The Armed Forces Covenant explained

Families often approach us with questions about the Armed Forces Covenant – what it is, whether it applies to you and what it can and can’t support you with.

What is the Armed Forces Covenant?

The Armed Forces Covenant is a promise from the nation to ensure that those who serve or have served, and their families, are treated fairly. It is designed to ensure that the Armed Forces community should not face any disadvantage compared to others.

The Armed Forces Covenant applies to all members of the Armed Forces community, including Service families, whether you live in the UK or overseas.

Are businesses subject to the Armed Forces Covenant?

The Armed Forces Covenant seeks to ensure that Armed Forces families are not disadvantaged when dealing with businesses – in particular the financial services and telecoms sectors. 

More than 6,000 organisations have signed it, stating their commitment to its principles.  Some will also have pledged to employ veterans, Service partners or reservists, while others will provide discounts to Service personnel. 

Examples of how businesses who have signed the Armed Forces Covenant can support families:

  • Car insurers holding a no-claims bonus for up to three years if a Service person is stationed overseas.
  • Mobile phone providers allowing families to suspend their contract if deployed overseas. 
  • Broadband and media providers allowing families to cancel contracts without cost when posted overseas, or to another part of the UK not covered by their provider.
  • Mortgage providers not penalising families and allowing them to apply for consent to let on their existing mortgage, rather than changing to a buy-to-let mortgage and incurring fees, as a result of a service move.

We’re here to help

We encourage you to speak to us about any issue you are having regarding the Armed Forces Covenant. Or see our Armed Forces Covenant webpage for more information.



    We’d really like support accessing Dental care. We have recently been posted and aren’t able to get any dental care anywhere without a lengthy wait or pay for private dental which for some, is understand unaffordable. We understand that this is a problem for many, including civilian families but civilian families aren’t at the disadvantage of being posted every 2/4 years and have to find new dentists everywhere they go. By the time we are seen by a dentist, we’ll get a new posting and will have to start the process again and join the end of another waiting list. Ideally, access to military dentists would prevent this issue or perhaps funding to contribute to the cost of private dental for service families in new postings.

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