Saga Home Insurance Review and Quotes
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Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft?
Are you wondering if Saga is the best home insurance company to protect your house?
You’ve come to the right place.
This ultimate and up-to-date review on Saga home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.
Is Saga the best insurance company for you?
Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.
At Safe, we’ve studied in detail Saga's home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.
4,6 Safe overall rating for Saga
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction and claims |
Over 50 insurance specialist provider | |
| Cover provided for your home |
Accidental damage included as standard: damage made by pets included, mobile phone and bicycle covered | |
| Value for money |
Interest rates on monthly installments reasonable | |
| Financial strength | High, underwritten by Lloyds Bank General Insurance Limited | |
| Technology |
Quote process 100% online |
Expert and customer satisfaction reviews for Saga home insurance
| Review organisation | Saga home insurance reviews |
|---|---|
Defaqto expert | Essential: 5 stars |
| Trustpilot | 4,5/5 based on 11 076 customers reviews |
| Overall Which? Score | 70% |
Our general opinion on Saga home insurance
Saga was founded in 1980 and is a very trustworthy company specialized in providing insurance products for over 50 years old. Along with home insurance, the company provides car, travel, pet and health cover. Home insurance is underwritten by famous insurers such as Lloyds Bank, AXA, Ageas, Zenith, Pen Polaris, Prestige, Covea etc.
The company is highly rated by both expert reviews (Defaqto and Which) and customers reviews and even ranked among the most popular home insurance on the market.
For standard building insurance, Saga offers top alternative accommodation, unoccupancy period, owner's liability and keys cover.
Standard Contents insurance also provides great cover for most contents, including those in the open and outbuildings.
The Essential home insurance at Saga still ranked well but accidental damage will for instance be available only as optional extra. Same for personal possessions cover.
The website is very well documented and information is easy to access. Saga also offers competitive prices. In overall, we do recommend this company.
What does Saga home insurance cover?
What is more important than protecting your home – the roof under which you sleep with your loved ones?
Applying for home insurance at Saga will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance).
Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents.
Home insurance at Saga covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.
Saga buildings and contents insurance
Saga provides three main types of household insurance:
- Buildings insurance
- Contents and personal possessions insurance
- Combined policy
Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.
Good to know
If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.
Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.
Good to know
House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.
In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.
You will find below policy details for building and contents insurance:
| Saga building insurance | Limits |
|---|---|
| Maximum sum insured | £1 000 000 |
| Owner liability | £2 000 000 |
| Alternative emergency accomodation | Up to £1M |
| Period of home's unoccupancy cover | 60 days |
| Repairs guarantee period | 1 year |
| Trace and access | Up to £1M |
| Burst pipe | As standard |
| Blockage of sewer pipe | As standard |
| Gradual build-up of groundwater | Available as extra |
| Subsidence | As standard |
| Underground services | As standard |
| Keys cover | Up to £1M |
| Flood and storm damage (except for fences) | As standard |
Good to know
Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).
Let’s have a look now at Esure contents insurance limits:
| Contents insurance | Limits |
|---|---|
| Maximum sum insured | £100 000 |
| Owner liability | £2 000 000 |
| Alternative emergency accomodation | Up to £100 000 |
| Period of home's unoccupancy cover | 60 days |
| Damage made by pets | Covered |
| Contents kept in garden | £1 000 |
| Contents kept in outbuildings (garage included) | Up to £100 000 |
| Thefts from outbuildings | Up to £100 000 |
| Single item limit for valuables | £2 500 |
| Items temporarily removed from home | £10 000 |
| Money in and outside the home | Inside: £500 Outside: £500 |
| Credit cards in and outside the home | Inside: £500 Outside: £500 |
| Business equipment kept at home | £5 000 |
| Student equipment | Not covered |
| Keys cover | Up to £1M |
Saga home insurance additional cover
On top of your Saga buildings and contents insurance, you can find additional cover such as:
| Home insurance additional cover | |
|---|---|
| Accidental damage cover | Included as standard (not in Essential level of cover) |
| Home emergency |
|
| Boiler cover |
|
| Legal protection |
|
| Personal possessions |
|
| Mobile cover |
|
| Bicycle cover |
|
Saga home insurance excess
The deductible you'll have to pay in case of claims are as described below:
| For both building and contents insurance | |
|---|---|
| Excess for standard claims | £100 |
| Excess for escape water claims | £150 |
| Excess for subsidence claims | £1 000 |
| Excess for personal possessions | £50 |
| Excess for keys | £100 |
Saga home insurance fees and NCD
To manage your policy, renew, cancel or modify it, Saga fees are as follows:
| Fees applied to manage your Sagahouse policy | |
|---|---|
| Interests on payment installments | 22,90% |
| To renew my policy | £25 |
| To adjust my policy | £14,5 |
| To duplicate documents | £0 |
| To cancel my policy during cooling-off period | £0 |
| To cancel my policy outside cooling-off period | £35 |
| For payment default | £0 |
| To switch from one insurer to Saga | £100 |
How much does Saga home insurance cost?
You will below indicative quotes for building and contents insurance at Saga:
| Building insurance | Contents insurance | |
|---|---|---|
| Excess | £100 | £100 |
| Home cover | Building: £250 000 Contents: £20 000 Personal items: £4 000 | Building: £500 000 Contents: £50 000 Personal items: £8 000 |
| Premium | £165,69 | £325,11 |
It is very difficult to give a precise range of how much exactly will your home insurance cost at Saga as it will mainly depend on:
- The insurance you apply for (building, contents, combined insurance, extras)
- Your address
- Your claim record
- The insured value of your home and of your personal belongings, etc.
Saga will establish a risk rate, taking into account all these elements, and offer you a price based on it.
The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.
Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.
Saga home insurance discounts available
No discount available.
How do I a claim on Saga home insurance?
You should check first on your Saga home insurance policy schedule and check whether you are covered or not. If you are covered, you will find in your policy documents the right phone number to call to claim on your home insurance. Note that all Saga claims lines are opened 365 days per year, 24 hours a day, UK-based. The claim process is very straightforward.
You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.
| How to claim on Saga home insurance? | |
|---|---|
| Claim by phone | Check on your policy schedule to get the right number. |
Good to know
If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.
How can I cancel Saga house insurance?
To cancel your Saga house insurance, here is what you need to know:
| Cancelling your home insurance at Saga | |
|---|---|
| Cancellation notice if Saga cancel your policy | 7 days |
| Cancellation fees | Fees during cooling-off period: £0 Fees outside cooling-off period: £35 |
| Cancel by phone | 0800 056 9102 |
How to contact Saga home insurance?
| Services | Phone numbers | Opening hours |
|---|---|---|
| Sales | 0330 094 6098 | Mon - Fri: 8:30am - 8pm |
| Renewals | 0330 094 6102 | Mon - Fri: 8:30am - 8pm |
| Existing customers | 0330 094 6103 | Mon - Fri: 8:30am - 8pm |
| Claims | Refer to your policy documents for the right phone number |
Saga home insurance contact details
| Saga contact details | |
|---|---|
| Saga address | Saga plc |
| Customer service email | Contact us form available online |
| Chatbot available | Available |
How do I log in to Saga customer portal?
You can log in to your customer portal MySaga. This allows you to manage your policy online:
- see your documents
- claim etc.
How do I get Saga home insurance quotes?
To get a quote online at Saga, it couldn’t be simpler.
You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Saga is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.
To get Saga home insurance quotes, you will need to provide:
- Your personal information: ID, age, phone number and job
- Your address and postcode
- Your homeowner record (claims included)
- Your home description (type of property, the date it was built, how many square metres inside and outside)
- Your property related status: do you own it, rent it, have a mortgage on it, etc.
- Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.
The types of questions you will be asked are typically:
- Are you a first-time buyer?
- Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
- Has the property ever been damaged by flood?
- Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.
5 tips to reduce your Saga house insurance quote
- Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
- Increase the excess amount you are willing to pay in case you make a claim.
- Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
- Opt for a policy offering No Claim Bonus to lower your premium if you've gone for a few years without making any claim.
- Consider index-linked cover for building insurance to follow prices of building materials.
