Additional Information

The information below applies whether the policy is a home insurance, cheap landlord insurance or unoccupied property insurance, except where stated.

Additional Information

  1. The sums insured must represent genuine attempts to estimate rebuilding and replacement costs. SAGIC have a facility to obtain an estimation - select home insurance and complete the details to obtain a cheap quote. If the sum(s) insured are substantially underestimated then the insurance company may reduce the amount paid out in the event of a claim.

  2. Our cheap policy has an escape of water excess of £150.00 (increased to £250 if the £250.00 excess is chosen) and subsidence excess of £1,000.00. These are relatively low.

  3. A cheaper quote may be available e.g. save 10% by increasing the excess to £150.00 and 20% by increasing it to £250.00

  4. On a landlord insurance policy - if the property becomes vacant then full cover is available for 31 days. After that the level of cover depends on whether the landlord adheres to the requirements below for unoccupied property.

  5. For property unoccupied at inception, there are two levels of cover:

    1. Limited - certain perils are excluded

    2. FULL - virtually all perils are included

    To qualify for FULL cover the property must have 5-lever door locks, window locks, be inspected weekly and the central heating system drained or maintained at a suitable temperature.

  6. Damage caused to, or directly or indirectly by, flat roofs over 10 years old is not covered unless the roof is inspected annually by a competent person, a record kept and repairs done expeditiously - in which case an additional £250.00 excess applies.

  7. All policies provide trace and access cover.

  8. Landlord policies cover malicious damage by long-standing tenants.

For HOME Insurance only

  1. All risks cover for sports equipment

  2. All risks cover for valuable and personal possessions outside the home

  3. Personal legal expenses insurance

  4. All risks cover for electrical equipment - iPads etc.

  5. Cover for frozen food.

  6. Discounts of 10% for the over 50 or 20% for the over 60

Landlord Insurance | Unoccupied Home Insurance | Home Insurance