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An ever increasing number of military servicemen and officers are taking up army kit insurance cover. Before the advent of such army kit insurance cover, military life for many soldiers was fraught with unspoken anxiety, as one had to live with the knowledge of the fact that they were fully responsible for their army kit, and would have to pay for it were it to get lost or damaged in one way or another. This was an anxiety-inducing thought, as the cost of army kit can be rather high, often running into thousands of pounds (think several months’ pay) for the whole kit.
Then came army kit insurance. By taking up such army kit insurance, a soldier can live with the peace of mind of knowing that they are covered (at least financially speaking) in the event of their losing their army kit in one way or another. Army kit insurance is one of the specialized military insurance products, alongside military life insurance and personal accident insurance cover (also referred to as pa insurance) which were greeted with the most enthusiasm by both servicemen and officers in all branches of the military. The enthusiasm with which military insurance products like military life insurance like army kit insurance and pa insurance covers were met with led to the growth of specialized military insurance providers like Abacus, which was among the pioneers. Today, as more and more companies offering military insurance products spring up, many soldiers are finding themselves spoilt for choice on which provider to opt for, and what criteria to use in sorting through the various products on offer, as they all look so similar. Here then are three important factors to consider, when you are shopping for army kit insurance.
1. The cost structure of the cover: Taking any form of insurance cover is seen as a serious financial commitment, and military insurance is no exception. You need to carefully consider the cost of the army kit insurance cover you are taking, and see how that fits into your overall budget. You also need to ensure that the premiums you pay for your army kit insurance cover compare favorably with the benefits you stand to get in the event of your losing or having your army kit damaged. Of course, don’t approach your army kit insurance cover shopping with cost as the only shopping criteria as such an approach often blinds you to other important factors. Simply put, the cheapest is not always the best, though cost is still an important consideration. In looking at the cost, you will also need to consider other elements that are not explicitly mentioned, like annual fees for example. Some army kit insurance providers charge such fees (in addition to the normal premiums) whereas others don’t charge such fees. You need to look at such fees as implicit costs, as they still have to be paid for ultimately.
2. The benefit-structure of the cover: Alongside the cost structure of the army kit insurance product you are considering taking up, you also need to consider its benefit-structure. This often involves combing through the fine print carefully, looking for catches. Some of the questions you might ask include whether the army kit insurance cover only covers for lost army kit – or whether it also includes damaged military kit for example. You might also want to know whether the army kit insurance comes with worldwide coverage – or whether the coverage is only local (keeping in mind the ever-present possibility of being called up overseas duty).
3. The product provider: You also need to carefully examine (and compare) military insurance providers providing army kit insurance before committing yourself to one. Some of the things to look at in an army kit insurance provider include their experience (you might, for example consider going for an experienced army kit insurance provider like Abacus, or opt for the relatively newer, less experienced providers), the track record of the army kit insurance provider, and of course the financial stability of the insurance provider you are considering committing yourself to. You might also consider looking at what other products (besides army kit insurance) they offer, and how these other products might appeal to you. As it were, it is often better to get all your military insurance products from one insurer, as they often given great ‘discounts’ for multiple purchases. A company like Abacus for example, offers army kit insurance at greatly reduced rates if it taken alongside personal accident insurance (pa insurance) cover.
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Article author: David Rashid
Oliver, a 23-year-old soldier was outraged when he realized how much he would have to part with in order to replace kit that had been damaged during routine training exercises. “There was no way I could afford to replace the army kit and feed my family”. Luckily, Oliver had extensive army kit insurance.
When you are out in the field, the last thing you want to worry about is the cost of replacing costly army kit. Insurance companies are starting to understand the value of a comprehensive insurance plan for soldiers and military personnel who are forced to sign for responsibility for costly equipment they cannot afford to replace. This is where a good insurance plan can give immense peace of mind.
Standard issue army kits around the world
There are some common elements to the different army kits around the world; they are all a mixture of costly equipment to keep you safe. Weapons, bulletproof clothing and even survival basics are all items that can be an expensive ordeal to replace.
Standard issue army kits can cost hundreds or even thousands of dollars and considering the high-risk situations you might find yourself in, it can be exceptionally difficult to go your entire army career without having to replace various items in your army kit. Insurance is often seen as an optional extra, but in truth, the potential long run savings outweigh the small monthly costs to keep your army insurance up to date.
There are many other kinds of insurance plans that are essential for a soldier on active duty. There is little argument about the importance of a good life insurance plan. Because of the high risk factor in general army life, you will need an insurance plan that pays out generously. You will need to work out your monthly budget carefully before adding any extra insurance to your expenses. Once you have calculated what you can comfortably afford, make an appointment for a free consultation with a reputable insurance company.
Insurance scams are rife, and nothing can be worse than forking out a substantial sum every month, only to find that due to small print, there is little or no real coverage when you need it most. Spot insurance scams by paying careful attention to the attitude of the insurance agent. If you are feeling great pressure to sign off quickly, it’s likely that something is amiss.
About Abacus insurance:
Abacus insurance has been providing comprehensive military kit insurance since 1988. We take military insurance seriously and aim to provide the best military kit insurance, and military life insurance plans to suit your needs. If you have any needs specific to army insurance, abacus has you covered! It was thanks to the comprehensive insurance plan from Abacus; Oliver was able to replace his army kit immediately.
You are a good husband, father and son to the different people in your life, it’s time to be a good soldier and organize a comprehensive army kit insurance plan for yourself.
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Abacus or
Military Life Insurance please visit this links and you will find one of the best
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Article author: Fabiola Groshan
The online army surplus shops provide us with complete information about a wide range of Army Surplus products, like Army Surplus clothing, various Camping Equipments and other Army Surplus and also the Military Surplus goods. It even gives detailed information about various accessories that includes Army Surplus Trousers, Jackets, Headwear and Footwear including Badges and Lanyards. They also have products of some the largest brand names such as Gelert and Camelbak, which sell Army Surplus goods. More or less any item that is related to army, military requirements can be found by referring to these sites but in case in case any item is not missing, the customer can order online. It will definitely source the desired products. This is one of the most popular sites for military products in UK.
This site basically helps in the retail of the products launched by Army Surplus shops. It enables the customers to view the prices and pictures of the products or items offered by Army Surplus competitors. In other words, this site is like a retail store of UK and is easily navigable. Like under the category clothing there are three hundred and eleven types of clothes found in this retail store. These sites promote and retail different types of products. Like it is the same military clothing but is presented with a difference, which attracts people. In the clothing section we come across thirty-three kinds of trendy jackets, several trousers and Shirts/T-Shirts. You shall find some excellent vests thermal/base and eighteen Layer Fleeces. And also a category known as the forces united clothing, this is a typical military dress but very attractive and stylish. Each and every type of clothing is very carefully made and it is ensured that it should fulfill the requirements of the user.
All items of the army surplus shop, UK will definitely have a grade quality assigned on them. This enables the user to know whether the products are true surplus items or some kind of brand new items. Grade 1 items may be vary from average to high quality and is useful for everyday wear. But they are cheaper than super grade items and again much cheaper compared to the new items. Super Grade items are of a considerably high standard and may have been issued but they are not used. Again they are cheaper than new items.
Safety and Security is the main purpose of the military, so army surplus shop has another type of clothing known as the ‘security wear’. Anyone who visits this retail store can choose from a wide range of ‘security wear’ clothes. One can go through the different types of footwear and for kids too they have come with a cute but wide range (twenty one types) of kids wear. The armed forces have to face harsh climate quite often and it is advisable to be well equipped all the time while in a war with enemies or with the nature. So army surplus introduces a wide range of products called the Wet Weather Gear, it includes twenty-five different kinds of safety equipments.
Army Surplus is one of the cheapest online shop, it’s Accessories from Combat Trousers, Military Jackets and Footwear right through to Military Badges and Lanyards, we even have some large Army Surplus brand names stocked such as Gelert and Camelbak amongst other Army Surplus suppliers. For more information visit us at- http://www.army-surplus.org.uk
Article author: Hugh Watson
