Occupants of Service Families Accommodation (SFA) are strongly advised to obtain adequate insurance to cover them in the event of any serious damage to their property.
As a reminder, JSP464 Volume 1 states:
- 0605. Insurance. Licensees are strongly recommended to arrange insurance for:
- a. Their potential liability to DIO Accommodation up to a maximum of £20,000. As personnel occupy Service Family Accommodation & Substitute Service Family Accommodation under a Service Licence to Occupy agreement (known as a Licence to Occupy) they are not classed as a tenant and, therefore, standard home insurance policies do not cover the potential liability. The Services Insurance & Investment Advisory Panel (SIIAP) has provided a web page detailing a number of insurance providers who can organise policies that have been designed specifically for SFA occupants. The web page can be found at www.siiap.org/l2o or here for the SIIAP home page www.siiap.org/home.
- b. Their personal property and that of any spouse/civil partner or child(ren).
- c. Their liability to third parties in respect to injury to them and damage to their property.
In addition, your SFA licence to occupy states:
- 7. INSURANCE 7.1 To cover Your legal liabilities, You are strongly advised to arrange insurance for:
- 7.1.1 Your liability to Us up to at least the sum advised currently by the MOD.
- 7.1.2 Your personal property and that of any spouse/civil partner or child; and 7.1.3 Your liability to third parties in respect of injury to them and damage to their property.
- 7.2 Although We strongly advise You to obtain insurance to cover Your liability to Us for the sum advised currently by the MOD. We may bring claims against You whether or not you are covered by insurance.
Please make sure you are covered - http://siiap.org/.
Finally, there is some useful, common-sense advice here on looking after your SFA this winter (including what to do if you are going away).