EXISTING HOME INSURANCE CUSTOMERS

These policy books relate to Saga Plus Home Insurance policies.

These policy books relate to Saga Select Home Insurance policies.

These policy books relate to Saga Home Emergency policies

These policy books relate to Saga TailorMade Home Insurance policies.

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. You also need to let us know if scaffolding is going up at your property for any reason, for example repainting or maintenance.

This is likely to result in additional terms being applied to your policy until the work is complete. Depending on the type and duration of the work there may also be an additional charge to cover the increased risk. When calling to tell us about planned building work, please make sure to have the following information ready:

• Total cost of the work
• Start and expected end date
• A brief description, e.g. new bathroom and kitchen, single storey extension, etc.
• Whether you have signed a JCT contract (your building firm/contractor will be able to tell you this)
• If you intend to move out temporarily for (all or part of) the duration of the work.

If you are a new customer and have current or planned renovations at the home you wish to insure, we may still be able to cover you, but be sure to have the above information ready when you call to get a quote.

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. You may be asked to provide photos of the damage, or receipts for lost items, if you have them.

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 page.

You will be notified at least three weeks 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.

You can request any documents in large print, Braille, or audio. Please let us know if you need any of these formats by calling our customer services team on 0800 056 9102.

By asking for this document type, all future correspondences for that policy will also be sent in this format, unless you tell us otherwise.

You can also inform us of any additional support you need via the Saga Support Register form.

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 home 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. After your cover has started, the £30 arrangement fee is non-refundable.

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. If you make a claim, you will not receive a refund.

There is a cancellation fee of £35 that applies after the first 14 days of your cover start date, unless you have a Saga Plus Home Insurance policy.

Our flagship Saga Plus cover level comes with a 3-year fixed price. This means you get a price that won't go up for three years if nothing changes and the freedom to leave any time you like during the policy year with no cancellation fee.

Read all the terms and conditions and find out more about our 3-year fixed price.