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Army MoD Compensation - Sport

Forces Financial

Forces Financial Works closely with the Army to deliver tailored insurance and banking services to military personnel.

Forces Financial is delighted to support the work of the Army Hockey Association and looks forward to providing intelligent financial solutions for Association members.

MoD Compensation - Sport

As you will all be aware, it has recently been announced that there have been some significant changes in the MoD compensation scheme, which will affect all Service Personnel who participate in sporting activities.

It now states ‘If Service personnel are injured through the fault of another Service person who is on duty, then they can claim compensation under common law from MoD. However, if they are injured through the fault of another Service person who is OFF duty, or by anyone else (e.g. a civilian player) then they would have to claim compensation under common law from that other person, not MoD. There may also be occasions when Service personnel are injured in an accident which is not the fault of any other person (a "pure accident"), in which case they cannot claim compensation under common law from anyone.’

The MoD is recommending that Service personnel have their own Personal Accident insurance in place to ensure they have access to some financial recompense.

Because you never know what is going to happen, it is common sense to protect yourself against the consequences of accidental bodily injury, especially when you participate in sporting activities. Forces Financial provide a Personal Accident policy that, in addition to standard policy features, can be upgraded to include Super Cover which provides all sportsmen and women with not only peace of mind but adequate accidental cover. An additional benefit of the policy is that it provides cover for nuclear, biological and chemical warfare and terrorism, the latter being a potential risk that unfortunately now has to be considered at major sporting events.

Forces Financial offers 15 levels of cover ranging from £10,000 to £150,000, with monthly premiums from £1.88 including Super Cover. All levels provide cover for permanent total disablement, permanent injury, such as loss of sight, hearing or limb and much more. The full details of cover can be found within the policy wording.

The MoD have also raised the issue of Personal Liability, stating ‘If Service personnel on duty cause injury to another person (be that a Service person or anyone else) then MoD will pay any compensation which may be due under common law. However, if Service personnel are off duty the payment of any common law compensation is their own responsibility and MoD recommends that they should have their own personal liability insurance policy to cover such a risk.’

Personal Liability is automatically provided to all Kit and Contents customers of Forces Financial to the value of £1,000,000.

If you require more information or a quote for Personal Accident or Kit insurance you can either call Freephone 00800 76 76 77 77 or go on line

Forces Financial is a trading name of Stuart Harvey Insurance Brokers Ltd, who is authorised and regulated
by the Financial Services Authority. Registration Number 301858. Registered Office: Globe House, 24 Turret
Lane, Ipswich, Suffolk IP4 1DL. Registered in England Number 4224318.


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