Say I Can't

What Say I Can't does

Say I Can't — operating as Sagic (The Salvation Army General Insurance Corporation Limited) — is a UK general insurance provider established in 1909 and wholly owned by The Salvation Army charity. The company underwrites and distributes a portfolio of insurance products to UK consumers, businesses, and charitable organisations, with core offerings in home insurance (buildings cover up to £1 million and contents cover up to £100,000) and landlord insurance. Specialty lines — including travel, motor, mobility scooter, self-storage, carers, and wedding insurance — are distributed through dedicated partner intermediaries (Surewise, Devitt Insurance Services, Just Travel Cover, Wedinsure), while core home and landlord cover is sold directly via the company website and phone channel.

The business model combines insurance premium revenue from underwritten products with broker/intermediary commissions on partner-distributed specialty lines. Pricing follows a quote-based monthly subscription model with 10-month interest-free payment options, no amendment fees, and a 20% discount for Salvation Army members and employees. The technology stack is standard for the industry: no proprietary platform is disclosed, with payment processing handled via Stripe and a self-service customer portal for policy management. The company holds full UK regulatory authorization from the PRA and FCA (Reg. No: 202327) and is a member of the Association of British Insurers.

Sagic serves a diversified UK customer base spanning individual homeowners and tenants, landlords and property owners, small businesses, charitable organisations (including its parent), mobility scooter users, professional carers, and wedding and travel customers. The company's competitive differentiation rests on its ethical-insurer positioning (all profits support The Salvation Army's charitable work), 115+ years of operating heritage, fee-free transparent pricing, and repeated third-party product validation including 5-star ratings from Moneyfacts, Defaqto, and Fairer Finance, plus Highly Commended recognition at the Insurance Choice Awards 2024.

Name

Say I Can't

Legal name

The Salvation Army General Insurance Corporation Limited

Website

https://sayicant.net

Company type

Private

Founded year

1909

Operating status

Operating

Headcount range

11–50 employees

Short description

Say I Can't (operating as Sagic) is a UK general insurer established in 1909, wholly owned by The Salvation Army, offering home, landlord, and specialty insurance through direct channels and partner intermediaries to UK consumers, businesses, and charitable organisations.

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Other Insurance Related Activities (52429)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

Keywords

• General insurance
• Home insurance
• Landlord insurance
• Ethical insurance
• Specialty insurance

Headquarters

HQ city

Chelmsford

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance Premium Revenue: Sagic generates revenue through insurance premiums from their portfolio of general insurance products including home, landlord, mobility scooter, self-storage, and carers insurance. They act as the insurer/underwriter for these products and collect premiums from policyholders.
2. Broker/Intermediary Commissions: For specialty insurance products distributed through partners (travel, motor, wedding), Sagic acts as an insurance broker arranging policies on behalf of other insurers and earns commission on successful introductions. The company also acts as a broker for Legal Assistance and Home Emergency products.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Sagic is a UK general insurance provider offering Home Insurance (buildings up to £1 million and contents up to £100,000) and Landlord Insurance directly through its website and phone channel. It also distributes specialty insurance products via dedicated partners, including Travel Insurance through Just Travel Cover, Motor Insurance through Devitt Insurance Services, Mobility Scooter Insurance, Self Storage Insurance, and Carers Insurance through Surewise, and Wedding Insurance through Wedinsure. The company is wholly owned by The Salvation Army and operates as an ethical insurer with 115+ years of history.

Product overview

Sagic is a general insurance company offering a portfolio of insurance products. The core offering is Home Insurance (buildings and contents), complemented by Landlord Insurance for property owners. The company also distributes specialized insurance products through trusted partners: Travel Insurance via Just Travel Cover, Motor Insurance via Devitt Insurance Services, Mobility Scooter Insurance via Surewise, Self Storage Insurance via Surewise, Carers Insurance via Surewise, and Wedding Insurance via Wedinsure. Sagic is wholly owned by The Salvation Army and operates as an ethical insurer with over 115 years of history since 1909.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance Tailored home insurance cover for homeowners and tenants, including buildings cover up to £1 million and contents cover up to £100,000 (up to £5,000 per item, £30,000 total valuables), with optional extras such as accidental damage, legal expenses, and personal possessions coverage. Sold directly online and via phone.
• Landlord Insurance Tailored landlord insurance for property investors covering buildings, contents, or both, with public liability and employers liability included as standard. Includes coverage for loss or damage to property, accidental damage, alternative accommodation, and loss of rent following insured damage. Sold directly online and via phone.
• Travel Insurance Travel insurance covering single trip, annual multi-trip, cruise, and pre-existing medical condition policies, distributed through specialist partner Just Travel Cover.
• Motor Insurance Motor insurance policies covering a wide range of vehicles in the UK and Europe, offering comprehensive cover, third party + theft, and third party only options. Distributed through specialist partner Devitt Insurance Services Ltd.
• Mobility Scooter Insurance Mobility scooter insurance for new and used scooters, covering theft, accidental damage, personal accident, and third party liability up to £2 million. Underwritten by Sagic and administered by partner Surewise since 2016.
• Self Storage Insurance Storage unit insurance cover for items stored in purpose-built storage facilities, providing coverage against theft, fire, natural disasters, and damage. Underwritten by Sagic and administered by partner Surewise.
• Carers Insurance Insurance for UK carers and personal assistants providing employers liability, public liability, and legal expenses cover up to £100,000. Underwritten by Sagic and administered by partner Surewise.
• Wedding Insurance Wedding and civil partnership insurance with coverage up to £50,000, including cancellation, adverse weather, venue/supplier failure, and personal liability. Administered by partner Wedinsure (trading name of Insuremore).

Quantifiable outcome

• 5-star ratings from Moneyfacts for Household Buildings Insurance and Contents Insurance
• +2 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• SurewisecoreChannel Partner/ Reseller/ Distributor · 1 January 2016Surewise has partnered with Sagic since 2016 to distribute mobility scooter, self-storage, and carers insurance products. Surewise is one of the leading providers in these specialist insurance markets, sharing Sagic's ethical ethos. Sagic underwrites the policies while Surewise handles administration and customer service from their Essex-based team. The partnership has grown to become one of the top providers of insurance for social care, storage, and mobility scooters.
• Devitt Insurance Services LtdcoreChannel Partner/ Reseller/ DistributorDevitt Insurance Services Ltd is a motor insurance partner for Sagic, offering motor insurance for a wide range of vehicles in both the UK and Europe. Devitt provides competitive motor insurance products distributed through Sagic's platform, with discounts available for advanced drivers, secure parking, and limited mileage customers.
• Just Travel CovercoreChannel Partner/ Reseller/ DistributorJust Travel Cover is an award-winning travel insurance broker that has partnered with Sagic to bring travel insurance products to customers. Established in 1999, Just Travel Cover has helped over 1 million passengers get travel insurance cover. They offer single trip, annual multi-trip, cruise, and pre-existing medical condition policies through their panel of insurers.
• WedinsurecoreChannel Partner/ Reseller/ DistributorWedinsure (a trading name of Insuremore) administers wedding insurance for Sagic, providing coverage for weddings and civil partnerships up to £50,000. Launched in February 2017, Wedinsure grew to become one of the largest wedding insurance providers in the UK and won Best Wedding Insurance Provider 2019 at the Insurance Choice Awards. Sagic receives commission for successful introductions.

Scale indicators4 records

Recent moves6 records

Expansion highlights3 records

Market position

Strengths4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/SAGICUK
• YouTubeyoutube.com/user/salvationarmyvideo
• Facebookfacebook.com/SAGICUK
• LinkedInlinkedin.com/company/say-i-can-t

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Say I Can't