Additional cover options
We recognise that you have different priorities and may need to tailor the cover to suit your needs
Additional cover available with Saga Home Insurance
Personal Belongings Cover offers worldwide protection for your possessions up to £10,000 per incident (lower levels up to £2,500 or £5,000 are also available) whether you’ve lost an item inside your home or garden, accidentally left something on the train, or damaged a valued possession while you’re out and about.
The types of incident covered include:
- Watches and cameras lost on holiday
- An iPad left on the train
- A phone left in a taxi
Our Saga Home cover level includes personal belongings cover up to £10,000 per incident as standard, or you can add it to our Saga Essential cover level.
From £39.99 per year, you can protect your home by adding Saga Home Emergency to your Saga Home Insurance policy. With unlimited call outs each year and up to £2,000 per incident, your home is covered for a range of emergencies relating to the following areas:
- Plumbing and drains, if you have a blocked drain or a burst pipe
- Internal electrics, if there is complete failure of internal electrics
- Pest infestation, such as the removal of wasps or hornets nests
- Security (i.e. glazing and locks) if you have a smashed window that's causing a security risk.
Cover includes:
- Emergency helpline available 24/7
- Work done by approved tradesmen
- Call out charges.
Choice of Home Emergency or Home and Heating Emergency cover levels:
| Cover and benefits | Home Emergency | Home and Heating Emergency |
|---|---|---|
| Call outs allowed each year | Unlimited | Unlimited |
| Water supply pipe | Yes | Yes |
| Internal plumbing and drainage | Yes | Yes |
| Roof damage | Yes | Yes |
| Pest infestation | Yes | Yes |
| Security (i.e. glazing and locks) | Yes | Yes |
| Overnight accommodation each year | 3 nights | 3 nights |
| Complete electrical failure | Yes | Yes |
| Complete boiler breakdown | No | Yes |
| Annual boiler service | Optional | Optional |
Please note, claims cannot be made within the first 14 days of the policy. Our Home emergency cover is only for unforeseen failures and problems, so we can't cover maintenance issues or problems that worsen over time.
Our Legal Expenses option includes an Online Safety Support Service. This means you can get advice, support and solutions for identity fraud, computer viruses and suspicious emails - as well as Legal costs of up to £100,000 for a range of proceedings.
Our Legal Expenses cover provides the following benefits:
- Unlimited legal and tax advice
- Up to £100,000 for a variety of legal proceedings
- 24-hour fraud and scam helpline
- Protection for Legal claims and disputes for you and any family members permanently living with you
- Cover for a range of legal proceedings relating to your home, contract disputes, employment, death, personal injury and more
- 24-hour Online Safety Support Service offering expert advice and assistance to help you prevent viruses and restore your electronic devices following a potential cyber-attack.
Our Legal expenses cover could help in the following situations:
- You have a property damage dispute, such as your neighbour’s overhanging branches fall and damage your property
- You have a contract dispute, such as with a builder who is extending your property
- You’ve been the victim of identity theft
- Your receive a suspicious email and would like advice
- Your computer has a virus.
You can read our Saga Magazine article for tips on how to stay safe online
Please note that we will cover claims as long as the legal team believes you can win your case. You should ensure that you have basic security software installed on your electronic devices and accounts should be password protected. Cover is available when the amount in dispute is £100 or more and we cover pre-existing contracts as long as the incident occurred during the period of insurance.
Your contents cover includes Garden Cover as standard, but you can extend this cover up to £5,000 per claim for your outdoor items in the event of adverse weather conditions or theft to your property. Items covered include:
- Garden furniture
- Garden tools
- Barbecues
- Children's play equipment
- Ornaments
- Greenhouses
- Freestanding storage units
As well as paying for the replacement of your garden items if they are destroyed or stolen, we will cover the cost of garden re-design fees and you'll receive 20% discount on selected items at the Saga Garden Centre.
Additional cover available with Saga TailorMade Home Insurance
From £39.99 per year, you can protect your home by adding Saga Home Emergency to your Saga Home Insurance policy. With unlimited call outs each year and up to £2,000 per incident, your home is covered for a range of emergencies relating to the following areas:
- Plumbing and drains, if you have a blocked drain or a burst pipe
- Internal electrics, if there is complete failure of internal electrics
- Pest infestation, such as the removal of wasps or hornets nests
- Security (i.e. glazing and locks) if you have a smashed window that's causing a security risk.
Cover includes:
- Emergency helpline available 24/7
- Work done by approved tradesmen
- Call out charges.
Choice of Home Emergency or Home and Heating Emergency cover levels:
| Cover and benefits | Home Emergency | Home and Heating Emergency |
|---|---|---|
| Call outs allowed each year | Unlimited | Unlimited |
| Water supply pipe | Yes | Yes |
| Internal plumbing and drainage | Yes | Yes |
| Roof damage | Yes | Yes |
| Pest infestation | Yes | Yes |
| Security (i.e. glazing and locks) | Yes | Yes |
| Overnight accommodation each year | 3 nights | 3 nights |
| Complete electrical failure | Yes | Yes |
| Complete boiler breakdown | No | Yes |
| Annual boiler service | Optional | Optional |
Please note, claims cannot be made within the first 14 days of the policy. Our Home emergency cover is only for unforeseen failures and problems, so we can't cover maintenance issues or problems that worsen over time.
Our Legal Expenses option includes an Online Safety Support Service. This means you can get advice, support and solutions for identity fraud, computer viruses and suspicious emails - as well as Legal costs of up to £100,000 for a range of proceedings.
Our Legal Expenses cover provides the following benefits:
- Unlimited legal and tax advice
- Up to £100,000 for a variety of legal proceedings
- 24-hour fraud and scam helpline
- Protection for Legal claims and disputes for you and any family members permanently living with you
- Cover for a range of legal proceedings relating to your home, contract disputes, employment, death, personal injury and more
- 24-hour Online Safety Support Service offering expert advice and assistance to help you prevent viruses and restore your electronic devices following a potential cyber-attack.
Our Legal expenses cover could help in the following situations:
- You have a property damage dispute, such as your neighbour’s overhanging branches fall and damage your property
- You have a contract dispute, such as with a builder who is extending your property
- You’ve been the victim of identity theft
- Your receive a suspicious email and would like advice
- Your computer has a virus.
You can read our Saga Magazine article for tips on how to stay safe online
Please note that we will cover claims as long as the legal team believes you can win your case. You should ensure that you have basic security software installed on your electronic devices and accounts should be password protected. Cover is available when the amount in dispute is £100 or more and we cover pre-existing contracts as long as the incident occurred during the period of insurance.