Additional cover available with Saga Home Insurance


Personal Belongings Cover

Saga’s 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 have lost items inside your home or garden, left them on the train or broken them on a day’s outing.

You are covered for things like:

  •   Watches and cameras lost on holiday
  •   iPad left on the train
  •   Phone left in a taxi

Premier cover includes personal belongings cover up to £10,000 per incident as standard for items away from home.

Home Emergency cover is available from £39.99 per year.

We cover a range of emergencies relating to areas such as:

  •   Plumbing and drains – such as a blocked drain or a burst pipe
  •   Internal electrics – complete failure of internal electrics
  •   Pest infestation – such as the removal of wasps or hornets nests
  •   Security (i.e. glazing and locks) – such as a smashed window causing a security risk.

Cover includes:

  •   Emergency helpline available 24/7
  •   Approved tradesmen
  •   No costly call out charges
  •   Guarantee on permanent repairs.
Home Emergency and Home and Heating Emergency covers you for the following:
Cover and benefits Home Emergency Home and Heating Emergency
Call outs allowed each year Unlimited Unlimited
Water supply pipe

Internal plumbing and drainage

Roof damage

Pest infestation

Security (i.e. glazing and locks)

Overnight accommodation each year 3 nights 3 nights
Complete electrical failure

Complete boiler breakdown

Annual boiler service Optional Optional

Please note, claims cannot be made within the first 14 days of the policy.


Legal Expenses

Saga Home Insurance’s Legal Expenses option now includes our new Personal Cybercrime cover. 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.

 Legal Expenses cover offers:

  • Unlimited legal and tax advice
  • Up to £100,000 for a variety of legal proceedings
  • 24-hour fraud and scam helpline.

NEW: Personal Cybercrime cover additionally provides the following benefits:

  •  24-hour helpline offering specialist advice on avoiding cybercrime and prompt assistance following a cyberattack or virus
  •  Up to £25,000 per year for help following a cyberattack or virus
  •  Cover following a cyberattack includes the cost of restoring electronic devices and monitoring your credit score for 12 months.

You can read our Saga Magazine article for tips on how to stay safe online.

 

Legal Expenses 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.

Please note that we will cover claims as long as the legal team believes you can win your case. Cover is available when the amount in dispute is £100 or more and we cover preexisting contracts as long as the incident occurred during the period of insurance.





Garden Cover

Extended Garden Cover provides up to £5,000 per claim for your outdoor items, lawns and plants; for example:

  • Garden furniture
  • Garden Tools
  • Barbecues
  • Childrens play equipment
  • Ornaments
  • Greenhouses
  • Freestanding storage units

Whether after a storm you wake up in the morning to find your greenhouse and it's contents have been destroyed, or your garden tools and prized shrubs have been stolen - we'll pay for the replacement. If needed we also pay for the 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


Home Emergency cover is available from £39.99 per year.

We cover a range of emergencies relating to areas such as:

  •   Plumbing and drains – such as a blocked drain or a burst pipe
  •   Internal electrics – complete failure of internal electrics
  •   Pest infestation – such as the removal of wasps or hornets nests
  •   Security (i.e. glazing and locks) – such as a smashed window causing a security risk.

Cover includes:

  •   Emergency helpline available 24/7
  •   Approved tradesmen
  •   No costly call out charges
  •   Guarantee on permanent repairs.
Home Emergency and Home and Heating Emergency covers you for the following:
Cover and benefits Home Emergency Home and Heating Emergency
Call outs allowed each year Unlimited Unlimited
Water supply pipe

Internal plumbing and drainage

Roof damage

Pest infestation

Security (i.e. glazing and locks)

Overnight accommodation each year 3 nights 3 nights
Complete electrical failure

Complete boiler breakdown

Annual boiler service Optional Optional

Please note, claims cannot be made within the first 14 days of the policy.


Legal Expenses

Saga Home Insurance’s Legal Expenses option now includes our new Personal Cybercrime cover. 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.

 Legal Expenses cover offers:

  • Unlimited legal and tax advice
  • Up to £100,000 for a variety of legal proceedings
  • 24-hour fraud and scam helpline.

NEW: Personal Cybercrime cover additionally provides the following benefits:

  •  24-hour helpline offering specialist advice on avoiding cybercrime and prompt assistance following a cyberattack or virus
  •  Up to £25,000 per year for help following a cyberattack or virus
  •  Cover following a cyberattack includes the cost of restoring electronic devices and monitoring your credit score for 12 months.

You can read our Saga Magazine article for tips on how to stay safe online.

 

Legal Expenses 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.

Please note that we will cover claims as long as the legal team believes you can win your case. Cover is available when the amount in dispute is £100 or more and we cover preexisting contracts as long as the incident occurred during the period of insurance.