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’ 

About SAGIC 

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. 

Contact Details 

Registered Address / Head Office:- Saxon House, 27 Duke  Street Chelmsford, CM1 1HT 

Tel:- 0300 030 1865 

Email:- enquiries@sagic.co.uk 

Regulators 

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). 

Our Service 

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. 

Your Responsibilities 

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 contact 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: 

https://www.sagic.co.uk/privacy-policy 

Complaints 

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.  

  • How 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  

Email: complaints@sagic.co.uk 

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  Email: complaint.info@financial-ombudsman.org.uk Website: www.financial-ombudsman.org.uk 

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 covers for which SAGIC does not  act as insurer, for these covers we are acting as an  Insurance Broker and are arranging these policies for you.  We may receive commission for these insurances, 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. 

Compensation Scheme 

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 

Email: enquiries@fscs.co.uk Website: www.fscs.org.uk Post:- Financial Services Compensations Scheme 10th Floor, Beaufort House, 15 St Botolph Street, London,  EC3A 7QU 

Payment Methods 

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.  

Law 

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. 

Tax 

Where applicable, all premiums quoted will be inclusive of  Insurance Premium Tax at a current rate of 12%.