Military Vehicle Insurance designed for Military Enthusiasts
As an owner of a military vehicle whether, more usually, an Ex-Military Land Rover or perhaps something more heavy duty, such as an armoured personnel carrier or Chieftain tank, we understand that your insurance requirements will differ widely depending on the specific use of your vehicle. Whilst a Field Ambulance or Willys Jeep will likely require road use we would not anticipate the same cover for most tracked vehicles such as an Alvis Stormer or indeed a Russian T-72 tank.
Owners and collectors of Ex-Military vehicles will be only too aware that, when it comes to finding an insurance policy for their beloved vehicle, they need the assurance to speaking to a specialist Military Insurance broker such as Peter Best.
At Peter Best we work closely with our select panel of Military Insurance providers offering unique policy cover protecting you and your Military Vehicle. With over 35 years’ experience insuring specialist vehicles such as ex-MOD vehicles from the Army, Navy, Marines, RAF, Special Forces or Reserves, EU, United States and Eastern Bloc Imported Vehicles, also catering for Daimler reconnaissance scout cars (Dingo’s and Ferrets) and a host of Military armoured combat and transport vehicles, we know how important it is that your Military insurance policy exactly matches your requirements.
Ex-Military Vehicle Policy Benefits
With such an array of Ex-Military vehicles, our standard policy features cover a wide range of benefits encompassing the specific needs of the military vehicle owner.
Free Agreed Value – subject to receiving photographs and documentation we will agree the correct value of your military vehicle, so you receive the true value in the event of a total loss claim (less any policy excess).
Club Member Discounts – For MVT and bona fide Military Vehicle Club members we offer a discount on your Military vehicle insurance premium
Accessory Cover – Accessories, such as winches etc, are included in your cover provided that they are permanently fixed to the vehicle
Show and Event Cover – Attend enthusiast shows and events with the peace-of-mind of knowing your vehicle is covered
Dismantled Parts Cover – Military Vehicle parts kept either in your home or locked garage at your home address are covered under the policy
Cover for drivers age 21-70 – Those under 25 must be a member of the Military Vehicle Trust
Cover for Left Hand Drive Vehicles – Appropriate experience may be required
Cover for Vehicles not registered with the DVLA –We can cover your vehicle if it is Laid up and SORN. Third Party liability may be offered in some limited situations, such as use on private land and loading on/off vehicle at acceptable organised events.
Free Legal Cover – this covers your legal expenses for any legal action you may take as the result of an accident.
Limited Mileage Options – Depending on what motorised vehicle you own, discounts may be applied for reduced mileages. We understand many ex-military vehicles will have very limited road use, some none at all.
Modifications – If your Military Vehicle has modifications on a ‘like for like’ basis that are appropriate to the vehicle these can be included
Multi-Vehicle Discounts – For enthusiasts that own two or more vehicles, discounts and multi-vehicle policies may be offered (always subject to meeting insurer’s criteria)
Salvage Retention Rights – if, in the event of a total loss on your Military Vehicle (provided the vehicle can be repaired under legal guidelines), we will permit you to keep the vehicle as part of the claim settlement. Such claims will be settled, less any excess and the salvage value of the vehicle as deemed by the insurer.
Uninsured loss recovery for non-fault claims – recover money you have paid out following an accident that was not your fault.
Windsceen Cover – Glass cover up to £500 per policy year
Roadside Assistance and Recovery – Subject to vehicle, breakdown cover may be offered as an optional ‘add-on’
Discounts for Military Vehicle Enthusiasts
Members of the Military Vehicle Trust www.mvt.org.uk will receive a membership discount on all of our Military Vehicle insurance policies with further savings on multi-vehicle policies, subject to insurers accepted criteria.
With limited mileage and laid up options we offer competitive premiums, taking into consideration the age of the vehicle, your driving experience, length of ownership and any security devices fitted to your Military vehicle.
Call our dedicated team on 01376 574000 for a competitive quote on your military vehicle.
Cover for Ex-Military Vehicles
Subject to our specialist Ex-Military and Ex-Mod Vehicle insurers approval we offer bespoke Military Insurance cover for the following vehicles:-
4x4, 6x6, 8x8 Tracked vehicles
Alvis Scorpion reconnaissance vehicle
Amphibious Vehicles-land cover only
Armoured Personnel Carriers
Armoured Cars
Bedford Green Goddess
Chieftain Tank
Daimler Armoured Car
Daimler Ferret armoured car
EU, United States and Eastern Bloc Imported Vehicles
Ex-Military Lorries & Transporters
Ex-MOD Series 1 Land Rover
Ex-MOD Vehicles from the Army, Navy, Marines, RAF, Special Forces or Reserves
Ex-SAS ‘Pink Panther’ Land Rover
Field Guns (Artillery Guns)*
Field Ambulances
Fire Engines
Ex-Military Jeep
Land Rover 101 Forward Control Field Ambulance
Limbers*
Missile Launchers*
Personnel Carriers*
Q-Plated Vehicles
T-34 Soviet tank
Trailers*
Willys Jeep
*Subject to motor cover being in place
Peter Best Ex-Military Vehicle Insurance FAQs
Ex-military vehicle insurance covers third party liability and may include protection for fire, theft and accidental damage depending on the level selected. Because these vehicles often differ from standard road vehicles in design, weight or usage, policies are structured to reflect their specialist nature.
Peter Best Insurance Services can arrange cover that takes into account how the vehicle has been converted, maintained and used on the road.
An ex-military vehicle is generally a vehicle that was originally manufactured for use by the armed forces and has subsequently been released for civilian ownership. To be considered an ex-military vehicle for specialist insurance purposes, it will often retain its original military appearance, including army paintwork, colours, markings, or military specification features, rather than having been extensively converted into a standard civilian vehicle.
Examples of ex-military vehicles can include military trucks, Land Rovers, 6x6 vehicles, Green Goddess fire engines, armoured personnel carriers (APCs), and even tracked vehicles where these are legally owned and used in accordance with applicable regulations. Insurers will typically assess factors such as the vehicle's age, condition, modifications, usage, and road registration status when determining eligibility for cover.
Peter Best Insurance specialises in arranging cover for a wide range of ex-military vehicles, including 6x6 vehicles, APCs, tracked vehicles, Green Goddesses, and other specialist military vehicles, subject to underwriting criteria and the vehicle's intended use.
Ex-military vehicles can usually be insured for road use once they are correctly registered and meet legal requirements. This includes compliance with DVLA standards and any necessary modifications for civilian driving. Insurers will review the vehicle’s condition and specification before offering cover.
Insurance costs vary depending on the vehicle’s size, usage, condition and any modifications made for civilian use. Some vehicles may present higher risk due to their build or limited parts availability, while others may benefit from limited mileage use. Each case is assessed individually.
Some policies allow regular use, but many ex-military vehicles are insured for occasional or leisure driving. Insurers will assess how the vehicle is used and may apply mileage or usage restrictions. It is important that the policy reflects actual usage to ensure cover remains valid.
Breakdown cover is not always included as standard and may depend on the policy selected. Given the age and mechanical nature of many ex-military vehicles, recovery support can be particularly useful.
Peter Best Insurance Services can arrange breakdown cover alongside your insurance policy where required.
Any modifications made to convert an ex-military vehicle for civilian use must be declared. This may include changes to lighting, seating, bodywork or mechanical components. Insurers rely on accurate information to assess risk and confirm appropriate cover.
Agreed value cover may be available where the vehicle’s condition, rarity or restoration work makes standard market valuation less appropriate. This allows a fixed value to be set in advance.
Peter Best Insurance Services can help arrange agreed value policies where supporting evidence is available.
Storage is an important factor, particularly for larger or specialist vehicles that may be more visible or harder to secure. Insurers often consider where the vehicle is kept when not in use, such as private land, secure compounds or garages. This can influence both eligibility and premium.
Ex-military vehicle insurance is suited to owners who maintain or collect vehicles originally designed for military use. These policies are designed to reflect non-standard construction and specialist ownership.
Where vehicles fall outside typical insurance categories, Peter Best Insurance Services can arrange cover that aligns with their unique characteristics.
