When you live in SFA you should ensure that you have adequate insurance. In addition to arranging contents insurance to protect your personal possessions, the MOD strongly recommends (in accordance with JSP 464) to take out ‘Licence to occupy’ insurance. This specialist insurance covers your potential liability incurred as a result of damage SFA caused by you or your family and would provide you with cover up to the required £20,000. 

The Services Insurance and Investment Advisory Panel (SIIAP) website provides full details of insurers who provide this service. If you already have Kit insurance with one of these specialist providers, it may be worth checking if you are already covered with licence to occupy insurance.