In addition to the discretionary protection, we also arrange insurance contracts with Builders Direct S.A., a European company authorised to operate in the UK and rated A- (Excellent) by A.M. Best for its financial strength. The purpose of this insurance protection is to provide you with contractual insurance rights alongside your discretionary cover. Members of The Military Mutual therefore have two layers of protection within their cover for increased security and peace of mind. For cover incepted or renewed prior to 1st February 2019 this extra insurance protection was provided on an individual basis.