Saga’s 3-year fixed price is a benefit of our Saga Plus cover level. You’ll get a comprehensive policy that covers you for buildings, contents, or both with excellent features, such as accidental damage cover, included as standard – plus the additional benefit of knowing your price will stay the same for three years!
We’ll fix the price of your policy and any additional cover options added at the start. The price will only change if one or more of the following happens:
No, your Saga Home Insurance policy will run for 12 months at a time. Towards the end of the year, we'll invite you to renew your policy. If nothing has changed, your price will be the same as what you paid in the first year.
Once you've checked the details over, you’ll be able to easily renew your fixed price home insurance policy online or over the phone, if you prefer.
You’re not tied into your Saga policy for the full three years. Whether you choose to stay with us when it’s time to renew is entirely up to you. If you cancel your policy, we won't charge you a cancellation fee.
If you choose our Saga Plus cover level, your price will be fixed for three years. This means that you can choose to stay with us for three years, if you wish, safe in the knowledge that your home is covered. You’ll be protected against price increases due to market changes, like the current cost of living crisis, and saved from any surprises when it’s time to renew. You are, of course, free to shop around each year at renewal – you’re not tied in.
When comparing home insurance policies, it’s important to look at the cover in detail not just the price. The cheapest option might not fit your needs and you won’t necessarily find out until you need to make a claim.
Saga Plus is our top cover level and includes all the bells and whistles that are usually optional extras on other policies, including accidental damage, cover for personal belongings outside the home (such as mobile phones), damage caused by pets, and matching set replacement (this includes important matching items such as your kitchen cupboards and bathroom suite).
If you move house during the three years, you’ll need to let us know. We'll recalculate the cost of your home insurance for your new home and then this price will be fixed for the remaining time of your 3-year fixed price insurance.
If you have our buildings cover, your current and new homes can be covered for the time between exchanging contracts (or concluding the missives in Scotland) until you move in, as long as it’s within eight weeks. This cover is only in place when agreed by Saga so please contact us on 0800 056 9060 to arrange this cover prior to exchanging contracts on your new home.
If you have our contents cover, we'll automatically cover loss of or damage to your furniture, soft furnishings and free-standing kitchen appliances in your new home for seven days before you move in.
Please see the new home sections of the Policy Book for full details.
There's plenty to explore and learn about our home insurance cover.
Protect your property with buildings insurance. We offer up to £1 million cover, three-year fixed price and no cancellation fee.
Protect your favourite things against theft, fire and accident with up to £100,000 content cover at a 3-year fixed price.
A higher level of buildings and contents cover for the over 50s with Saga TailorMade Home Insurance.
Tailor your home insurance policy to suit your needs with optional extras such as Saga Home Emergency and Legal Expenses.
Get cover for home emergencies with a 24/7 emergency helpline, unlimited callouts and up to £2,000 per incident. Optionally include cover for your boiler & heating too.
Insure your holiday home for peace of mind that it’s protected, even when you’re not there.