Military personal accident insurance is one of the most important forms of protection you will ever need. Our policy provides high quality cover and can be tailored to suit you.


  • Full cover on and off duty.

  • Total and partial disablement.

  • Loss of limbs, toes and fingers.

  • Loss of eyesight, speech and hearing.

  • Fractures of vertebrae, pelvis, legs and arms.

  • Cover for flesh wounds and facial scarring.

  • Hospitalisation and rehabilitation benefit.

  • All sports and activities included.

  • All sports and activities included.

  • No standard excess on our personal accident policy.


  • No charge for changes to your policy.

  • No charges for new policy documentation.

  • No charges for cancellation of your policy.

  • All occupations covered at the same cost.


  • Intentional self injury.

  • An insured person’s criminal acts.

  • An injured person engaging in any sport on a professional basis.

  • An insured person while under the influence or affected by alcohol or drugs.


Hazardous Activities and Occupations

Our military personal accident insurance covers all trades and occupations in HM Forces with no exceptions or changes in premium. Bomb disposal, fast jet pilots, and special services personnel all pay exactly the same premium as other military personnel. Our policy covers all sports and activities.

Serious Accidents and Disablement

If you have an accident, we will pay out up to £160,000 based on the nature of your injuries. The full amount will be paid if you suffer from permanent total disablement, loss of use of two limbs, loss of eyesight, hearing or speech.

Death benefit

Our military personal accident insurance includes cover for accidental death – if anything should happen to you your family will receive a benefit of up to £10,000.

Recovery Benefit

If you or your family are in hospital for more than 5 days, we will provide a cash sum and also pay a benefit for your period of convalescence or recovery.

Levels of Cover

There are four levels of our military personal accident insurance cover; Economy, Standard, Elite and Supreme. These provide from £50,000 up to £160,000 of cover. You can choose whichever level you require and change the cover at anytime

What if I am medically discharged?

If you have been medically discharged as a result of an accident, we will pay you a cash lump sum of up to £16,000. That accident could happen anywhere – at home, on the roads, on military duty, on the sports field or in the gymnasium.

What happens if I leave the forces?

We provide cover for all members of the military community. If you leave the Forces you can still continue your personal accident cover. Please call us to discuss your options – 01748 831900.


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Contact Us

Unit 6, IPS Innovate, Chartermark Way, Colburn Business Park, North Yorkshire, DL9 4QJ

T:01748 831900


Genesis Protection Services Ltd is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 800676.

Registered in England and Wales number: 11100494. Registered office address: Thornborough Hall, Moor Road, Leyburn, DL8 5AB