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Frequently asked questions

Find answers to our most commonly asked landlord and home insurance questions.
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Frequently asked questions

Landlord insurance

Landlord insurance is designed to protect your property from any damages as a result of letting it out. The policy will cover the building and any of your contents you have furnished the property with. Your tenants should have their own contents insurance for their personal belongings.

By taking our landlord insurance you will benefit from cover for malicious damage or vandalism by your tenants and alternative accommodation cover to rehouse your tenants after a major incident such as a flood or fire. You can also benefit from Legal Expenses cover which provides unlimited legal advice and legal costs up to £100,000. For more information please visit our landlord page.

Yes, as a landlord, Saga Home Emergency can be added to your policy there are two cover levels to choose from:

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.

We understand that you may not always be available to deal with property issues which is why we have made it possible for your tenants to deal with any emergency on your behalf. You can add Saga Home Emergency at any time by calling 0800 027 1355.

So we can cater to 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.

Single Payment

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.

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.

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.

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.

My documents

MySaga is a secure section of our website, which allows you to view information such as your quotes and policy documents.

You can your documents online by logging into MySaga.

If you are having difficulty accessing your MySaga account or any documents, please call 0800 092 9104 or chat with us now.

If you have opted to receive your documents by email, please log into MySaga to access them.

Alternatively, you can view our latest Policy Books online under the Policy Book section. If you require an older version of your Policy Book please call 0800 056 9102.

I need to make a change, renew or cancel my policy

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 landlord 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.

Please note that our arrangement fee is non-refundable.


Haven't found the answer you're looking for? You can contact us directly for any other questions you have regarding Saga Landlord Insurance.