3-year fixed price terms and conditions (Applies to Saga Home, Saga Plus and Saga Plus Motorhome insurance)

  1. The term of your 3-year fixed price feature begins on your policy start date and is subject to you renewing annually.
  2. Your total price (including the price of any additional cover options) will be fixed for two consecutive renewals subject to the following Terms and Conditions.
  3. The price of your insurance will change over the three years if:
    • There is a change to Insurance Premium Tax (IPT). Any change in IPT will be included in your insurance renewal price following the change and for the remaining renewal periods.
    • You make any changes to your policy. Any change in your insurance price will come into effect at the time you make the change and will apply for the remaining renewal periods. Please check your Policy Book for information on ‘Changes to your policy details or cover’.
    • You make a claim or receive a conviction. Your insurance price will change at the next renewal after the claim or conviction.
  4. Your insurance cover will be provided subject to the terms of the Policy Book, the Schedule and any endorsements to the Policy Book. We may change the policy wording at any time and any changes will be communicated to you in writing.
  5. Underwriting criteria apply at the time you take out your cover and for the 3-year fixed price term. Acceptance or underwriting criteria may change at any time, which could result in us being unable to offer you cover either when you make a change to your policy or at renewal. Should the underwriting criteria change meaning that your price would be lower than the fixed price, then the lower price would apply for the remaining term.
  6. 3-year fixed price feature is not available with the Saga Essential cover level for home insurance or the Saga Select cover level for car and motorhome insurance.