Coronavirus and your Saga Home Insurance policy

I'm working from home, am I covered and do I need to tell you?

If you’re now doing your office-based job at home because of the latest advice, you don’t need to tell us, and your cover will still be valid. Your work at home needs to be of a clerical nature, with business equipment worth less than £5,000 and have no other staff or business visitors. If that’s not the case for you, please give us a call on 0800 068 3410, and we’ll make sure you’re fully covered.

An aspect of my cover, such as Saga Home Emergency, depends on a regular boiler or alarm service. What's does this mean for me?

We understand that this may not possible at the moment because of restrictions in your area or if you are self-isolating. Your cover will still be valid, provided the service is completed when it's reasonable and safe to do so.

If you need to use your Saga Home Emergency cover, the engineers follow government and Public Health England guidelines to keep both you and themselves as safe as possible. If you’re self-isolating with suspected symptoms of coronavirus or you’re considered to be in a vulnerable group, please tell the call handler. If you have an annual boiler service due under your cover, but feel uncomfortable having this done at the moment, you can re-book it for a later date.

Will your home be unoccupied for more than 60 days?

Your cover will still apply if you’re away from home and are either unable to return due to COVID-19 restrictions or have chosen to spend this time staying elsewhere to avoid being by yourself during lockdown. Before you leave, make sure your home is secure and, if you have one, activate your security alarm. For stays longer than a couple of months, we recommend you turn off your water supply too.

If someone is now staying with you for a similar reason related to the pandemic, then you don’t need to tell us about this, and your cover will continue as normal. If your home will be unoccupied for longer than 60 days for any other reason, please call us so we can update your policy and ensure you’re still fully covered.

How we are helping customers facing financial difficulty

If you're experiencing financial difficulty as a result of COVID-19 we have some options we can explore that may help you during this difficult time, such as:

  • Reassessing your risk profile which may result in a premium reduction
  • Reassessing your demands and needs to ensure your product is still suitable
  • Reviewing payment plans available
  • Payment deferrals.
If you do need support, please call us on 0800 068 3410 and we will help you find the best solution for you.