Who is Saga?
For over 65 years Saga has provided a range of products and services to Over 50s in the UK.
Since 1980 its offered home insurance and car insurance and a decade later introduced pet insurance and private health insurance into the mix.
Saga insurance is owned by the Saga Group, which is a publicly owned company traded on the London Stock Exchange.
- Find out more: what is contents insurance?
What does Saga home insurance cover?
The information below gives an at-glance view of the key things that Saga's home insurance covers as standard.
Elements marked with a ✓ are covered as standard and those marked with a ✘ are not covered as standard. However, these can be added to a policy as optional extras for an additional cost.
✓ Loss and theft of keys
Loss and theft of keys will cover the cost of replacing your keys if they are ever lost or stolen.
✓ Burst pipes
Covers the cost of repairing burst pipes in your property.
✓ Garden cover
Garden cover protects against damage to items in your garden including plants and garden furniture.
✘ Home emergency
Home emergency cover provides assistance of central heating, electrical emergencies, plumbing or draining issues.
✘ Accidental damage
Accidental damage protects against sudden and unconventional physical damage to the structure of your property as well as your furniture and belongings.
✘ 24 hour (emergency) helpline
Allows you to call a 24-hour helpline for assistance in the case of a home emergency.
✘ Legal expenses
Legal expenses cover the cost of legal expenses should you need to pursue legal action against another party.
✘ Personal possessions
Personal possessions cover protects your portable belongings while you’re outside of your property.
- Find out more: what is buildings insurance?
How Which? rates Saga's home insurance
To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.
We survey thousands of real home insurance customers to find out how they rate their insurer for customer satisfaction.
We also analyse and rate 60 different elements of contents and buildings insurance to create policy scores, helping you judge the quality of your cover - and how an insurer compares to its peers.
We combine this into an overall score to highlight the insurers that offer great cover and service.
Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.
Saga’s home insurance policy: is it good or bad?
In February 2019, we analysed and rated 60 of the most important elements of standard home insurance policies to come up with the overall policy score.
We assess how important each individual element is when choosing and using a home insurance policy, and weight it accordingly when calculating our total policy score. Each element is given a star rating, out of five.
Overall, 49 out of the 60 elements policy elements we analysed in Saga's home insurance earned a 3-star rating or higher.
A total of 21 of Saga's policy elements were given a full 5-star rating, the majority (37) of the features in its policy were given a 3-star rating or below, which indicates an average level of cover.
Best parts of Saga's home insurance policy
We’ve identified three standout features in Saga’s home insurance policy:
- Up to £2,000 Home Emergency cover, which we gave five stars
- Money cover as standard, which earned five stars
- A standard excess of £50, which we gave 4 stars
Worst parts of Saga’s home insurance policy
We've identified three features in Saga's home insurance policy which scored poorly:
- Students not covered as standard, which scored 0 stars
- A £25 renewal fee, which we gave 1 star
- Up to £1,000 for contents left in the open, which we gave 2 stars
In detail: every part of Saga’s home insurance rated
Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.
Table last updated in February 2019. Next updated in February 2020.
| Policy elements | Details | Rating | Area covered |
|---|---|---|---|
| Interest charged on payment by installments (APR) |
|
| Buildings and contents |
| Renewal fee (£) |
|
| Buildings and contents |
| Home emergency cover - standard, optional, not covered? |
|
| Buildings and contents |
| Home emergency cover (£) |
|
| Buildings and contents |
| Owner's / Occupier's liability (£) |
|
| Buildings and contents |
| Accidental damage cover - standard, optional, not covered? |
|
| Buildings and contents |
| Subsidence - standard, optional, not covered? |
|
| Buildings only |
| Alternative accommodation (£) |
|
| Buildings only |
| Burst pipes - standard, optional, not covered? |
|
| Buildings only |
| Blockage of sewer pipe - standard, optional, not covered? |
|
| Buildings only |
| Single item limit for valuables - max limit (£) |
|
| Contents only |
| Contents in the open - within home boundary i.e. garden (£) |
|
| Contents only |
| Contents in outbuildings - including garages (£) |
|
| Contents only |
| Theft from outbuildings (£) |
|
| Contents only |
| Personal Possessions - standard, optional, not covered? |
|
| Contents only |
| Personal Possessions limit within a car (£) |
|
| Contents only |
| Bicycles - standard, optional, not covered? |
|
| Contents only |
| Mobile phones (away from home) - standard, optional, not covered? |
|
| Contents only |
| Does mobile phone cover include calls? |
|
| Contents only |
To see how Saga's home insurance compares to other policies check out our guide on the best and worst home insurance.
How did customers rate Saga's home insurance?
As well as looking at how Saga's home insurance policy stacks up against others, we've also analysed how customers feel about it too.
Which?'s rating for customer satisfaction is based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Overall, Saga's home insurance scored 72% for customer satisfaction, placing it 7th out of the 34 home insurers we looked at.
Customers scored Saga's 'clarity of policy' among the highest rated, giving it four stars out of five. Saga's 'value for money' was among the lowest rated features and was give three stars.
The table below shows how Saga's home insurance scored for eight elements of customer satisfaction.
| Customer satisfaction element | Which? Customer rating |
| Application process |
|
| Clarity of policy |
|
| Dealing with queries |
|
| Ease of managing your policy online |
|
| Transparency of charges/penalties |
|
| Dealing with complaints |
|
| Experience of making a claim |
|
| Value for money |
|
Does Saga offer different levels of home insurance cover?
The scores shown in this review relate to Saga's standard home insurance policy. If you would like to take out home insurance with Saga but need more cover, you could opt for the Saga Premier Home Insurance policy.
This policy offers:
- Accidental damage included as standard
- Up to £1,000 cover for the belonging of visitors to your home
- No claims discount protection
Due to the increased level of cover, the Saga Premier Home Insurance policy is likely to be more expensive than its standard home insurance policy.
How much does Saga's home insurance cost?
Your contents insurance and buildings insurance will be priced based on your own personal circumstances, where you live and the type of property and contents you own.
Saga allows you to gather quotes on its own website at www.saga.co.uk/insurance/home-insurance. But you can also compare Saga's home insurance on the following price comparison sites:
- Comparethemarket.com
- Gocompare.com
Check out our guide for more information on how add-ons, fees and charges affect the price of your home insurance.
What is Saga's claims number?
If you need to make a claim with Saga home insurance call 0800 092 1426.
Saga advises that you check your home insurance policy before calling to make sure that you're covered. When you call up Saga they'll ask for details about your claim, including, how it happened and how much you're claiming for.
The acid test of any home insurance provider is how it handles your claim. In January 2019, Which? surveyed 1,456 members of the general public about their experiences using a major home insurance provider.
Saga scored 64%, placing it 16th out of 21 home insurers. It scored three stars for the speed of dealing with a claim, and two stars for how it communicated about the progress of claims.
Find out how it compared to other insurers in our guide making a home insurance claim.
Who underwrites Saga's home insurance?
Saga's home insurance is underwritten by the following insurers; Acromas Insurance Company Limited, Ageas, AXA, Co-operative, Covea, Direct Group, Integra, Legal & General, Lloyds, Royal & Sun Alliance and Prestige.
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