Terms & Conditions

SAGIC Ltd

All intellectual property, copyright and material contained on this website is owned by SAGIC a trading name of Salvation Army General Insurance Corporation. Using this site is for the sole purpose of research on our products and purchasing our products. The use of our logo without prior consent will be deemed as trade infringement and against the trademark laws.

Regulation

SAGIC a trading name of Salvation Army General Insurance Corporation who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Reg. No: 202327). Our registered office is Faith House, 23-24 Lovat Lane, London, EC3R 8EB (Reg. No: 101071 England & Wales). To contact us you can call: 0300 030 1865 or email us at customerservices@sagic.co.uk.

About the FCA

The Financial Conduct Authority is the UK’s financial regulator, which sets 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. You can find out more about the FCA by visiting www.fca.org.uk

Our Service

SAGIC act as an Independent Intermediary on behalf of its customers and only offer Insurer’s products whom we have sourced as competitive within the market. We do not offer advice or make recommendations with regards to the cover that consumers or businesses should take out. The aim of our service is to ask questions to identify their specific needs so that we can then match them to a policy that meets the needs of the consumer or business.

However, the choice of policy is down to the individual or organisation on how they wish to proceed. We will give you full details of any such arrangements before you make any commitment on any product.

Your Duty to Disclosure

It is your responsibility to provide complete and accurate information to us and Insurers when you take out an insurance policy, throughout the life of the policy and when you renew, vary or amend your insurance. Failure to do so, or any inaccuracies in information given, could result in your insurance being invalid or cover not operating fully. If a form is completed on your behalf, you should check that the answers shown to all questions are true and accurate before signing the document. You are advised to keep copies of any correspondence you send to us or direct to your Insurer.

Consumer Disclosure – Consumers are customers who are ‘not’ acting for the purposes relating to a trade, business or profession. It is important that you ensure all statements you make on Proposal Forms, Claim Forms and other documents are true, full and accurate.
Commercial Disclosure – Commercial customers are customers who are acting for the purposes relating to their trade, business or profession. You have a duty to disclose all material facts that are known or ought to be known by the policyholder’s senior management, or those responsible for arranging the insurance. This allows us to provide the Insurer with a fair presentation of all material circumstances so that they can determine whether to take the risk and, if so, on what terms.

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

External and internal links

The SAGIC.co.uk site includes links to external Web sites and has links pointing to the site from third parties. These links are to provide the consumer with relevant information and or 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.

Your Policy

In order to ensure that you get the right level of cover, you will need to choose the level of cover that best meets your 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 fourteen days of receipt of purchase.

Complaints

It is our intention to provide you with a high-level customer service at all times. If, however, there is an occasion when you feel they have not provided the service you expect please tell us about it, so that we can do their best to solve the problem by writing to us: Complaints Department, Faith House, 23-24 Lovat Lane, London, EC3R 8EB (Reg. No: 101071 England & Wales) or by phone: 0300 030 1865. If you have any disability that makes communication difficult, please tell us and we will be pleased to help. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS) www.financial-ombudsman.org.uk To see our full complaints procedure please go to ‘contact us’.

Booking Online

Bookings through our 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.

Insurance Premium Payments

Payment for an insurance booking is made via credit or debit card using WorldPay. You can choose to pay monthly or annually. Some of our products only have annual as the option of payment. All prices are quoted in pounds Sterling including IPT (Insurance Premium Tax).

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 are making a booking over the telephone, our customer service team will give you this once the transaction has been authorised, you will also receive an email confirmation.

Cancellation

You have a right to cancel your transaction/policy within 14 days of purchase, to cancel your policy please call our Customer Service team on 0300 030 1865 or email customerservices@sagic.co.uk. As stated in your policy wording, any cancellation requests after 14 days cooling off period and before your policy end date may be subject to an administration charge fee.

Confidentiality

We take protecting our customer’s data very seriously and abide by the rules of the General Data Protection Regulation (GDPR). Please refer to our Privacy Notice for information on how we hold and process your data.

Quotations

Unless stated otherwise in our documentation, all quotations provided for new insurances are valid only for a period of 30 days from the date of issue. You should be aware that quotations may change or be withdrawn if the information was given to us or your insurers in proposal forms or declarations differs from that provided at the time the quotation was issued.

How we are paid

We do not charge you a fee for our service. Insurers pay us a percentage of the annual premium as a commission.

Changes to your cover

We will normally deal with any requests to increase or amend cover on the day your instructions are received, or the next working day if a weekend or public holiday. Sometimes changes cannot be processed without obtaining additional information. If additional information is required we will contact you as quickly as possible. We will confirm changes to your policy, once agreed, in writing. We will also advise you of any extra premiums you must pay or premiums we must return to you.

Documentation

Our aim is to produce documentation and issue correspondence in a clear and understandable format. In the event of any uncertainty, we would ask you to let us know immediately. Our staff are always happy to clarify the cover provided. You should check all policy documentation to ensure that the details are correct and the cover provided meets your requirements. Any errors should be notified to us immediately. All policies contain conditions, exclusions and limitations and some contain warranties and excesses. It is your responsibility to examine the document to familiarise yourself with these. A breach of a policy condition may result in non-payment of a claim and breach of a warranty may invalidate the cover if it is not complied with precisely. We strongly believe that you keep policy documents for as long as a claim is possible under the policy. If your policy includes Employers’ Liability insurance, it is prudent to keep a copy of all Employers’ Liability Certificates issued.

Means of Providing Information

All information we provide will be made clear and accessible to you. You will also be given the choice to receive the information in paper format, free of charge. If you would like a paper copy at any time then please let us know. At renewal, we will rely on your existing choice.

Renewal

In good time before the renewal of your policy, we shall contact you with the renewal premium and terms for the coming year. If you do not wish to renew the policy, please let us know as soon as possible.

Law and Jurisdiction

These Terms of Business shall be governed by and construed in accordance with English Law. In relation to any legal action or proceedings arising out of or in connection with these Terms of Business we both irrevocably submit to the exclusive jurisdiction of the English courts.

Statement of demands and needs

In choosing this product, you have not received any personal recommendations from SAGIC. This product allows you to choose the level of insurance cover from a range of options. The options selected will depend upon your personal circumstances and the value of cover you require. You should check your policy schedule carefully to ensure you have the required cover. Please note that full details of these covers can be found in the policy wording. It is vitally important that all details on the policy schedule are as accurate as possible as any misrepresentation or false statements provided during your application 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 of purchase. If you wish to exercise your right of cancellation, please telephone our office. If you wish to cancel your policy after the 14-day cooling off period a charge will be made for your insurance based on the period of cover.