Armed Forces Covenant | Things to know and help available

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The Armed Forces Covenant is a promise by the nation ensuring that those who serve or have served in the armed forces, and their families, are treated fairly.

Things to know and help available 

Financial Services

  • Avoid insurance cancellation fees and protect your ‘no claims’ bonus.
  • The Armed Forces Railcard offers your family up to 1/3 off rail fares.
  • Spouses/partners can apply for the Defence Discount Service and AF Rail Card.
  • Joining Forces - 3 credit unions provide savings accounts and loans to the AF and their families.
  • Avoid paying cancellation fees for broadband/media packages when posted overseas or to other parts of UK.



  • Links available to advice on ways to help maintain children’s education.
  • Service Pupil Premium - currently £300 per year for children of Service Personnel (SP) in England.
  • School Admissions Code provides information for children of Service Personnel (SP).
  • You can apply for school places in advance when returning from overseas.
  • Tax-free Childcare available to working families across the UK.



  • Affordable Home Ownership Schemes available through the government.
  • Own Your Own Home provides a range of schemes for Service Personnel (SP).
  • The Joint Service Housing Advice Office provides advice for SP and dependants.


Spousal Employment 

  • A new scheme to support Spousal Employment was announced in September 2018.
  • Defence Relationship Management and MOD’s Partner.
  • Employment Steering Group exploring what more employers can do to support spouses.
  • Department of Work and Pensions have initiatives linked to Jobcentre Plus services for spouses.
  • It’s possible to claim NI credits for time spent accompanying your partner abroad.


BFPO Numbers

  • MOD Enduring Families Free Mail Service (authorised for PJHQ named Ops).
  • All 3 Credit reference agencies recognise BFPO numbers.
  • Families and friends of SP can send packets up to 2 kg, free of charge, to PJHQ named Ops.
  • This service is one-way only from the UK/BFPOs to PJHQ Ops.
  • BFPO numbers can be converted to UK postcodes.



  • NHS for the Armed Forces – find out about healthcare and advice for Service Personnel (SP) and families.
  • Ministry of Defence and Department of Health support services can be found on GOV.UK.
  • Mental Health Support for the AF community available on GOV.UK and NHS Choices.
  • The NHS can also provide mental health support through the Big White Wall.

Who to contact

Armed Forces Covenant

Where to go


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