PERSONAL BELONGINGS INSURANCE

What is personal possessions insurance?

Personal belongings insurance protects your valuables against theft, loss and damage when you take them out of your home. We know that these incidents can happen at any time, which is why our cover protects your possessions anywhere in the world.

Personal possessions cover is included as standard with Saga Plus home insurance, and can be added to your Saga Select policy at any time by calling 0800 056 9102.

You can choose to add cover up to £2,500, £5,000 or £10,000 per incident, with a single item limit of £2,500. Whether you leave your iPad on the train, smash your mobile phone in town or have your camera stolen on holiday, you can claim on your personal belongings cover.

Are your possessions covered away from home?

Yes, personal belongings insurance is specifically there to protect items when you take them with you away from home. Whether you’re off to work, going for coffee with your friends or jetting off on holiday, our cover protects your possessions wherever you are in the world.

Can you be over-insured?

Yes you can. If you're over-insured, you might be paying too much for your policy. Or you might be doubling up on personal item insurance if you already have cover for certain valuables through other insurance policies.

You can also be under-insured. If that’s the case, when you make a claim, you may not get enough money back to cover the cost of the loss, damage or theft.

That’s why it’s important to correctly estimate the value of your personal possessions when you buy home insurance.