Frequently asked questions

Saga Services Limited
Middelburg Square
CT20 1AZ

You can view our latest Policy Booklets online under the Policy Booklets section. If you require an older version of the policy booklet please call us on 0800 056 9060.

Alternatively, if you opted to receive your documents by email,  please log into MySaga to access them.

Yes, our Saga Home Insurance policies can provide cover for up to £100,000 for Contents and £1,000,000 for Buildings if selected, but if you require higher levels of cover than this, Saga TailorMade Home Insurance can provide it. Please see Saga TailorMade Home Insurance for a quotation and more information.

Higher levels of cover are not available on Saga Landlord Insurance.

If you have opted to have your documents sent to you by email, then you can view them online simply by logging into MySaga.

If you have any issues with your MySaga account or if your policy documents are not displaying, please call 0800 092 9104 or email

Items lost or damaged beyond repair will be replaced with a brand new item. Some policies will only replace the item with one of an equivalent value at the time it was lost or damaged, but with our home insurance new for old is available as standard.
Limited cover is provided under our Essential policy. This includes cover for damage to TV, video, audio, computer equipment, mirrors, plate glass tops to furniture and fixed glass in furniture, under Contents. There is an optional accidental damage cover for damage to almost all household items, which you can add to your Saga Home Insurance policy.

Premier Saga Home Insurance, Landlord and TailorMade policies include accidental damage cover as standard.

Yes, you can build a No Claim Discount with our Premier policy. Please read the Summary Of Cover for more details.

This provides cover for loss or damage to items you normally carry in everyday life such as your camera, glasses, mobile phone, iPad/tablet and jewellery.

This would give you cover for unspecified items anywhere in the world including your home for up to £10,000 for each incident reported. Lower levels of cover up to £2,500 or £5,000 are also available. Any items worth over £2,500 will need to be specified on your policy. An extra charge will apply.

Premier Cover includes this as standard up to £10,000 with £2,500 for any one item.
When you take out or renew your policy and pay by credit card, you will have the option to opt in or out of payments by continuous authority. If you chose to opt in 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.

If you pay for your policy by cheque at new business or renewal, policy documents will be sent confirming payment. This normally takes between three and five working days after Saga has received payment.

Some changes may require you to pay an administration fee of £14.50.
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 will be notified 21-28 days prior to the date your policy is due for renewal. You can renew your policy by calling the renewal hotline on 0800 056 9085. If you pay by Direct Debit or gave us a continuous authority on your credit card, your policy will automatically renew without you having to do anything.
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 5 days of the renewal date to show the insurance is in place.
If you wish to make or enquire about a claim please see our How to make a claim section for further information. This gives more detail about what you need to do. Alternatively refer to your Policy Booklet for more information. Copies of the Policy Booklets can be found in our Policy Booklets section.

To cancel your policy please call 0800 056 9051.

Opening times

8.30am - 8.00pm Monday to Friday

8.30am - 5.00pm Saturday

9.00am - 5.00pm Sunday

Cancellation - Before the policy has started

If you wish to cancel your policy after receiving your documents but before your policy has started:

You will receive a full refund of the premium paid.


Cancellation - Within the first 14 days

If you wish to cancel your policy within the first 14 days of receiving your policy documents then you will either receive a full refund of your premium paid if your cover has not yet commenced, or the unused part of your premium based on the cover you have had if your cover has started.


Cancellation - After the first 14 days

If you wish to cancel your policy after the first 14 days of receiving your policy documents and your policy has commenced then you will receive a refund of the unused part of your premium based on the cover you have had. This is on the condition that there have been no claims made by you or against you during that time.


There is an administration fee of £35 that applies after the first 14 days of your cover start date.


Please note that our legal expenses cover and the arrangement fee are non-refundable after the first 14 days.
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.