SAGA — Doing things properly

To retrieve a saved quote click on the ‘Retrieve a saved quote’ link on the car insurance homepage, then proceed as instructed.

It is most important that you tell us immediately of any changes that occur since the insurance started or since the last renewal date. If you do not it is possible that a claim will not be covered. If you are in any doubt whether a change needs to be advised, please contact Customer Services on 0845 900 8009.

You can amend your quotation by clicking on the ‘Retrieve a saved quote’ button on the car insurance homepage, and then proceed as instructed.

You will receive your quotation documents within three working days.

When you take out a policy you will receive your policy documents within three working days. You will be sent your Certificate of Car Insurance and Policy Booklet.

All Policy Booklets are available to view and print on the Saga website.

To add another driver please contact Customer Services on 0845 366 1601.

It will cost £10.50 plus an administration charge of £10 per transaction, covering you for up to seven days. You are able to have up to four additional drivers on your policy for up to 28 days (four weeks) maximum per policy year.

Some changes may require you to pay an administration fee of up to £10.

Unfortunately we can only insure drivers who hold a full driving licence.

The policyholder may drive, with the consent of the owner, a motor car not owned by and not hired under a hire purchase or self-drive hire agreement to the policyholder.

For any claims related enquiry, please use the relevant claims numbers as stated in your Policy Booklet or Schedule.

Commuting is required if you are driving yourself or another person any part of your journey to work? ie if you drive to the station and then take the train to work, you need to have commuting on your policy.

Your car insurance will automatically cover you when driving aboard in Europe, unless you are going to the following countries:

For further details please refer to your Policy Booklet.

Saga Car Insurance automatically covers you for unlimited days in Europe.We will provide the same cover as is shown on your Schedule of insurance.For more information see your Policy Booklet.

No Claims Discount (NCD) is an earned discount that is applied for every year that a driver has insurance on a car without making a claim. Saga’s maximum No Claims Discount is four years, which equates to a 60% discount.

Once you have the maximum No Claims Discount (NCD) of four years and if you have not had an accident or made more than one claim in the last two years, Saga can protect your No Claims Discount for an additional premium. This means that your No Claims Discount will remain unaffected if you do not have more than two fault claims in five consecutive years of insurance.

We may ask you to provide proof of your No Claim Discount entitlement. Originals or photocopies are acceptable in the following forms:

• previous insurer’s Renewal Notice; or
• No Claim Discount letter or card.

If you have had the sole personal use of a company car (e.g. have had a car reserved for your own use both for work and for pleasure purposes) but have lost it due to retirement, change in position or due to changes in taxation laws, you will be allowed NCD in accordance with the number of claim free years immediately preceding the start date of your motor insurance policy.

You will be sent a renewal invitation 21 days before your renewal date which will include your premium for the coming year.

If you pay by Direct Debit or credit card, we will automatically renew your policy each year using the payment details you have given us. Your documents will be issued approximately ten days before renewal. Please contact us prior to your renewal date if you wish to renew using a different payment method or to cancel your policy.

You should automatically receive your documents at least 21 days before your renewal date. Your new premium should be available 25 days before the renewal date for you to make changes to your policy.

You can renew your car insurance policy online and make certain amends to your policy or payment method. For other renewals or any non-claim related queries, please contact our Customer Service department on 0845 900 8009.

If you are paying by Direct Debit or continuous credit card and your payment details are still the same as last year, for your convenience we will automatically renew your policy. You will receive your acceptance documents within five days of the renewal date to show the insurance is in place.

When you take out or renew your policy and pay by credit card, you have an option to pay by continuous authority.If you chose this method it means that we will hold your details securely on file until next year and automatically renew your policy. You will receive your acceptance documents before the renewal date, but we will take payment on the renewal date.

To cancel your policy please return your Certificate of Motor Insurance to the address shown on the reverse of the Certificate. Please complete the section ‘Reason for return of Certificate’, writing only in the boxes supplied.You will be entitled to a pro rata refund providing you have made no claims within the policy year (there will be an administration fee of up to £35 if you cancel your policy mid-term).

Saga Services Limited
The Saga Building
Middelburg Square
Folkestone
Kent
CT20 1AZ

Once the cheque has been processed, we will send you an acceptance letter. This normally takes between three and five working days.

Yes, you could receive an online discount. If applicable it will automatically be applied to your premium. Please note that the discount applies to your first year only and the offer may be withdrawn at any time.

It is important for us to ensure that your personal data is kept secure at all times. By asking you a series of questions, we aim to ensure that we are only speaking to you, or someone with your authority acting directly on your behalf.

Trained claims handlers will work on your behalf to recover from the third party any uninsured losses or compensation for personal injury following a motoring accident in the UK that was not your fault. For example, you could receive reimbursement for:

• any excess you may be required to pay as part of a claim;
• travelling expenses; or
• loss of earnings.

Saga’s Partnership Repairer Network ensures your car is repaired without the inconvenience of telephoning garages for estimates. We will arrange to have your vehicle repaired and cleaned at an approved garage. If required, we will also arrange for your vehicle to be collected and returned to you. All work is fully guaranteed for three years.

Direct Debit is a safe, convenient and secure way to pay. It means you will never miss a payment and you’ll always be covered even if you’re away at your renewal date.

When you pay by Direct Debit we’ll let you know before your renewal date the amount that will be paid and when, and tell you in advance about any forthcoming changes.

You can also pay for your car insurance by, credit card, debit card or cheque. (Please note that if you choose to pay by cheque there will be a £3 administration fee).