We are a small team specialising in designing innovative simple home insurance solutions in conjunction with reputable insurance companies.
ECH Facilities Ltd. is authorised and regulated by the Financial Conduct Authority with FCA Register number FRN 965039.
We are an Insurance Intermediary, and our permitted business is arranging, advising, dealing as agent, making arrangements, and assisting in the administration and performance of general insurance contracts and pure protection contracts.
You can check this on the FCA’s register by visiting the FCA website https://register.fca.org.uk/ This link will direct you to an external website or by contacting the FCA on 0800 111 6768.
SAGIC have offered ethical insurance products since formation in 1909.
They are proud to be one of the oldest continuously operating ethical Insurers, and to be 100% owned by The Salvation Army, whose values they share This link will direct you to an external website
The Salvation Army General Insurance Corporation Limited (SAGIC) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Reg. No: 202327). SAGIC is a member of the Association of British Insurers.
Registered Office: Saxon House, 27 Duke Street, Chelmsford, CM1 1HT. Registered in England & Wales. Company Number: 101071.
SAGIC is a wholly owned subsidiary of The Salvation Army. The Salvation Army is a Church and registered Charity in England (214779), Wales (214779), Scotland (SC009359) and the Republic of Ireland (CHY6399)
For us to be able to act for you, we need to establish a legal agreement and this is set out in our Terms of Business.
If you do not accept these then we cannot act for you and therefore you cannot obtain this policy from us.
As we only deal via the internet you may not be comfortable purchasing an insurance policy by this method so we are allowing you to appoint someone you trust to act on your behalf to assist you with your policy.
This person can be a family member, friend or neighbour and will be able to discuss with us the cover provided or handle a claim on your behalf.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
Advocacy is defined as the process of supporting a cause or individual.
Whilst family members may have Power of Attorney, particularly for financial wellbeing, to be able to act on the individual’s behalf, copies of the Power of Attorney document need to be provided to the institution you want to deal with before they will provide any assistance.
For those without the legal recourse this is rarely arranged.
The advocacy clause in the policy allows representation by a family member, friend or neighbour which makes administering the policy or dealing with a claim a much smoother process whilst remaining compliant with data protection legislation.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
You can only have one advocate but if you want to change your advocate then please please use our contact form at CONTACT US
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
You may cancel this Policy at any time by giving notice to ECH Facilities Ltd by post, telephone or email.
Please quote your Policy number in all correspondence.
(a) If you cancel this Policy within the first 14 days of receiving your Policy documentation, then providing there has been no claim or incident likely to give rise to a claim, we will refund the premium in full.
(b) If a claim has been submitted or there is an incident likely to give rise to a claim, then no premium refund will be given.
(c) If you cancel this Policy more than 14 days after receiving your Policy documentation then no refund of any premium paid will be given.
(d) SAGIC reserve the right to cancel the Policy with immediate effect in the event of non-payment of the premium and no refund will be given to you of any premiums previously paid.
(e) SAGIC may also cancel this Policy by giving you 14 days notice at your last known postal address or email address and no refund of any premiums will be given.
Please see Claims Procedure from the main menu.
You can call the SAGIC Claim Notification Line during Office hours on 0300 030 1865
Please note that there is an emergency ‘out of hours’ facility available on this number to assist in a crisis outside Office Hours.
In order to ensure that this service is available promptly to those who really need it in an emergency, please do not select it if You are advising a non-urgent claim.
Please also ensure you read the instructions on the how to make a claim page before calling.
In the event of a claim you must follow as far as is practicable the Claims Procedure. Failure to do so may result in your claim being rejected or reduced or SAGIC may cancel your Policy from the start of the current period of insurance.
There will be no deduction for the condition of damaged items provided they have been maintained in good repair.
All valid claims are paid in full as long as the sum the sum insured shown on your policy schedule (currently £30,000) is sufficient to cover all of your contents as defined in the policy wording .
However, if the sum insured at the time of loss or damage is less than the cost of replacing all of the contents as new, then a deduction will be made for wear, tear or betterment on any item(s) lost or damaged.
What does this mean in reality?
You are claiming for water damage to a carpet that will cost £2,500 to replace.
If the value of your contents was £25,000 then your Insurer would pay the full cost of replacement as the claim is settled on a new for old basis.
However, if the value of your contents was £35,000 and you only have cover for £30,000 then you are under insured and your Insurer would be within their rights to settle the claim taking into account the age of the carpet.
Full details of how claims are settled are set out in the CLAIMS PROCEDURES and BASIS OF SETTLEMENT sections of the Policy Wording
There are no excesses so any valid claim will be paid in full subject to the policy limits, terms and conditions.
SAGIC reserve the right to increase premiums or restrict cover following claims but we would expect the policy cover and premium to be unaffected following an occassional claim.
Where items originally purchased as part of a set cannot be matched and an appropriate replacement cannot be sourced, Your policy will pay for accompanying items from a bathroom suite, three-piece suite, or kitchen unit (excluding kitchen appliances) if one individual item is damaged.
In all other circumstances an individual item from a matching set of articles is regarded as a single item so Your policy will pay you for individual damaged items but not for undamaged companion pieces.
Where floor coverings are damaged beyond repair only the damaged floor coverings will be replaced and not undamaged floor coverings in adjoining rooms.
We hope that you will never have a reason to complain about the service you recieve from anyone involved with your policy but if your complaint relates to the sale or servicing of your policy then it rests with ECH Facilities to resolve. Full details of our complaints process is in our Terms of Business which can be found in USEFUL DOCUMENTS
However, if your complaint is regarding a claim then it rests with SAGIC to resolve and full details of their complaints process is on page 7 of the policy document which can be found in USEFUL DOCUMENTS
Please note that irrespective of who your complaint might be against, you have access to The Financial Ombudsman Service (FOS)
The Financial Ombudsman Service is a free, independent service for resolving disputes between customers and financial services institutions.
Contact details:
Telephone: 0800 023 4567 or 0300 123 9123
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk This link will direct you to an external website.
Post: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Firstly, please check our comprehensive FAQs to see if the answer is there. If you cannot find the answer then please use our contact form at CONTACT US and we will look to reply as soon as possible.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
We will normally only correspond by email to the email address provided as the contact.
However, as long as the request comes from one of the Policyholder, Joint Policyholder or Advocate if appointed, we will be able to send copy documents or answer queries.
Whilst we will normally only use email, there may be circumstances where we need to use the postal service and if, for example you have a relative who handles you affairs you may want any correspondence to go to their address.
All premiums are collected on the first working day of each month and this cannot be amended.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
SAGIC Core is a monthly policy. This means that payment must be made monthly via direct debit from your bank account. There are no annual renewal notices and you can cancel your cover at any time without penalty.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
No, the only way to pay is in monthly instalments via direct debit from your bank account.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
If we are advised by your Bank that the direct debit has been cancelled but you have not contacted us in accordance with the cancellation process as set out on page 11 of the policy wording, we will assume that you no longer want the policy but we will confirm to you by email that the policy has been cancelled and offer you the opportunity to reinstate the policy if the direct debit was cancelled in error.
If we are advised by your Bank that a direct debit payment request has been rejected as Refer to PAyer we will notify you that payment has not been collected and will look to collect the missing payment together with the next payment the following month.
If the next direct debit is not paid then we will take you off cover with effect from 00:01 hrs on the due date of the unpaid premium.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
Simple, convenient and safe, Direct Debit is an automated payment method that is used for around three quarters of household bills. In fact, in 2019 alone a record 4.5 billion payments were made this way, including for the likes of charitable donations, subscriptions, and even vehicles tax.
Everything you need to know about Direct Debit is explained here. This link will direct you to an external website.
You are also protected by the Direct Debit Guarantee which protects you in the rare event that there is an error in the payment of your Direct Debit, for instance if a payment is taken on the incorrect date, or the wrong amount is collected.
The Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debit and if an error is made in the payment of your Direct Debit, by us or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society.
You can cancel a Direct Debit at any time by simply contacting your bank or building society but please also remember to notify us.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
Whilst some insurance policies ask you to provide a value or sum insured for your contents, we believe that by setting a £30,000 limit this reduces potential problems regarding under insurance and for most of the homes we expect to insure, we believe that the total value of items that fall within the definition of contents in the Policy Wording will be significantly less than the £30,000 limit automatically provided.
Your policy provides cover for the reasonable cost of alternative accommodation subject to a maximum limit of £10,000.
Please refer to page 13 of the Policy Wording for the full terms and conditions.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
Unfortunately, if your home is in one of our high risk post code area we are unable to offer any flood cover but can provide cover excluding flood cover but this means you would not be covered for flood damage under either the Contents or Alternative accommodation sections of the policy wording.
If you would prefer cover including flood then you can find help via the BIBA Find Insurance Service which can be found at https://insurance.biba.org.uk/find-insurance/ This link will direct you to an external website or call 0370 950 1790.
Or visit the Flood Re website at https://www.floodre.co.uk
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
We do not ask about business use in the home so if you do work form home we do not need to know.
However, we do not provide any cover for business equipment or liability so if someone visits your home in connection with your business and they were injured, this would not be covered under our policy.
You may be able to obtain cover under an additional policy and you can find help via the SAGIC website at www.sagic.co.uk This link will direct you to an external website or calling their contact centre on 0300 030 1865 who are available Monday – Friday, 09:00 to 17:00.
Alternatively, BIBA Find Insurance Service which can be found at https://insurance.biba.org.uk/find-insurance/ This link will direct you to an external website or call 0370 950 1790.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
The policy covers items belonging to or the responsibility of you, your spouse or partner, relatives and any other person permanently living in the home but not any lodger, tenant or paying guest.
The same definition applies to the OCCUPIERS’ AND PERSONAL LIABILITY section of the Policy Wording.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
Jewellery falls within the definition of valuables and are therefore not covered under the SAGIC Core Home as the policy has been designed to ensure that you are able to replace the crucial items in your home if the worst happens.
If SAGIC Core Home is not suitable for your requirements or you want cover for items that are not covered under this policy then you can find help via the SAGIC website at www.sagic.co.uk This link will direct you to an external website or calling their contact centre on 0300 030 1865 who are available Monday – Friday, 09:00 to 17:00.
Alternatively, BIBA Find Insurance Service which can be found at https://insurance.biba.org.uk/find-insurance/ This link will direct you to an external website or call 0370 950 1790.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
A joint policyholder has the same rights regarding making changes or submitting claims as the policyholder.
We recommend adding a joint policyholder if you are a couple as this means that if something happens to one of you then the other person can easily make changes to the policy.
Whilst we can cover contents in houses or flats, there are certain types of property that need specialist cover.
You can find help via the SAGIC website at www.sagic.co.uk This link will direct you to an external website or calling their contact centre on 0300 030 1865 who are available Monday – Friday, 09:00 to 17:00.
Alternatively, BIBA Find Insurance Service which can be found at https://insurance.biba.org.uk/find-insurance/ This link will direct you to an external website or call 0370 950 1790.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
Whilst some insurance policies ask you to provide a value or sum insured for your contents, we believe that by setting a limit this reduces potential problems regarding under insurance and for most of the homes we expect to insure, we believe that the total value of items that fall within the definition of contents in the Policy Wording will be significantly less than the £30,000 limit automatically provided and this cannot be reduced.
By providing a limit, you do not need to tell us if you buy additional contents unless this takes you over the £30,000 limit.
However, please check that you have correctly calculated the value of the contents of your home and you may find the Association of British Insurers information at https://www.abi.org.uk/products-and-issues/choosing-the-right-insurance/home-insurance/home-contents-insurance/ This link will direct you to an external website useful in working out the correct figure but please remember to only include items that fall within the definition of contents in the Policy Wording and that whilst items such as antique furniture are included in the defintion, valuables and personal effects are specifically excluded.
If the vaue of your contents is greater than £30,000 then we would recommend that you look at an alternative policy since, if you had a claim, any payment would be calculated in accordance with the BASIS OF SETTLEMENT as set out on page 14 of the Policy Wording.
If SAGIC Core Home is not suitable for your requirements or you want cover for items that are not covered under this policy then you can find help via the SAGIC website at www.sagic.co.uk This link will direct you to an external website or calling their contact centre on 0300 030 1865 who are available Monday – Friday, 09:00 to 17:00.
Alternatively, BIBA Find Insurance Service which can be found at https://insurance.biba.org.uk/find-insurance/ This link will direct you to an external website or call 0370 950 1790.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
Please refer to Is there any deduction or excess applied to claim settlements? in the Claims section of our FAQs
We only offer cover for homes that are self-contained. This is defined as a home which has a kitchen (or cooking area), bathroom and toilet inside it for the exclusive use of the household living within the home. If the occupiers need to leave the unit to gain access to any one of these amenities then that unit is not self contained.
For example, if you live in a house that has been split into three flats then even though their is a common front door, as long as behind your front door you have the facilities described above then it is self-contained.
If your home is not self contained then you can find help via the SAGIC website at www.sagic.co.uk This link will direct you to an external website or calling their contact centre on 0300 030 1865 who are available Monday – Friday, 09:00 to 17:00.
Alternatively, BIBA Find Insurance Service which can be found at https://insurance.biba.org.uk/find-insurance/ This link will direct you to an external website or call 0370 950 1790.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
A bedroom is generally defined as a room either originally designed for sleeping in (even if now used for other purposes), or later converted for sleeping in. However, if a bedroom has been permanently converted to a bathroom then it is no longer a bedroom.
In designing this policy we have set a limit of £30,000 for eligible contents and it is extremely unlikely that a home with more than 5 bedrooms will have less than this limit which is the maximum so we have decided not to offer cover under the policy in these circumstances.
You can find help via the SAGIC website at www.sagic.co.uk This link will direct you to an external website or calling their contact centre on 0300 030 1865 who are available Monday – Friday, 09:00 to 17:00.
Alternatively, BIBA Find Insurance Service which can be found at https://insurance.biba.org.uk/find-insurance/ This link will direct you to an external website or call 0370 950 1790.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
No - your policy has a defintion for the HOME and this specifically excludes garages, sheds, greenhouses, and other domestic outbuildings.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
The policy does not cover items in the open so if, for example a trampoline gets blow away in a wind storm this would not be covered.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
A Home help is considered to be a DOMESTIC EMPLOYEE and there are no restirctions in cover.
The policy provides additional cover and should they be injured whilst working for you and you are held legally liable then the policy covers costs and expenses up to £10,000,000 or £5,000,000 if the injury is caused by terrorism.
Please refer to page 15 of the Policy Wording for the full terms and conditions.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
These items are specifically excluded under our policy as they fall within Personal Effects however, you may already have cover for them if you bought insurance when you purchased the item and it may be worth checking what is included in your monthly charges.
Otherwise, You can find help via the SAGIC website at www.sagic.co.uk This link will direct you to an external website or calling their contact centre on 0300 030 1865 who are available Monday – Friday, 09:00 to 17:00.
Or BIBA Find Insurance Service which can be found at https://insurance.biba.org.uk/find-insurance/ This link will direct you to an external website or call 0370 950 1790 can help you source a seperate policy.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
You and anyone else insured under this policy are covered for up to £2,000,000 for personal liability anywhere in the world which is for example cover required by some sports centres and gyms to use their facilities.
Cover is provided under OCCUPIERS’ AND PERSONAL LIABILITY section of the Policy Wording subject to the policy terms and conditions.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
We are unable to confirm that this policy will meet all the terms and conditions of your tenancy agreement but we automatically include cover for Tenants’ Liability For Damage up to £10,000.
Please refer to page 14 of the Policy Wording for the full terms and conditions.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
Our system relies on post code and if you live in a new home and we are not able to find your post code then at the moment we cannot offer a quote. Our data is regularly updated so please check back with us.
You can find help via the SAGIC website at www.sagic.co.uk This link will direct you to an external website or calling their contact centre on 0300 030 1865 who are available Monday – Friday, 09:00 to 17:00.
Alternatively, BIBA Find Insurance Service which can be found at https://insurance.biba.org.uk/find-insurance/ This link will direct you to an external website or call 0370 950 1790.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
We currently cannot offer cover if the home is in the Channel Islands or Isle of Man.
You can find help via the SAGIC website at www.sagic.co.uk This link will direct you to an external website or calling their contact centre on 0300 030 1865 who are available Monday – Friday, 09:00 to 17:00.
Alternatively, BIBA Find Insurance Service which can be found at https://insurance.biba.org.uk/find-insurance/ This link will direct you to an external website or call 0370 950 1790.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
Unfortunately, we cannot assist in these circumstances.
You can find help via the SAGIC website at www.sagic.co.uk This link will direct you to an external website or calling their contact centre on 0300 030 1865 who are available Monday – Friday, 09:00 to 17:00.
Alternatively, BIBA Find Insurance Service which can be found at https://insurance.biba.org.uk/find-insurance/ This link will direct you to an external website or call 0370 950 1790.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
Your SAGIC Core Home policy does not require you to have the following theft protection devices fitted but particularly if you live in a high risk theft area we would strongly recommend that they are fitted and used to protect your possessions.
All easy to reach windows or openings someone could get in through are fitted with key operated locks.This includes all windows, skylights and other openings that are accessible from ground level or without the use of a ladder, such as from a balcony, porch, single storey extension or next to a drainpipe.
The last door you use when leaving your home is secured by either a lock certified to British Standard BS3621 (A lock certified to British Standard BS8621 is acceptable for flats or maisonettes above ground level to meet fire safety recommendations) or a multi point locking system with a minimum of three locking points.
External sliding doors are secured by anti lift devices and either a hook lock certified to British Standard BS3621 or a multi point locking system with a minimum of three locking points or any lock plus two internal key operated patio door locks or key locking bolts at the top and bottom.
External double doors are secured as follows:
The first closing door is secured both at the top and bottom with either key operated security bolts that operate vertically into the door frame or flush bolts mounted on the door edge and concealed when doors are closed.
The second closing door is secured with either a lock certified to British Standard BS3621 or a multi point locking system with a minimum of three locking points or any lock plus key operated security bolts that operate vertically into the door frame at the top and bottom.
All other external doors, including doors accessing the private dwelling from a garage are secured either as stated above or any lock plus internal key operated security bolts at the top and bottom.
Garages and outbuildings are fitted with a key operated lock or locking system.
For further advice please contact your local Crime Prevention Officer
When applying for insurance one of the questions usually asked is
Have you or any person residing with you had any insurance of this type declined, cancelled or withdrawn, or has been offered cover subject to increased terms?
When asking this question, we only need to know when something has been specifically applied to your policy as a result of claims or other issues solely relating to you and other persons insured under the policy.
Some of examples where we do not consider it necessary for you to answer this question YES are
Your premium has increased due to general increases
Your insurer increased the escape of water excess
Your insurer required locks to be fitted because of your post code
Your previous insurer stopped offering this type of policy
However, you do need to answer this question YES are
You had made claims and your Insurer restricted cover
Your policy was cancelled as you had not declared a previous issue
If you would like further guidance then please use our contact form at CONTACT US and we will look to reply as soon as possible.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
Unfortunately, we cannot usually assist in these circumstances but if you would like further guidance as to whether you need to declare this then please use our contact form at CONTACT US and we will look to reply as soon as possible.
You can find help via the SAGIC website at www.sagic.co.uk This link will direct you to an external website or calling their contact centre on 0300 030 1865 who are available Monday – Friday, 09:00 to 17:00.
Alternatively, BIBA Find Insurance Service which can be found at https://insurance.biba.org.uk/find-insurance/ This link will direct you to an external website or call 0370 950 1790.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
Unfortunately, we cannot assist in these circumstances.
You can find help via the SAGIC website at www.sagic.co.uk This link will direct you to an external website or calling their contact centre on 0300 030 1865 who are available Monday – Friday, 09:00 to 17:00.
Alternatively, BIBA Find Insurance Service which can be found at https://insurance.biba.org.uk/find-insurance/ This link will direct you to an external website or call 0370 950 1790.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
We are only interested in claims that would have been covered under our policy and within the last five years so, if for example, you had made a claim for spilling paint on a carpet, this would have been dealt with as accidental damage and as we do not provide that cover we do not need to know about it.
If, due to your claims experience we can cannot offer a quote, You can find help via the SAGIC website at www.sagic.co.uk This link will direct you to an external website or calling their contact centre on 0300 030 1865 who are available Monday – Friday, 09:00 to 17:00.
Alternatively, BIBA Find Insurance Service which can be found at https://insurance.biba.org.uk/find-insurance/ This link will direct you to an external website or call 0370 950 1790.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
To retrive a quotatation you have saved, please go to the quote section of the menu and select Retrieve Saved Quote.
If your quote has expired or you need to change any of the information previously submitted, you will be able to amend and resubmit it, or alternatively start a new quote. Please refer to our FAQs for more assistance.
When you home is not lived in by you, any member of your household or any other person who has your permission then it is considered as being unoccupied.
If, for any reason your home will be unoccupied for more than 31 consecutive days then cover under the policy is removed however, if you provide us with full details of the period and reason then SAGIC will consider providing addiitonal cover.
The Defaqto star rating selects and analyses between 30 and 100 features or benefits for every policy on the market. Each policy is then scored against those features and assigned a rating based on a scale of 1 to 5.
Because we designed the Core Home product with many of the benefits and features that we do not consider to be critical removed the policy only rates as a 1 on their system.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
The price comparison sites make their money by charging policy providers to appear on their listing and this cost has to be built into the premium being charged.
By not being on these sites and by keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
Calculating the price to charge can be a complex process relying on lots of historical data to determine who is a good risk and should pay a lower price and who is a poor risk that should pay more.
Using our many years of experience in designing home insurance policies, we realised that some of these assumptions are outdated.
For example, one of the major factors in calculating the price is the age of the policyholder but given that a 70 year old in 2022 does not have the same behaviours as a 70 year old in 1972 and also that there are many multi generational households we worked with SAGIC to look at what factors are relevant in calculating an individual premium and agreed that by keeping things simple and removing options that vary prices, we have been able to keep our costs down and have been able to pass on these savings to you.
ECH Facilities like all other Brokers are remunerated by either charging an administration fee and/or receiving commission from the Insurer.
On this policy, we do not receive any commission and all our expenses are covered by charging an administration fee which is included in your monthly premium.
If your policy starts part way through the month, we are not paid anything. In the first full month we receive £3.00 and each month thereafter we receive £1.00.
Of the £4.00 you pay after the first full month, SAGIC receive £2.57, ECH Facilities receive £1.00 and the Governement receive £0.43 through Insurance Premium Tax.
A joint policyholder has the same rights regarding making changes or submitting claims as the policyholder.
We recommend adding a joint policyholder if you are a couple as this means that if something happens to one of you then the other person can easily make changes to the policy.
As we only deal via the internet you may not be comfortable purchasing an insurance policy by this method so we are allowing You to appoint someone you trust toact on your behalf to assist you with your policy.
This person can be a family member, friend or neighbour and will be able to discuss with us the cover provided or handle a claim on your behalf.
By keeping things simple, we have been able to keep our costs down and have been able to pass on these savings to you.
We will normally only correspond by email to the email address provided as the contact.
However, as long as the request comes from one of the Policyholder, Joint Policyholder or Advocate if appointed, we will be able to send copy documents or answer queries.
Whilst we will normally only use email, there may be circumstances where we need to use the postal service and if, for example you have a relative who handles you affairs you may want any correspondence to go to their address.
We only offer cover for homes that are self-contained. This is defined as a home which has a kitchen (or cooking area), bathroom and toilet inside it for the exclusive use of the household living within the home. If the occupiers need to leave the unit to gain access to any one of these amenities then that unit is not self contained.
Please refer to What defines a self-contained home in our FAQs for further help.
These items whilst important to you personally, are higher risk and also not vital for you and your family to be able to live in your Home and are therefore not covered under the SAGIC Core Home as this policy has been designed to ensure that you are able to replace the crucial items in your home if the worst happens.
As defined by the FCA, A vulnerable customer is someone who, due to their personal circumstances, is especially susceptible to harm, particularly when a firm is not acting with appropriate levels of care.
Both ECH Facilities and SAGIC believe that we treat all our Customers with suitable care irrespective of their actual status but we would like to let you know about the The Vulnerability Registration Service.
The Vulnerability Registration Service (‘VRS’) was created to help protect vulnerable people.
VRS is a not-for-profit organisation notifying companies when individuals are in a vulnerable situation and where their circumstances need to be taken into consideration. It allows vulnerable people a single place to register their status, helping them avoid repeating the same difficult conversations every time they engage with organisations.
HOW THE VULNERABILITY REGISTRATION SERVICE WORKS
Vulnerable people can either register themselves, or an organisation can register for them but neither ECH Facilities or SAGIC do this. People can either opt to be pre-declined for financial service applications, or they can simply add a ‘referral flag’ to their names to make organisations aware of their circumstances.
They can also hold some information about the type of vulnerability – like mental health, physical disability, financial capacity and cognitive disorder - as an added level of protection.
Once someone is registered, organisations that use the VRS will know that the person is vulnerable and needs to be treated in an appropriate way - with the right level of sensitivity.
AREAS VRS WORK IN
The VRS works in many sectors such as financial services, local authorities, housing associations, insurance, banking, credit, energy, telecoms and retail. If someone is vulnerable, they’re vulnerable across all sectors and many touchpoints in their lives.
USES OF THE VRS
When most organisations see that someone is registered with the VRS, they take that person out of any automated processes – giving more care and consideration to that person and their needs.
The VRS is also being used more widely – for example utilities companies to
help them identify people who might qualify for cheaper rate tariffs.
HOW TO APPLY
All VRS need is the name, address and date of birth.
If circumstances change over time and an individual no longer needs to be registered, it’s easy to come off the register.
For more information visit https://www.vulnerabilityregistrationservice.co.uk or contact them on info@thevrs.com
