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Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
In this article
Sagic is short for the Salvation Army General Insurance Corporation Ltd. It was established in 1909 by the Salvation Army and describes itself as one of the oldest continuously operating ethical insurers, with profits benefiting the less privileged in society.
It offers one standard home insurance policy, named House and Home, which we've reviewed.
Quotes are available online, by calling direct or via a broker. Sagic's standard policy does not appear on price comparison websites.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.
This insurer isn't available on MoneySuperMarket, but you can get quotes from other insurers and compare the cheapest with our reviews.
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Sagic’s contents cover is a Best Buy.
Policies
See how this compares with the best home insurance, or read more about how we rate home insurance.
We reviewed Sagic's House and Home policy. Take a look at what it offers and what we scored it.
| Buildings - Alternative accommodation | £400,000 | |
| Buildings - Burst pipes | Included | |
| Buildings - Escape of water excess | £350 | |
| Home emergency cover limit | £500 | |
| Home emergency - central heating/boiler repair | £500 | |
| Buildings - Groundwater flooding | Not covered | 0 out of 5 |
| Subsidence excess | £1,000 | |
| Contents - Valuables unspecified single item limit | £5,000 | |
| Contents - Alternative accommodation | £40,000 | |
| Contents - Accidental damage | Optional extra with some cover included as standard | |
| Contents - Guests' belongings | Up to sum insured | |
| Contents - Theft of contents in the open | £1,000 | |
| Contents - Damage to contents in the open | £1,000 | |
| Contents - Theft from outbuilding | Up to sum insured | |
| Contents - Damage to contents in an outbuilding | Up to sum insured | |
| Contents - Personal possessions cover single item limit | £2,000 |
Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.
Dean Sobers, Which? home insurance expert, says:
Sagic's House and Home policy scored well for its contents cover in our analysis – it's a Best Buy with a score of 71%.
Its buildings cover was less impressive; it scored 69%, slightly below the average buildings score of 71%.
Highlights include no fees for policy setup, renewal or amendments, and no interest charged for making payments monthly.
It offers robust cover of up to £2,500 for lost or stolen keys, and a 20% boost in your contents cover during holidays, religious festivals and special events (to allow for presents or costly items you may be storing related to the festivities).
It also protects contents kept by a family member who is temporarily living away as a student, up to £10,000.
While its cover was fairly consistent, it was weaker in a few areas, such as a lack of cover for damage caused by pets. It also only pays up to £500 per emergency call-out under its home emergency cover. With nearly three quarters of policies, this limit is £1,000 or higher.
Sometimes your insurer may deem it necessary to cancel your insurance because of a change in your circumstances or a missed payment.
With more than half of policies we looked at, the notice period is seven days – which isn't much time to challenge the decision, rectify what’s happened or secure replacement cover. Sagic’s gave more breathing space than any other policy we rated, with 30 days' notice.
Sagic's underwriter is the Salvation Army General Insurance Corporation Ltd. For claims on combined policies, the underwriter accepted 80-85% of claims – above the 71% average. Some 0-5% of claimants complained, well below the 11.9% industry average.
We don't have data on its claims acceptance rate for buildings-only policies (the industry average is 62%) or contents-only policies (the average is 71%).
Sagic doesn't sell home insurance on comparison websites, so you'll need to phone, visit the website or contact a broker for a quote.
Sagic offers a 5% discount for taking out both buildings and contents cover.
Want to pay monthly? Good news: Sagic doesn't charge interest for paying monthly rather than annually.
The above information is correct as of August 2026. For more ways to save money when buying insurance, see our guide.
While we did not have enough feedback from claimants to calculate a customer satisfaction score for Sagic, its standard House and Home buildings policy scored 69% and ranks joint 21st in our standard buildings cover table. Standard policies from Lemonade and Privilege scored the same.
As for contents insurance, its standard House and Home policy scored 71% – the same as standard contents policies from Halifax and Lloyds Bank. It ranks joint 6th among standard policies.
If you need to make a claim with Sagic home insurance, you can call 0300 030 1865.
For home emergency claims, call 01444 442800.
You can also email claims@sagic.co.uk
Probably – it was a standout for its contents cover, but you might need to more carefully consider whether its buildings cover is a good fit for you.
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