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Frequently asked questions

Need help? We’ve made a list of all the questions that we are asked most often, and provided helpful answers as follows:

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Frequently asked questions

Accidental damage cover is available to the policyholder and family members for both buildings and contents.

Unfortunately Saga no longer offer cover for properties abroad, but existing customers will remain on cover until their next renewal date

We would recommend that you check your main household policy to see if it covers items outside of your permanent residence. If you keep any items permanently in your holiday home and they exceed the single article limit of £3,000 then you will need to specify them on the policy schedule.

No, we only insure overseas properties, but we can cover your UK property under our standard home insurance.

We are able to cover unoccupancy periods, but please call 0800 083 6648 for further details.

Cover can be provided, on request and subject to a compulsory excess of £1,000 for homes situated in mainland France, Spain and / or Portugal. Unfortunately we can't currently insure against this in other countries.

Up to £5 million of protection for both property and public liability is included in your holiday home insurance policy.

Our policies state that you need to pay the first £100 of any claim, apart from escape of water where you need to pay the first £200 of any claim. If you have arranged a different excess fee with us, you will need to pay that amount.

Yes, this is one of the risks which your policy covers as standard.

You are entitled to a full refund of the premium paid if you find the policy unsuitable for your needs and cancel it within 14 days of receipt of your policy documents (as long as no claims have been made). If you need to cancel cover after that time, please call us or notify us in writing with the reason for cancellation and state the date from which you need cover to cease.

Yes, if you insure your contents with Saga Holiday Home Insurance, we will ensure that these are covered as standard up to £750. For more details refer to the policy wording.