Cover at a glance

Cover and benefits Essential Premier
Up to £1,000,000 buildings cover and up to £100,000 contents cover available


New for old replacement of items if repair is not feasible, such as a broken mirror

No need to specify single items worth less than £2,500 such as jewellery and paintings kept within the home

Accidental damage cover for non portable household electrical items

Full accidental damage cover within the home, to include incidents such as breaking a pair of spectacles or hammering a nail through a pipe Optional
No Claim Discount, to help keep down future premiums if you do not make any claims

Personal belongings cover for items away from home such as mobile phones and tablets Optional
Replacement of matching pairs or sets of items, for example earrings or three-piece suites, if we cannot repair or replace individual items to match

Please note: some of the above cover examples depend upon whether you have a buildings or contents policy. For more information on what’s covered download our Summary Of Cover.

If you need a higher level of cover we have Saga TailorMade Home Insurance that offers higher levels of buildings and worldwide contents cover and includes accidental damage cover as standard.