered as off-road with a Statutory Off-Road Notice (SORN) and even then, it is wise to take up ‘off road’ cover to protect your military vehicle whilst it’s being stored.
Valuing Your Military Vehicle
We would usually recommend a ‘guaranteed value policy’ also known as ‘agreed value’, as the most appropriate insurance for military vehicles, as opposed to the more commonly used market value. It’s common for owners of modified, rare, classic, or high value vehicles to go for an agreed value policy as in the event of a total loss, it would pay out a pre-arranged sum that was agreed at the inception, rather than whatever the market price is at the time. You’re likely to be required to obtain a valuation certificate from an independent expert to confirm the vehicle’s value.
Establishing the true value of any military vehicle can be complicated! If it’s an unusual or a particularly old vehicle and parts are either hard to source or very expensive, the cost of repair or replacing with specific parts can be rather high. All modifications to your vehicle, including alternative replacement parts (where original parts were not available), should be disclosed to the insurer otherwise you risk invalidating your cover, it could be the difference between a pay-out, or huge loss. Which is another reason why getting an agreed valuation is usually the better option, rather than relying on an unpredictable market price.
It’s common for military car insurance providers to request photographs of your vehicle (exterior, interior and even the engine). It’s also recommended that you keep copies of any receipts from any modification parts and work, because they can be used to help verify your vehicle’s value.
Get Insurance for Military Vehicles Today
Whatever your requirements for your military vehicle insurance, 1st Choice offers excellent customer service and is here to help you find what you need. We offer quick quotations, competitive pricing, instant coverage, and all your car insurance for military vehicles documentation straight into your inbox. We will also explain any optional or extra costs to you, to ensure you have the full facts before taking out the policy. Not only this, but over 95% of our clients rate our customer service as ‘Excellent’ on REVIEWS.io. There is no wonder clients return to us for their commercial insurance year after year!
Our team believes that everyone deserves a great military car insurance policy, which is why we try to find the most appropriate coverage for you whilst offering great value for money. Call us today on 01743 770 500 for a no obligation military vehicle insurance quote or just complete our Get a Quote Form to request a call back.