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When living in Service Family Accommodation (SFA), you will need to insure your home.

 

Standard home liability insurance does not cover Service family accommodation (SFA).

 

The Ministry of Defence recommends (JSP 464, Volume 1, Part 1, Section I, Paragraph 0605) that you take out a specialist type of insurance that covers your liability, up to £20,000, for any damage you or your family may do to your Service family accommodation. This is called ‘Licence to Occupy’ insurance.

 

The Services Insurance and Investment Advisory Panel (SIIAP) provides details of insurance providers who can ensure that you have the necessary ‘Licence to Occupy’ cover.

 

You may also wish to take out home contents insurance.

 

Posted on: 3rd May, 2018

Before choosing any kind of insurance, you may want to seek advice from your unit administrative staff, and also check the Services Insurance and Investment Advisory Panel (SIIAP).

 

SIIAP is a panel that is recognised by the Ministry of Defence. It is made up of individuals and firms who are insurance and independent financial advisers specialising in providing services to members of HM Forces.

 

All Member Firms must be authorised and regulated by the Financial Conduct Authority (FCA) in the UK, offer compensation rights to customers and adhere to the SIIAP Code of Practice.

 

Finding the right insurance company

SIIAP’s members directory can help you find an insurance company according to your location and/or the type of insurance required.

 

Posted on: 29th April, 2016
Updated on: 18th March, 2019