Frequently asked questionsI need to contact you in writing, what is the address?
Saga Services Limited
Middelburg Square
Folkestone
Kent
CT20 1AZ
I have lost my Policy Booklet - can I view it online?
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.
I need more than £100,000 cover for Contents or more than £500,000 for Buildings - can you cover me?
Yes, our Saga Home Insurance TailorMade policy provides cover for customers who need a higher sum insured. Please call 0800 015 1863 for a quotation and more information.
What is ‘New for Old’?
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 and includes cover anywhere in the world.
Do I get accidental damage cover automatically?
Limited cover is provided under our Essential policy, this includes cover for damage to TV, video, audio, computer equipment and glass under Contents and cover for accidental damage to services (cables, underground pipes and drains), fixed glass, sanitary ware and ceramic hobs for Buildings.
This can be increased under our Essential Plus and Premier policies to include damage to almost all household items.
Can I build a No Claim Discount if I do not make a claim?
Yes, you can build a No Claim Discount with our Premier policy.
What is Personal Belongings Inside and Outside the Home Cover?
This provides cover for loss or damage to items you normally carry in everyday life such as your camera, glasses, MP3 player and jewellery.
This would give you cover for unspecified items anywhere in the world including your home for up to £5,000 for each incident reported. Any items worth over £1,000 will need to be specified on your policy. An extra charge will apply.
I pay by credit card, do I need to phone you every year to go ahead with my policy?
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 I send a cheque to Saga, how will I know it has been received?
Once the cheque has been processed, we will send you an acceptance letter. This normally takes between three and five working days.
Do I have to pay an administration fee when making a change to my policy?
Some changes may require you to pay an administration fee of up to £10.
Will I get a discount if I buy my policy online?
Yes, you will receive a discount if you buy your policy online. This will be automatically applied to your premium, and applies for the first year only. The offer can be withdrawn at any time.
How early can I get my new renewal documents?
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.
How do I renew my 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.
What is an automatic renewal?
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.
I am thinking of making a claim, what should I do?
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.
What should I do if I want to cancel my home policy and will I receive any refunds?
To cancel your policy please call our Customer Services Department. You will be entitled to a pro rata refund providing you have made no claims within the policy year (there will be an administration fee of up to £35 if you cancel your policy mid-term).
Why do you ask Data Protection questions when calling?
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.