Number of claim free years

A No Claim Discount is available on both Silver and Gold cover levels. The less you claim the more you could save.

If you already have a No Claim Discount with another provider, you can transfer this entitlement to Saga. If you have four years or more No Claim Discount, you will automatically receive the maximum 20% discount when you switch to Saga, and you will be entitled to protect your No Claim Discount (please see below for details of No Claim Discount protection). If you would like to know more about our No Claim Discount and how it may help you to reduce your future premiums, please call us free on 0800 096 4087.

If you already have a maximum No Claim Discount with another provider, you will automatically receive the maximum 20% discount when you switch to Saga. If you would like to know more about our No Claim Discount and how it may help you to reduce your future premiums, please call us free on 0800 096 4087.

If you do not have full No Claim Discount, the table below shows the level of discount you will receive.

No Claim Discount Protection

You can choose to protect your No Claim Discount if you have 4 or more claim free years. Protecting your No Claim Discount means you will not lose your discount entitlement if you make, or have made against you, up to two claims in any five year period.

If you have made a claim in the past two years, and your current insurer has protected your No Claim Discount, you can still choose to protect it with us - the claim made with your current provider will be added to any claims made with us in the future.

Saga will still protect your No Claim Discount if you have made a claim with your current provider in the last 2 years, however, the claim will count as one of the two claims allowed in any five year period. If two claims are recorded against your policy in any five year period you will lose your No Claim Discount protection. Any more than two claims in a five year period will mean that your discount will step back three years, however, you can build it up again in future years if no claims are made.

Your No Claim Discount protection will be reinstated when you become eligible again. When your protection has been reinstated it will be indicated in your caravan insurance renewal schedule.