Terms & Conditions
The Salvation Army General Insurance Corporation Ltd (SAGIC) Terms of Business
In seeking insurance through SAGIC you agree to the terms set out in these ‘Terms of Business’
SAGIC are a UK General Insurer who have been operating since 1909, we are solely owned by The Salvation Army in the UK who are a registered charity (England (214779), Wales (214779), Scotland (SC009359) and the Republic of Ireland (CHY6399)).
This means available profits are given back to the charity to support the work they do.
Registered Address / Head Office:- Saxon House, 27 Duke Street Chelmsford, CM1 1HT
Tel:- 0300 030 1865
SAGIC are authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority (202327).
This information can be checked on the FCA’s register by visiting www.fca.org.uk/register. We are a member of the Association of British Insurers (ABI), and a member of the Financial Ombudsman Service (FOS).
You will not receive any advice or recommendation from us in the arrangement of your insurance. We may ask you some questions to narrow down the selection of products on offer and confirm your eligibility.
SAGIC also acts as a broker for a number of products including Legal Assistance & Home Emergency. For these products we are not the insurer however we have been given authority to underwrite these policies on their behalf.
We also offer a number of insurances on our website and through our main telephone number where we act as an introducer to other insurance brokers. Please note for these insurances you will not be a customer of SAGIC, each insurance broker will have their own terms of business which will apply which are available upon request.
On occasion we may provide assistance in calculating an estimate for the rebuilding cost of your property. Please note we cannot be held liable if this estimate is incorrect and it is your responsibility to ensure the property is insured for the correct value. If in doubt you should seek the advice of a professional valuer.
You must take reasonable care to provide complete and accurate answers to the questions we ask when you take out, make changes to, or renew your insurance policy.
Please tell us if there are any changes to the information set out in any Statement of Fact, certificate of insurance or on your schedule. This also includes the responsibility to tell us if there are any changes during the period of your policy.
If the information provided is not complete and accurate:-
- Your policy may be cancelled or treated as if it never existed resulting in claims being declined, or
- Your claim may not be paid in full, or
- Your premium may be revised, excess changed, or the cover given altered.
If you do not inform us of any changes then we will assume the information we hold about you is correct.
Client Money (Risk Transfer)
Where we act on behalf of an insurer, premiums received by us will be treated as having been received by the insurer. This means when you have paid us you have effectively paid the insurers (known as ‘risk transfer’).
How we will use your data
At SAGIC we recognise our responsibility to treat your personal information with care and to comply with all relevant legislation. For all personal information held about you we are classed as the data controller. We will process this information as necessary for performance of our contract of insurance with you; when it is in our legitimate interests to do so; and when we are obliged by law to do so.
To assist in administration of your Policy, data may be passed to other parties including Brokers, Reinsurers, Loss Adjusters, Service Providers, Regulators, Police/Government/Fraud Prevention Agencies. These parties could also be a data controller and where necessary will issue their own Data Protection & Privacy Policies.
We may also record telephone calls to help us monitor and improve the services we provide, for full details of how we use your data, and your rights please see:
SAGIC greatly values its customers and aims to provide excellent products and services.
We are committed to treating our customers fairly and use a friendly approach in all communications with clients. However, we recognise that sometimes circumstances may arise where you feel you have cause for complaint.
We always do our best to resolve complaints as quickly, thoroughly and fairly as possible.
If you need to make a complaint, please contact us and tell us:
- Your name, address and contact details
- Your policy details (if applicable)
- Details of what has gone wrong and when it happened
Complaints should be addressed to our complaints department at:-
Tel:- 0300 030 1865
Post:- The Complaints Department, SAGIC, Saxon House, 27 Duke Street, Chelmsford, CM1 1HT
We aim to resolve complaints as quickly as possible and within 3 working days of receiving your complaint. However, some complaints are more complex and may require more time to investigate and resolve. If this is the case, we will write to you within 5 working days of receiving your complaint, summarising the complaint to ensure we have understood it correctly. We will also provide you with copy of our document, ‘Making A Complaint’.
When we have completed our investigation, we will write to you within eight weeks and provide you with a Final Response, or a response that explains any further delay in investigating the complaint, and why we are unable to provide a final response at this stage.
If you are not satisfied with our response, you can refer your complaint to the Financial Ombudsman Service. You have six months to do this from the date of our Final Response or our response that explains further delay with the investigation.
The Financial Ombudsman Service (FOS) contact details:-
Telephone:- 0800 023 4567 or 0300 123 9123
Post:- The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Fees & Commission
SAGIC do not charge any fee for arrangement of a policy, mid-term adjustments or cancellations.
Your policy may include cover for which SAGIC does not act as insurer. For these aspects of cover, we are acting as an Insurance Broker and are arranging these policies for you. We may receive commission for this type of insurance, and you are entitled at any time to request information regarding the commission we receive.
Cancelling your policy
All policies issued by SAGIC include the right to cancel your policy within 14 days from the commencement date of your insurance.
Following this period your policy may be cancelled by giving us 30 days’ notice, you may also be due a pro-rata refund of remaining premium. Confirmation of any refund will be given at the time of cancellation.
We have the right at any time to cancel your policy by given you 30 days written notice, this will be sent to your correspondence address and will include the reasons for cancellation.
SAGIC policies are covered by the Financial Services Compensation Scheme, if we are unable to meet our obligations under your policy you may be entitled to compensation.
The FSCS protection for insurance claims is 90% of the claim with no upper limit, the amount of compensation due will depend on the type of business and the circumstances of the claim.
Financial Services Compensations Scheme contact details:-
Tel:- 0800 678 1100 or 0207 741 4100
Post:- Financial Services Compensations Scheme 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU
We normally accept payment by cheque, electronic transfer or most popular credit and debits cards. It may also be possible for you to spread your payment through monthly instalments. All payment options will be explained prior to the commencement of any insurance.
If you are able to pay by monthly instalments, then these payments will usually be spread over 10 months and will be interest free.
Conflicts of Interest
We have an internal Conflicts of Interest Policy and at all times will seek to avoid actual or potential conflicts of interest. Our employees are not allowed to be influenced by, or to receive, any kind of remuneration or other benefits from or to other insurance companies, other brokers, suppliers of services or actual or potential customers.
Prevention of Financial Crime
The UK Legislation on the prevention of financial crime means we must take steps “to know our customer”. This may involve us carrying out identity checks and understanding the source of money paid to us. We are obliged to report to the National Crime Agency evidence or suspicion of financial crime as soon as it is identified, and we are prohibited from notifying you of any such report.
Unless your policy documentation states otherwise all quotations and polices are governed by English law and are subject to exclusive jurisdiction of the courts of England and Wales.
Where applicable, all premiums quoted will be inclusive of Insurance Premium Tax at a current rate of 12%.