The spread of Coronavirus is unprecedented in modern times and we understand this is an incredibly difficult time for families and businesses.

If you have any queries regarding the cover under your policy that are not answered by the information provided below then please contact the broker who issued your policy or if issued by SAGIC direct then please email

Given the current circumstance, we are currently receiving a high volume of queries and will look to respond as soon as possible, however, there may be delays in replying to enquiries, therefore, please accept our apologies for this.

Following the recent developments in the Government’s response to the pandemic and with a ‘lock down’ now imposed in England we feel it is best to give you some more long-term guidance which is as flexible as possible given the ever-changing situation.

We would at all time recommend you follow Government guidelines; further information is available at:-

For all existing SAGIC policies any restrictions relating to a building being closed or unoccupied will not apply if the reason for this is related to government restrictions. We would ask you in all cases to adhere to the following guidelines regarding management of unoccupied or unused properties:-

The water supplies are turned off at the mains (and all water tanks, pipes and apparatus are drained) unless required to operate an automatically operated central heating system used to maintain a minimum temperature of 58°F (15°C) at all times, and all external doors and all windows are securely locked, and all physical devices for securing and preventing access to the building are put into effect upon leaving the building, and your building is visited by a responsible adult every 7 days, and a log is kept of these visits.

The above will apply from now until the 31st March 2021 at which point a further update will follow. Hopefully this will provide some reassurance whilst also ensuring the premises remains as safe and secure as possible.

As required by the FCA SAGIC have carried out a review of all relevant policy wordings which include Non-Damage Business Interruption cover.

We have reviewed these wording in respect of the test case currently being presented in court and can confirm that the cover provided by SAGIC policies will not be affected by the test case outcomes.

This means that all previous advice given in relation to claims and complaints has not changed and the information provided by our Covid-19 FAQ section has not been altered.

For further information on the FCA Test Cases please click here

The Financial Ombudsman Service has also published information which you may find helpful in relation to Business Interruption Claims click here

If you have recently contacted SAGIC specifically regarding a claim or complaint we will be in contact separately to this update.

For further information and to assist in answering queries specifically relating to cover providedby SAGIC’s insurance policies please see our Frequently Asked Questions.

Page Last Updated: 9th November 2020