Home Insurance

Home Insurance Page – Policy Direct

Policy Direct have partnered with SAGIC to offer home insurance cover to our clients.

SAGIC are one of the oldest continuously operating ethical insurers, and are 100% owned by The Salvation Army, whose values they share.

Our strapline ‘Insurance that changes lives’ reflects our profits being held for the benefit of helping The Salvation Army with much needed funds to assist the less privileged in our society.

Home insurance can protect your property and everything inside it, including the fixtures, fittings and even your belongings. Our policies cover damage to your property caused by fire and bad weather, theft and damage or loss of your possessions. All our home insurance policies are flexible, making sure homeowners, renters and landlords can select the appropriate level of cover.

Policyholders benefit from:

  • No interest on monthly payments

  • No amendment fees

  • No credit card charges

  • No cost for postal confirmations

Summary of cover

All of our home insurance policies also include the following as standard:

  • 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 causing the building or part of it to collapse.

  • Escape of Water or oil from any fixed water or heating installation or domestic appliance.

  • Impact involving an aircraft, a train, vehicle or animal.

  • Falling trees, branches, telegraph poles or lamp post and the cost of removing any that cause damage to the home.


Optional extras

Choose only one option or a combination of extras to fully customise your home cover.

  • Accidental Damage: Additional cover for damage to your buildings and / or contents covering events such as accidentally dropping your TV or putting your foot through the ceiling whilst in the loft.

  • Personal Possessions: Insuring items you take away from the home for Theft, Loss or Accidental Damage.

  • Freezer foods (more than the standard cover)

  • Sport Equipment / Pedal cycles

  • Family Legal Protection: 24 hours legal helpline and costs up to £50,000

  • Money and Credit Cards: £500 worth of cover for loss of money or fraudulent use of your credit / debit card

Policy Excess:

SAGIC policies have low excesses as standard.

  • Compulsory Excess: The fixed amount you are required to contribute towards any claim before we pay out.

    • Contents claims: £75

    • Buildings claims: £75

    • Escape of Water claims: £350

    • Subsidence claims: £1,000

    • Flood claims: £75 as standard, however may increase based on your postcode.

  • Voluntary Excess: This is the additional amount you decide to contribute towards any claim in addition to the compulsory excess*.


*The higher you set a voluntary excess; the lower your premium is likely to be. It is important you consider the impact increasing your excess can have on you financially in the event of a claim.

You can obtain a quotation online, here.