Terms & Conditions

About SAGIC

The Salvation Army General Insurance Corporation (SAGIC) is a wholly owned subsidiary of The Salvation Army and all our profits go back to support its work. We underwrite the majority of the insurances provided on SAGIC, however, some of the more specialist insurance are provided by other leading insurers.

Our Regulation

SAGIC is a fully regulated insurance company, authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority. FCA Firm reference Number is 202327.

About the FCA and PRA

The Financial Conduct Authority and Prudential Regulation Authority are the UK’s financial regulators. They set out rules and exercises enforcement powers to ensure that regulations are adhered to and consumers are treated fairly. The FCA is funded by its member firms, which it regulates, and not by the government. The PRA is a limited company owned by the Bank of England, you can find out more about FCA by visiting www.fca.org.uk and the PRA by visiting http://www.bankofengland.co.uk/pra

Website – Booking Engines – Logos

All intellectual property, copyright and material contained on this website are owned by SAGIC Limited. Using this site is for the sole purpose of researching and purchasing our products. The use of our logo without prior consent will be deemed as trade infringement and against the trademark laws.

External and Internal Links

The SAGIC.co.uk site includes links to external websites and has links pointing to the site from third parties. These links are to provide the consumer with relevant information and are for marketing purposes.

Call Monitoring & Recording

As part of our continuing effort to ensure you receive the highest service standards, we may monitor and record your call for training purposes.

Statement of Demands and Needs

In choosing any of our products, you have not received any personal recommendations from SAGIC. This product meets the demands and needs of owners or operators of SAGIC who wish to have insurance in place to protect their assets by way of General Insurance as shown in the schedule/proposal that you have selected. The choices you will have made depend on your personal circumstances.

The statement confirmation e-mail certificate shows the product and level of cover you have selected and forms the basis of the insurance contract. It is vitally important that all details on the email certificate are as accurate as possible as any non-disclosure or misrepresentation of a material fact could invalidate all or part of the Insurance contract.

You have a statutory right under Financial Conduct Authority Rules to cancel your policy within 14 days after the later date of the purchase of the contract or the day on which you receive your policy documentation. If you wish to exercise your right of cancellation, please telephone our office. All policies cancelled within the 14-day cooling period are entitled to a full refund on any premium paid. If you wish to cancel your policy after the 14-day cooling off period a charge may be made for your insurance based on the period of cover and our appropriate fee as disclosed in our terms of business document.

Offering Advice

SAGIC does not offer advice or make recommendations with regards to the cover that consumers purchase. The aim of our service is to ask questions to determine which policy is the right one for the consumer. However, the choice of policy is down to the customer.

Financial Services Compensation Scheme

The Financial Services Compensation Scheme works alongside the Financial Conduct Authority. This is a compensation fund that is designed to protect the consumer against financial losses. The fund is designed to pay out compensation to the consumer if the company is unable to pay out on a claim due to insolvency or because it has ceased trading. To learn more about the FSCS visit www.fscs.org.uk.

Your Policy

To ensure you get the right level of cover you need consider your needs and which product best meets those needs. All information relating to your quotation, level of cover, and our terms and conditions are made available via the website and through policy summaries. When you purchase a policy from SAGIC you have the right to cancel within 14 days of receipt of your policy documents.

Complaints

How do I complain? SAGIC aims to provide you with a first class service and is committed to providing you with an excellent claims handling service. If, however, there is an occasion when you feel you have not received the service you expect, please contact SAGIC so that the problem can be satisfactorily resolved. If you have any disability that makes communication difficult, please inform SAGIC for help. In the first instance please address your correspondence to SAGIC, 191 High Road, Benfleet, Essex SS7 5HY. Telephone number: 0300 030 1865.

SAGIC has internal complaints handling procedures which you can ask to see. Please supply your name, address, schedule reference number and where possible enclose copies of relevant correspondence as this will help to deal with your concern in the shortest possible time. Further details will be provided at the appropriate stage of the complaints process. This complaints procedure does not affect your right to take legal action.

Data Protection Act

To set up and administer your policy, insurers will hold and use personal information which you supply. It may be sent in confidence for processing to other companies (or companies acting on instructions), including those located outside the European Economic Area.

Booking Online

Bookings through SAGIC websites are deemed to be made when validated on the website. Bookings made by telephone are deemed to be made when confirmed by a SAGIC call centre operator.

Payment

Payment for a policy is made via credit or debit card using WorldPay. You can choose to pay monthly or annually. All prices are quoted in pounds Sterling and include IPT (Insurance Premium Tax).

This policy will last for 12 months from the policy start date shown on your insurance schedule. This is an annual policy with monthly and annual payment options. You can pay by credit card or direct debit. If you do not make the monthly or annual payment when it is due your insurance will be terminated.

Auto Renewal

If you choose the monthly payment option, the policy is provided on an ‘auto renew’ basis which means that we will automatically renew your policy at the end of your cover period for a further 12 months using the payment details that you have provided, unless you tell us not to. We will email you at least three weeks before your renewal date advising you of your renewal terms.

What if my card is refused?

Cards are not refused by SAGIC but by your bank or card issuer. There could be many reasons this may happen and we suggest you contact your card issuer in the first instance if you incur a problem with your payment being declined.

Can I have a receipt?

Yes. You will receive a confirmation of your payment on your screen after you make the payment. This will display your unique transaction number. You will also receive an email confirming the payment has been successful. If you make a booking over the telephone, our customer service team will provide the information once the transaction has been authorised. You will also receive an email confirmation.

I’ve paid the wrong amount – can I have a refund?

If you have overpaid your account please telephone our Customer Service team on 0300 030 1865 or email customerservices@sagic.co.uk.

Cooling Off Period

The policy contains a cooling off period, which allows you to return it and obtain a full refund if you have a reason to be dissatisfied with the cover provided, providing that this is done within 14 days from the date of issue and the policy has not been used and is not subject to a possible claim.

Cancellation

You have a right to cancel your transaction/policy with 14 days of the receipt of your documentation. To cancel your policy please call our Customer Service team on 0300 030 1865 or email customerservices@sagic.co.uk.