Additional cover available with Saga Home Insurance


Personal Belongings Cover

Saga’s Personal Belongings cover offers worldwide protection for your possessions up to £10,000 per incident (lower levels up to £2,500 or £5,000 are also available)– whether you have lost items inside your home or garden, left them on the train or broken them on a day’s outing.

You are covered for things like:

  •   Watches and cameras lost on holiday
  •   iPad left on the train
  •   Phone left in a taxi

Premier cover includes personal belongings cover up to £10,000 per incident as standard for items away from home.

Saga Home Emergency

Home Emergency cover is available from £39.99 per year.

We cover a range of emergencies relating to areas such as:

  •   Plumbing and drains – such as a blocked drain or a burst pipe
  •   Internal electrics – complete failure of internal electrics
  •   Pest infestation – such as the removal of wasps or hornets nests
  •   Security (i.e. glazing and locks) – such as a smashed window causing a security risk.

Cover includes:

  •   Emergency helpline available 24/7
  •   Approved tradesmen
  •   No costly call out charges
  •   Guarantee on permanent repairs.
Home Emergency and Home and Heating Emergency covers you for the following:
Cover and benefits Home Emergency Home and Heating Emergency
Call outs allowed each year Unlimited Unlimited
Water supply pipe

Internal plumbing and drainage

Roof damage

Pest infestation

Security (i.e. glazing and locks)

Overnight accommodation each year 3 nights 3 nights
Complete electrical failure

Complete boiler breakdown

Annual boiler service Optional Optional

Legal Expenses

Saga’s Legal Expenses cover provides:

  •  Unlimited personal legal advice
  •  Cover of up to £100,000 for a variety of legal proceedings
  •  Access to Saga Legal Documents - includes a range of easy-to-customise legal documents such as wills and powers of attorney

Legal Expenses cover would help if…

  •  Your neighbour’s overhanging branches fall and damage your property
  •  You are unfairly dismissed by your employer
  •  You are injured in an accident.

We will cover claims as long as the legal team believe you can win your case.

Cover is available when the amount in dispute is £100 or more. We cover pre-existing contracts as long as the incident occurred during the period of insurance. Disputes between landlord and tenant are not covered.

Please note that while most of Saga's online legal documents cover customers across England, Wales, Northern Ireland and Scotland, some are specific to one area. Where this is the case, it will be specified on the document. For existing Legal customers you can register to use the online document service by visiting www.sagalegaldocuments.co.uk

Garden Cover

Extended Garden Cover provides up to £5,000 per claim for your outdoor items, lawns and plants; for example:

  • Garden furniture
  • Garden Tools
  • Barbecues
  • Childrens play equipment
  • Ornaments
  • Greenhouses
  • Freestanding storage units

Whether after a storm you wake up in the morning to find your greenhouse and it's contents have been destroyed, or your garden tools and prized shrubs have been stolen - we'll pay for the replacement. If needed we also pay for the garden re-design fees and you'll receive 20% discount on selected items at the Saga Garden Centre.




Additional cover available with Saga TailorMade Home Insurance


Saga Home Emergency

Home Emergency cover is available from £39.99 per year.

We cover a range of emergencies relating to areas such as:

  •   Plumbing and drains – such as a blocked drain or a burst pipe
  •   Internal electrics – complete failure of internal electrics
  •   Pest infestation – such as the removal of wasps or hornets nests
  •   Security (i.e. glazing and locks) – such as a smashed window causing a security risk.

Cover includes:

  •   Emergency helpline available 24/7
  •   Approved tradesmen
  •   No costly call out charges
  •   Guarantee on permanent repairs.
Home Emergency and Home and Heating Emergency covers you for the following:
Cover and benefits Home Emergency Home and Heating Emergency
Call outs allowed each year Unlimited Unlimited
Water supply pipe

Internal plumbing and drainage

Roof damage

Pest infestation

Security (i.e. glazing and locks)

Overnight accommodation each year 3 nights 3 nights
Complete electrical failure

Complete boiler breakdown

Annual boiler service Optional Optional

Legal Expenses

Saga’s Legal Expenses cover provides:

  •  Unlimited personal legal advice
  •  Cover of up to £100,000 for a variety of legal proceedings
  •  Access to Saga Legal Documents - includes a range of easy-to-customise legal documents such as wills and powers of attorney

Legal Expenses cover would help if…

  •  Your neighbour’s overhanging branches fall and damage your property
  •  You are unfairly dismissed by your employer
  •  You are injured in an accident.

We will cover claims as long as the legal team believe you can win your case.

Cover is available when the amount in dispute is £100 or more. We cover pre-existing contracts as long as the incident occurred during the period of insurance. Disputes between landlord and tenant are not covered.

Please note that while most of Saga's online legal documents cover customers across England, Wales, Northern Ireland and Scotland, some are specific to one area. Where this is the case, it will be specified on the document. For existing Legal customers you can register to use the online document service by visiting www.sagalegaldocuments.co.uk

Additional cover available with Saga Landlord Insurance


Saga Home Emergency

Home Emergency cover is available from £49.99 per year.

We cover a range of emergencies relating to areas such as:

  • Plumbing and drains – such as a blocked drain or a burst pipe
  • Internal electrics – complete failure of internal electrics
  • Pest infestation – such as the removal of wasps or hornets nests
  • Security (i.e. glazing and locks) – such as a smashed window causing a security risk.

    Cover includes:

    • Emergency helpline available 24/7
    • Approved tradesmen
    • No costly call out charges
    • Guarantee on permanent repairs.

Rent Guarantee Cover

If your tenants stop paying their rent and refuse to move out, your rent will be covered whilst our legal team work through the process to evict them.

In addition once your tenant has been evicted and the property is in a suitable condition to be let we will cover 50% of the rent for a further three months or until a new tenancy agreement is in place, whichever is sooner.

We offer two levels of cover to protect you in the event that your tenant fails to pay their rent:

  • Up to £2,500 per month (total £100,000). There is an excess equal to one month's rent
  • Up to £5,000 per month (total £100,000). There is no excess to pay.