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SAGIC home insurance review

We've checked out the home insurance from SAGIC, the ethical insurance that claims to change lives.

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Helen Champion
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SAGIC’s home insurance is available for all types of homeowners, tenants and landlords. It can be bought as standalone buildings cover or contents cover but can also be combined. There are also several optional extras offered to enhance a home policy such as family legal protection, accidental damage and personal possessions cover. What’s more, people in regular contact with the Salvation Army can benefit from discounts to premiums. Here’s what else we think you should know about SAGIC.

Who is SAGIC?

SAGIC is the Salvation Army General Insurance Corporation Ltd. It has been providing insurance products since 1909.

It offers a wide range of insurance such as motor, carers, travel, mobility scooter, church, self-storage and commercial insurance. All profits from SAGIC support the charitable activities and work of the Salvation Army.

What are SAGIC’s cover options?

SAGIC’s home insurance is available in the following options:

  • Buildings insurance
  • Contents insurance
  • Combined buildings and contents insurance

What is covered under my policy?

SAGICs’s home insurance policies offer cover and protection for your home against certain risks. These include:

  • Fire, smoke, explosion, lightning and earthquake
  • Storm and flood
  • Theft or attempted theft
  • Riot and civil commotion, strike, labour or political disturbance
  • Malicious damage and vandalism
  • Subsidence or landslip
  • Escape of water or oil
  • Falling trees, branches, etc

SAGIC’s home insurance policies also include some extras as standard. Check out some of these additional extras below. For a full list, check out the SAGIC policy booklets.

Buildings cover

  • Accidental damage to underground pipes and cables
  • Accidental breakage of fixed glass, ceramic hobs and sanitary ware
  • Alternative accommodation or loss of rent following insured damage
  • Key and lock cover
  • Trace and access of escape of water
  • Property owner’s liability
  • Home emergency cover

Contents cover

  • Accidental damage to glass in furniture and mirrors
  • Tenants liability for damages to property
  • Loss or damage to freezer food
  • Student belongings whilst living away from home
  • Occupiers and personal liability
  • Employer’s liability

Optional extras

SAGIC offers a range of additional protection to bolt onto your specific home insurance policy, including:

  • Accidental damage
  • Personal possessions
  • Enhanced freezer food cover
  • Sports equipment/bicycle cover
  • Family legal protection
  • Money and credit card cover

What is my excess?

Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.

You’ll find details about any compulsory or voluntary excesses in your policy document.

How much is this going to cost me?

There are a number of factors that can affect the cost of your SAGIC home insurance premium, including:

  • The cover option you choose. Enhancing your buildings, contents and combined cover policies with optional extras will provide more features and broader cover than SAGIC’s standard cover options, which will likely be reflected in the price.
  • Your sum insured. The greater the amount you wish to insure your home or contents for, the more you can expect to pay for cover.
  • Your home. The age of your home and the materials from which it is constructed can influence its ability to withstand damage.
  • Where your home is located. Certain risks, for example, storm or theft, are more prevalent in certain areas and insurers will take this into consideration when calculating your premium.
  • Security. Security measures such as an alarm system and deadbolts can act as a deterrent to thieves and therefore reduce the cost of your cover.

What is the claims process for SAGIC?

You should call the SAGIC claims line on 0300 030 1865. This line is open Monday to Friday 9am – 5pm.

For all home emergency claims, you should call 01444 442800. You can also make a claim via email by using: claims@sagic.co.uk.

You will likely need to provide the following information:

  • Your policy details and personal contact details.
  • The date of the incident.
  • Details such as the cause of the incident.
  • The value of any lost or damaged items being claimed for.
  • Names and addresses of any other people involved in or responsible for the incident, including details of injuries.

You may also need to provide the following additional information:

  • Original purchase receipts, invoices, manual booklets or photographs, bank statements, utility bills, plans or deeds of your property.
  • Purchase dates and location of lost or damaged property.
  • Confirmation from a suitably qualified expert that the damaged property you intend to claim back for is beyond repair.

It’s vital that you let your insurer know about an incident as soon as possible. Failure to do this could result in a rejected claim later on.

SAGIC pros and cons

Pros

  • SAGIC’s home insurance policies can be enhanced with extra protection.
  • Free to amend a policy.
  • No interest added when making monthly payments.
  • Claims can be made via email.

Cons

  • Accidental damage is not included as standard.
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