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Additional Cover Options |
At Saga, we are able to offer you a choice of additional
cover options. You can mix and match our 'add-ons' to suit your specific
requirements and budget, and they can be added to any Saga contents
policy or Saga combined buildings and contents policy. You can also add
Domestic Emergency Cover and Legal Expenses Cover to a Saga buildings
policy. Click on Get a quote to find out more information.
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Personal Belongings In and Away From Home Cover
This provides up to £5,000 cover for each incident involving the
loss of or damage to your possessions anywhere in the world
(including in the home). Items valued above £1,000 must be declared
and can be covered by us separately. We also include cover for loss
or breakage of sporting equipment while in use; for example, losing your spectacles.
By adding this to Cover Plus for contents your policy
will provide extended cover for possessions, both when you are in
and away from your home. This cover does not include bikes but pedal cycle cover can be arranged.
Legal Expenses Cover
(Also available with Saga's buildings insurance)
£50,000 of legal expenses cover for the following:
- Goods and services (for example disputes over buying services for your personal use)
- Residence (for example a dispute over damage to your home)
- Employment (for example a dispute over your contract of employment)
- Death and personal injury (for example a dispute over compensation for personal injury)
- Legal Represenation (for example if your tax affairs are investigated by Inland Revenue).
Customers with Legal Expenses Cover can receive legal costs for taking
proceedings arising from all the above sections, and legal costs for defending
themselves in cases falling into the Goods and Services section of the cover
(barring all conditions and exclusions).
Please note that cases involving commercial business are excluded from our
Legal Expenses Cover; for example, a Bed and Breakfast or office-based
business in your home.
Personal Money and Credit Cards Cover
Provides you with worldwide protection of up to £500 for each incident involving your personal
money and credit cards
Domestic Emergency Cover
(also available with Saga's buildings insurance).
Provides cover for your household repairs and labour charges following unexpected emergencies
involving heating, electricity supply, plumbing, drainage and damage to roofs through adverse weather
or fallen trees. Also provides cover for permanently installed cooker/oven/hobs,
alternative accommodation and the cost of removing rats or mice or the treatment and removal of
wasps or bees nests.
With this option just a telephone call will see an approved tradesman dispatched to take care of the
crisis quickly and efficiently, 365 days a year.
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Identity Theft Cover
Identity Theft Cover is designed to help you deal with much of the distress and inconvenience caused by the
unauthorised use of your personal information. It provides the following benefits:
- Up to £5,000 for expenses incurred in defending your good name and reinstating your credit status
- Up to £50 a day (overall maximum £1,000) to cover lost wages if you need to take time off work to
deal with an identity crime situation
- Up to £500 cover for loan application fees, if you have a loan refused following identity theft and are
forced to re-apply
- Cover for legal fees to defend actions brought incorrectly by merchants and collection agencies following an
identity crime
- Cover for legal fees to remove wrongly recorded civil or criminal judgements
- Legal fees to challenge the accuracy of credit files and other financial records
- Up to £100 towards your telephone and postage costs incurred whilst recreating your financial identity
- Up to £2,500 towards the costs of notarising fraud affidavits or documents required for the police or
other institutions.
Please note: Saga Identity Theft Cover is subject to an overall maximum cover limit of £5,000.
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Garden Cover
Garden cover provides up to £1,500 towards replacing your shrubs, trees and hedges and a further
£2,000 by extending your cover to your garden contents in the open under your contents policy.
We will also contribute up to £2,500 for professional garden-design fees and expenses incurred to
return your garden to its former condition if damaged.
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Student Cover
Student Cover enables you to protect children's possessions while they are attending, or travelling to and from,
boarding school, college, or university.
We offer two levels of protection providing up to £3,500 of cover, including £1,500 for computer equipment
and £350 for records, cassettes and CD's.
Level 1
Covers contents at the student's accommodation and whilst travelling to and from.
Level 2
Includes cover for contents whilst at or away from the student's accommodation, as well as a pedal cycle.
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Golf Cover
Golf Cover delivers wide-ranging protection anywhere
in the world. The cover includes:
Level 1
- Cover for golf equipment, up to a value of £2,000, against loss or accidental damage while at home,
away, or in play
- Up to £2,000 reimbursement of club membership fees, if an accident prevents you from playing
- Up to £250 club hire, if your clubs are lost or delayed while you are travelling or playing overseas
- Up to £300 for a hole-in-one during a competition, to pay for celebratory drinks in the clubhouse.
Level 2
- The second level of cover includes all of the cover in Level 1, and also protects your
golf buggy against loss or damage for up to £4,000.
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Saga Services Limited is authorised and regulated by the Financial Services Authority.
Saga Home Insurance is underwritten by London and Edinburgh Insurance
Company Limited. Authorised and regulated by the Financial Services Authority.
Saga Services Limited is a wholly owned subsidiary of Saga Group Limited.
Registered in England and Wales (Company No: 732602) Registered Office: The Saga Building, Enbrook Park, Folkestone, Kent, CT20 3SE. |
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