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Making a claim on your home insurance

We know making a claim can be stressful, so we aim to make it as straightforward as possible

How to make a claim

The details below will help to guide you through the process of making a claim, from first contact to getting it settled.

Please note our partners are currently experiencing unusually high volumes of calls, so your call may not be answered immediately. We are working with our partners to resolve this as soon as possible, so we can continue to provide you with a high level of service. Please bear with us during this time.

Step 1: Check that you're covered

Before calling us, please check your policy documents to make sure you're covered. If you took out your policy online and received email confirmation, you can log in to MySaga to access your documents.

Your policy Schedule will specify whether you have buildings insurance, contents insurance or both. Your policy documents will also specify the excess you have to pay when making a claim. If your claim is for both your buildings and contents, you will pay both excesses listed in the documents.

Step 2: Find the right telephone number

You will find the claims telephone number(s) within your policy documents. Please call us as soon as you can, with your policy number to hand, so that we can start dealing with your claim straight away. You can be reassured that:

  • 24 hour assistance across our claims lines, 365 days a year. Please note call wait times are unusually high at present
  • All of our advisers are based in the UK and Republic of Ireland and you will get straight through to a person rather than an automated telephone menu 
  • Our claims process is straightforward; with no need to complete any forms in the majority of cases.

Step 3: What will happen next

We may ask you to send us photographs of the damage, receipts and valuations for items you have purchased, estimates for repairs and any other documentary evidence.

Depending on the type of claim you're making, there are various ways we might handle it, such as:

  • Agree payment over the phone
  • Request further information, which we will discuss with you and then keep you updated on how your claim is progressing
  • Pass it on to one of our nominated suppliers, who will assist us and you in settling the claim. This normally happens with high value or complex claims. 

Saga Home Emergency

If you've added Saga Home Emergency to your policy and you have an unexpected incident that needs immediate action, you should call the 24/7 helpline on 0800 092 1426. This service is available in emergency situations only, such as if a water pipe suddenly starts leaking badly and there's nothing you can do to stop it, or you lose all power to your home and/or all your lights stop working. Your policy Schedule will show if you have Saga Home Emergency cover.

Saga Legal Expenses

If you've added Saga Legal expenses to your policy and require assistance to make a new Legal Expenses claim, advice or help with an existing claim, please call 0800 141 3321

If your Legal expenses policy was taken out before 13th September 2019 and you need to make a new Personal Cybercrime claim or would like to discuss an existing claim following a cyber-attack, call 0800 014 6460

Alternatively, for advice on fraud, scams or Online Safety Support Service, call 0800 092 0809

Lines are open 24 hours a day, 7 days a week.

Not already a customer?

Saga Home Insurance carries a Defaqto 5 Star Rating thanks to the wide range of features and benefits it includes. If you're over 50 you can get a quote online today or call one of our advisers on 0800 015 0521