At Saga, we are able to offer you a choice of additional cover options. You can mix and match our ‘add-ons’ to suit your specific requirements and budget, and they can be added to any Saga contents policy or Saga combined buildings and contents policy. You can also add Legal Expenses Cover and Saga Home Response to a Saga buildings policy.
Personal Belongings In and Away from Home Cover
Saga’s comprehensive personal belongings cover can be added to a Saga contents policy. It provides worldwide protection for your possessions – whether you have lost items inside your home or garden, left them on the train or broken them on a day’s outing. We cover personal belongings up to £5,000 for each incident. Any individual item worth more than £1,000 must be specified and will be covered separately on the policy in addition to the £5,000 limit.
Examples showing how Saga’s Personal Belongings In and Away From Home Cover can protect you:
Situation A
Mr A was enjoying a day out in the park with his grandchildren, when he dropped and broke his camera worth £350. Mr A was covered for this because he had added unspecified Personal Belongings In and Away From Home Cover.
Situation B
Mrs B was in her back garden weeding her flower beds and had forgotten to take off her antique ring worth £3,000. She later realised it was missing and was unable to find it.
As Mrs B had added Saga’s Personal Belongings In and Away from Home Cover, and had also specified that her ring was valued at £3,000, she was able to claim for it.
In both cases, Mr A and Mrs B would have been unable to claim for their personal items under most standard home insurance policies. However, as they had added Saga’s Personal Belongings In and Away From Home Cover to their contents policy, their items were protected.
Legal Expenses Cover
Legal Expenses Cover can be added to either a Saga buildings or contents policy. It provides cover of up to £50,000 for a variety of legal proceedings. These may relate to private goods and services you may have bought or sold, your house purchase or something affecting your rights as a homeowner or tenant, your contract of employment, or personal injury.
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.
Saga Home Response
Saga Home Response offers a 24 hour service for emergency repairs to your home by reliable tradesmen, making your home safe and secure with:
- Approved tradesmen available 24/7
- Guarantee on all work carried out
- No policy excess
Choose our Emergency package which includes Home Response, for a range of home emergencies, and Central Heating Response to cover against the breakdown or your main heating source.
Garden Cover
Garden cover provides up to £1,500 towards replacing your shrubs, trees and hedges and a further £2,000 by extending your cover to your garden contents in the open under your contents policy.
We will also contribute up to £2,500 for professional garden-design fees and expenses incurred to return your garden to its former condition if damaged.
Golf Cover
Golf Cover delivers wide-ranging protection anywhere in the world. The cover includes:
Level 1
- Cover for golf equipment, up to a value of £2,000 (maximum of £500 per item), against loss or accidental damage while at home, away, or in play
- Up to £2,000 reimbursement of club membership fees, if an accident prevents you from playing
- Up to £250 club hire, if your clubs are lost or delayed while you are playing overseas
- Up to £300 for a hole-in-one during a competition, to pay for celebratory drinks in the clubhouse
Level 2
- Everything from Level 1 as well as protection for your golf buggy against loss or damage for up to £4,000
Student Cover
Student Cover enables you to protect a student’s possessions while they are attending, or travelling to and from, boarding school, college, or university. We offer two levels of protection providing up to £3,500 of cover, including £1,500 for computer equipment and £350 for DVDs, CDs and other audio and/or visual storage media.
Level 1
- Covers contents at the student’s accommodation and whilst travelling to and from the accommodation
Level 2
- Includes cover for contents whilst at or away from the student’s accommodation, as well as a pedal cycle