Forces Mutual Reviews 

The girls were friendly,
Polite, unjudgemental and really easy to work with.

Sally was excellent. Made the whole process simple and answered any questions I asked.

I recently joined Royal London insurance and I was supported by a very friendly and professional advisor, Jennie Lewis. She explained everything clearly and made sure I fully understood my insurance options. It makes such a difference when the person on the other end of the phone is knowledgeable, patient, and genuinely polite.

Thank you, Jennie — I’m very happy and satisfied with the insurance I’ve taken out, and your guidance made the whole process easy and reassuring.

Sophie at forces mutal was so helpful - she looked into my circumstances on an individual level, being very empathetic and giving me as much time as needed. Her solutions has ensured I am no covered in areas I was even unaware of, and potentially saving me £100pcm on a plan which the company was charging me for a dept consolidation plan (Sophie was able to sign post me to one which doesn't). I will always be grateful for her help.

Sophie made the process extremely easy and spoke it in a way I could understand clearly and the whole process was user friendly. The atmosphere was nice and open and I felt I could answer questions honestly. I really appreciated the time spent by Sophie to help me with any question I had

Lynne Dickaty was fantastic. My car renewal quote was given with outdated information held on account (my fault) she quickly updated the system which cut my final payment in half next month. The renewal quote was better then any I found using compare websites. Renewing directly with Forces Mutal is saving me in excess of £600 for the next 12 months cover. Thank you Lynne. :)

We are extremely disappointed with the service or lack of from this company. We made a valid claim that was approved for payout, but since then, it has been a nightmare of misinformation and silence. Every time we call, we are given a different story or told there is a 'technical issue' with the payment. It’s clear they are just fobbing us off in hopes that we stop calling. Avoid this company!

Our experience with Suzanne was fantastic. Her knowledge and expertise were outstanding and immediately put both my partner and me at ease when proceeding with our life insurance plan. Communication was clear and consistent throughout, and everything was completed promptly, exactly as promised. We will definitely be using Forces Mutual again for any future needs.

Sophie Travers the my Advisor was very patient and explain everthing clearly before assisting me to sign up. The questions were clearly explained. This made me feel relaxed knowing that I have given all the relevant information with acuracy.

Website is easy to navigate to get an instant quote and take out a policy. Documents emailed same day.

“Expect a used item as a replacement.”

I’ve held a Forces Mutual policy for years, but when my phone was stolen, the reality of the cover became clear. My claim was fully outsourced to third parties, and I was offered a refurbished/used phone as a replacement — justified only by fine print.

Forces Mutual take no real ownership of the claim and leave you dealing with third-party suppliers they choose. Loyalty counts for nothing once you actually need to claim. This is not the level of service I expected after years of paying premiums, especially from a provider that markets itself to the armed forces community.

For clarity: a “resolution being accepted” does not mean I was satisfied — it means I was worn down by delays and a lack of alternatives.

The core issue remains unchanged and unanswered: when I needed to claim, Forces Mutual outsourced the entire process, took no ownership, and offered a refurbished device as a replacement, relying on fine print rather than fair expectation.

Pointing customers back to renewal documents after the fact does not address the service failure or the mismatch between how this policy is marketed and how claims are handled in reality.

I’m sharing this so others can make an informed decision, not to reopen the case.

Its one of the best insurance companies in the world. Service are very great.

Good recovery and good policy

Excellent insurance, very easy to use web site, highly recommend

Overall from first contact to receiving policy documents I had a fantastic experience. Notably the account handler that took my initial call who gave me five star advice couldn't have done a better job - Thank you Danielle.F

Sophie was really friendly and talked me through the whole process, making it so easier to make sure I get the right cover I need for the price I can afford

Sam was very helpful throughout the entire process providing excellent advice and showing a vast knowledge of her trade.

Jennifer was very thorough and had a good understanding of our situation and the best outcomes for us.