Frequently asked questions
If you would like to get a quote on your home insurance, please call - 0800 015 0521
8.30am - 8.00pm Monday to Friday
9.00am - 5.00pm Saturday
9.00am - 5.00pm Sunday
If you would like to renew your policy, please call – 0800 056 9085
If you are an existing customer and have a query, please call – 0800 056 9102
8.30am - 8.00pm Monday to Friday
8.30am - 5.00pm Saturday
9.00am - 5.00pm Sunday
Saga Services Limited
We hope you never have to make a complaint, but if you do please call 01303 771160 where one of our advisers will be happy to help. Alternatively, you can write to us at The Customer Relations Department, Saga Services Limited, Middelburg Square, Folkestone, Kent CT20 1AZ or email us at firstname.lastname@example.org.
It is important for us to ensure that your personal data is kept secure at all times. By asking you a series of questions, we aim to confirm that we are only speaking to you or someone with your authority acting directly on your behalf.
We understand that making a claim can be stressful, so we aim to make it as easy and as straightforward as possible for you. First check your policy documents to make sure you are covered for the type of claim. Then call your insurer with your policy number, personal details and information about what you are claiming for. It may also be a good idea to take photos of your items or keep receipts in case they are lost. The number to call in order to make a claim can be found in your policy documents. For more information please see our How to make a claim section.
A policy excess is the amount of money you contribute towards the cost of a claim, for example, if your excess is £100, you will pay the first £100 towards the cost of the claim. Please note, if you are making a claim on both your buildings and contents then you will need to pay the excess on both parts.
So we can cater for your needs, we offer a number of ways to pay for your Saga Home Insurance. The easiest way to arrange payment is by calling us on 0800 414 525 where you can set up a Direct Debit or pay by credit or debit card.
Monthly Direct Debit
Paying by monthly Direct Debit allows you to spread the cost of your insurance. It is a simple, convenient and safe way to pay for your Saga Home Insurance policy; you will be in complete control and ensure you're always covered. If you pay monthly there is a charge for credit of 9.7% per annum (22.9% APR).
This method allows you to pay for your annual Saga Home Insurance policy in full, you can use a credit or a debit card.
You can pay for your Saga Home Insurance policy by cheque, which incurs a £3 administration fee.
As Saga is an insurance intermediary; we will place your business with an insurer, who will agree to cover any claims you make under your Saga policy. The £25 cost of this service is charged under a separate contract which we need to disclose to you. This does not inflate the cost of your cover as it is included in your total cost.
Yes, our Saga TailorMade Home Insurance can provide higher levels of cover as well as many great features and benefits, such as worldwide cover for your valuables and accidental damage as standard. Please see Saga TailorMade Home Insurance for more information and to get a quote. You can also call our specialist TailorMade team on
0800 096 3251.
Flood Re is a new scheme developed by the government and insurance industry aimed at helping households that have the highest risk of flooding. It allows the insurer to pass the flood risk part of your insurance onto Flood Re. This means that home insurance will be more widely available to those homes that have a high risk of flooding. For more information please visit our Flood Re page.
With our new for old cover you have peace of mind that if an item is damaged beyond repair, we will replace it. For example, if your TV is knocked over and breaks, we will replace it with a brand new one.
Under our Premier cover you are covered for damage to items that are part of a matching pair or set. For example, if a friend spills red wine on your sofa and it can’t be cleaned or replaced to match the set, we will replace the whole suite.
Our contents insurance is designed to offer cover for your personal possessions and any damage you are liable for as the tenant. For more information please see our renters insurance page. If you are renting your property it is normally the responsibility of your landlord to purchase buildings insurance, which covers the structure of your home and outbuildings.
Defaqto are an independent financial information business focused on providing valuable information to support the decision making of customers. Their star rating system aims to help customers identify where a product sits in the market place in terms of features, quality and comprehensiveness. Saga’s range of products is designed specifically for our customers and is unique to us. Our home insurance is provided by a number of insurers who all meet our high standards of quality and service and, as a result, has enabled us to achieve a Defaqto 5 Star Rating.
Our Saga Home Insurance cover level now includes our Price Promise. This means we’ll fix this year’s price for the next two renewals, so if you choose to stay next year and you haven’t made any changes, your price will be the same. View terms and conditions and find out more about our 3-year Price Promise.
Legal Expenses is an optional cover that can be added to your Saga Home Insurance policy. It provides up to £100,000 to cover the cost of legal action brought by or against you. This covers a number of legal scenarios ranging from claims and disputes, such as boundary issues with a neighbour.
Cover taken from the 1st August 2018 will also include cover for personal identity fraud and our new Personal Cybercrime Cover. This covers up to £25,000 per year for advice and assistance following a cyberattack or virus, including the cost of restoring electronic devices and monitoring your credit score for 12 months
We understand that accidents around the home can happen at any time, which is why we offer optional accidental damage cover under our buildings insurance, for fixtures and fittings such as your kitchen units, bathroom suite and glass in your windows and doors. Optional accidental damage is also available under our contents insurance, which covers you for spillages on carpets, knocking your TV over or dropping your laptop in the home.
Accidental damage is included as standard under our Premier cover. You can choose to add accidental damage to your Home cover at any time by calling 0800 056 9102. With this included, you can feel safe knowing that cover is in place, if for example, you or your family drop a tablet on the floor and break it, cause a stain on your carpet or put a nail through a pipe while putting up a shelf.
Saga Home Emergency is an additional option which will cover you for a range of unexpected emergencies such as blocked drains, burst pipes, electrical failures, smashed windows and pest infestations. This cover provides unlimited call outs from a qualified tradesman, up to three nights alternative accommodation while your home is being repaired and a 24/7 helpline so you can feel safe in the knowledge that we’re here for you whenever you need us.
Saga Home Emergency is administered by AXA Assistance Group and offers two different cover levels:
Home Emergency – This level provides cover for a range of home emergencies relating to gas and electricity supply, water supply pipes, plumbing and drains.
Home and Heating Emergency – This level adds further cover for a sudden and complete breakdown of the boiler, heating controls and main heating system.
You can add Saga Home Emergency to your policy at any time by calling 0800 056 9102.
Damaging your valuables can happen at any time which is why our Personal Belongings Cover protects your personal possessions anywhere in the world. You can choose to add cover up to £2,500, £5,000 or £10,000 per incident. Whether it’s an iPad left on a train, dropping your mobile phone on the floor or having your camera stolen on holiday you can claim to cover the cost of a replacement. Personal Belongings Cover is included as standard in our Premier cover but can be added to your Essential policy at any time by calling 0800 056 9102.
Our standard Garden Cover will cover you for up to £1,000 for loss or damage to your plants, lawns, shrubs and garden contents within the property. If you require Garden Cover greater than £1,000 then you can add our Extended Garden Cover to your policy which provides up to £5,000 per claim for items such as garden furniture, outdoor heaters and barbeques. You can add Extended Garden Cover to your policy at any time by calling 0800 056 9102.
You will be notified at least 21 days prior to the date your policy is due for renewal. You can renew your policy by calling 0800 056 9085. If you pay by Direct Debit or have a continuous payment on your credit card, your policy will automatically renew without you having to do anything.
If you need to make a change to your policy, our friendly customer services team will be happy to help. Please call our existing customer helpline on 0800 056 9102. Please refer to your policy documents as some changes may require you to pay an administration fee.
Yes, it is important that you inform us of any changes to your property, for example, an extension or adding a conservatory, so we can ensure you have the right level of cover in place whilst the alterations are ongoing.
We hope you never have cause to cancel your policy and we will always strive to resolve any concerns or issues you may have. However, if you want to cancel your home insurance, please call us on 0800 056 9102.
Cancellation - Before the policy has started
If you wish to cancel your policy after receiving your documents but before your policy has started, you will receive a full refund of the premium paid.
Cancellation - Within the first 14 days
If you wish to cancel your policy within the first 14 days of receiving your policy documents then you will either receive a full refund of your premium paid if your cover has not yet commenced, or the unused part of your premium based on the cover you have had if your cover has started.
Cancellation - After the first 14 days
If you wish to cancel your policy after the first 14 days of receiving your policy documents and your policy has commenced then you will receive a refund of the unused part of your premium based on the cover you have had. This is on the condition that there have been no claims made by you or against you during that time.
There is an administration fee of £35 that applies after the first 14 days of your cover start date.
Please note that our Legal Expenses Cover and the arrangement fee are non-refundable after the first 14 days.