Hi Guys, I wanted to pick your brains regarding Kit Insurance. I am a debt advisor for an organisation who deal only with military personnel (You may have seen our advert in Soldier Magazine, Sixth Sense and others). Recently I have had creditors refusing to accept allowances for Kit Insurance when i am negotiating reduced payments for my clients albeit it for an IVA or Debt Management Plan. The route I have been forced to take has been by obtaining a letter from the soldier in question's UWO, RAO or CO saying this is a necessary requirement. However soldiers understandably don't want their CO knowing they have a debt problem, and unless I have a direct referral from a UWO, it is a route I cannot take. I have scanned Queen's Regs searching for a directive but have come up short. I wonder if anyone out there can give me a few pointers as to how I can put this issue to bed once and for all and get the service men and women the cover they deserve, whilst keeping their creditors happy that Kit Insurance not an extravagant expense which can be ignored for their own gain. What I am looking for is something official confirming Kit Insurance is a requirement. Thank you in advance for your help.