Written on: 31/05/2013
My very elderly mum has contents cover with Saga. Neither of us had any idea that Saga are BROKERS. I have been attempting to make a claim on behalf of my mum and have spent literally hours trying to sort it out and to complain about the very poor service. I have been refused a complaints dept tel no. I am now awaiting a call from a 'manager' at some indeterminate time on a day not specified. Can I just add that Coop, who I have found underwrite this policy, have been very nice. It was... (read more)
Written on: 04/05/2013 by eggybread48 (1 review written)
They sell home insurance to elderly people who can have, poor eyesight,hearing, forgetfulness, they sell you a policy, and include a continuous yearly payment attack on your bank account, that if you do not cancell, they will not stop. i think this is immoral. but it seems is not against the law. My own experience was that i accepted their quote, and made, i thought, a one off DEBIT CARD payment, but in the murky confusion of selling, they added that they could help themselves from my bank... (read more)
Written on: 02/04/2013 by rustd1 (1 review written)
Dont be fooled into thinking you are getting some sort of service from Saga. Insurance is outsourced in my parents case to CIS and AXA. Its just a normal policy. My 80 year old mother had to deal with the claim by phone something which greatly stressed her out. No one even explained to her that the damage entry was covered by buildings insurance so the whole thing had to be repeated. They had jewellery stolen and were only offered vouchers in the first instance until challenged. We've... (read more)
Written on: 12/02/2013
Be aware that this company has a cynical response to Home Response enquiries. Do not admit naively that any 'Emergency' response is for something over 72 hours old. Also your policy apparently does not cover items such as toilets/showers etc if you have a alternative in your home. In other words if your shower stops working take bath! (read more)
Written on: 02/01/2013
Saga are supposed to be reputable. My elderly mother had contents insurance with. When she phoned up to add buildings she was hard-sold a grossly inflated price over the phone (with all the usual - 'this offer expires today' nonsense) - luckily she did not take it. When she called to cancel the original policy after their disgraceful behaviour the woman on the phone told her it was not possible to cancel insurance - and she couldn't take out a policy with anyone else until the Saga policy... (read more)
Written on: 18/12/2012
couldn't make up their minds whether the policy would be renewed automatically or not- quoted me £65. Then said the policy was definitely cancelled. Called up to renew, was now quoted £135! No explanation, was told the price changes daily. Tried calling twice was promised a call back to explain. Surprise surprise no call! Total time wasters & their admin is appalling. They don't seem to know what they're doing. Give them a miss. (read more)
Written on: 16/11/2012 by j0hnb0y
All insurance companies are a rip off. I only insure my cars at the cheapest rate every year. Because I have too by law. I drive with great care. Insurance cover is just an excuse, not to look after your things properly. Insurance companies really are parasites that you don't really need they just perpetuate fear and take your hard earned money. And once you relax they steal more and more. Just look after your kit and boost your security and you’ll be OK. Question. Who owns the insurance... (read more)
Written on: 02/08/2012
We were with SAGA for nearly 20yrs, making the innocent (ignorant) assumption of honesty in their mission statement of looking out for over 50s. Due to health issues/lack of time & energy, we hadn't really kept up with direct debit charges or shopped around and now SERIOUSLY regret it. Two issues: 1) Bad claim experiences. Most recently we tried to claim on buildings and contents insurance and were told to schedule repairs as they would be covered. The underwriter then refused to uphold... (read more)
Written on: 21/06/2012
Saga have increased my mother's house insurance by an average of almost £100 a year for the past two years. Despite no claims being made their quote for a 3-bedroom house (building cover only) is almost £550. Other on line quotes obtained have been for less than a quarter of this sum. I feel they are just taking advantage of elderly people who dont have computers or the inclination to telephone around other insurance companies. (read more)
Written on: 06/06/2012
Saga do not respond - for the second year running trying to get a temporary cove rnote for my daughter and they keep saying they will re-issue, how can i never receive each year and after numerous emails and phoen calls? Why won't they email me a cover note, then on their webite it says if you do not have the physical cover note, you are not covered, yet they have taken my money? (read more)
Written on: 20/03/2012 by diellard
dont ever insure your buildings and contents insurance with saga they are a joke they put all there insurances out to different companys who dont comunicate with each oyher at all my elderly parents have been treated appaulingly by them i have now taken over chasing 1 dept or another they even admitted that they sent a rather nasty man out to my parents in error i will keep up dated on this sight as to how i get along but please DO NOT GET INSURANCE WITH THIS COMPANY they are INCOMPEDENT and... (read more)
Written on: 21/01/2012
As I am moving abroad to live and still had 6 months left on my Saga home contents insurance I telephoned them to cancel the policy. I was told that I would receive an email with the details of the cancellation. My email address was not checked and as I did not receive an email I can only imagine that it was sent to a cancelled address. I did receive a letter; unfortunately it was sent to my old address; fortunately I had set up redirection with Royal Mail. The letter told me that I owed... (read more)
Written on: 11/10/2011 by DaveYearsley
My mother in law, age 90, trusted Saga but year on year the charge of house and content insurance had gone up and up. She renewed it last year and we wrote on her behalf to point out that we could get same insurance for half the price. This year they quoted three times the price of other insurers and in covering letter promised to match other insurers’ quotes. I phoned and gave quote from John Lewis; Tesco and LV, they would not match as these quotes were too low. Despite being... (read more)
Written on: 20/09/2011 by Heatherjune (5 reviews written)
They have admitted I have been miss-sold my home insurance policy! They've offered me £25.00 as a ''goodwill gesture!'' There is NO Goodwill aboput this Company, none at all! When I called them to insure my home they told me that I had up to £50.000 of Legal Cover; that's the biggest joke of all time! Its a LIE. I bought some a dining set, it arrived damaged, the chairs weighed 16 KILO's EACH, they were unfit for purpose, I couldn't move them. The company insists that if I don't want... (read more)
Written on: 13/08/2011
I currently have a claim with Saga for burst water pipes for my elderly Mother. The pipes burst in April 2011, I informed Saga, they passed me onto thier under writters, Sagas underwritters told me I was not covered, I went back to Saga, Saga refused to deal with the problem & told me to call the underwritters back, I did, for 6 weeks (!!!) Saga & their underwritters refused to speak to eachother, meanwhile I have 2 burst pipes, a house that is completly unliveable and an 83 year old Mother... (read more)
Written on: 21/07/2011
In 2006 we had movement of floor slab in Bungalow. We made a claim as some doors would not close and cracks had appeared. Assessors found that 2 large trees had spread their roots under bungalow and dried out the internal foundations finding roots in borehole. They recommended removal of trees and stated that the floor slab should return to normal. Saga "kindly" paid for removal of trees but rejected any claim for internal repairs as "The external walls were not damaged". I did not have to... (read more)
Written on: 23/06/2011 by derek12345
I have been with SAGA for three years and seeing premiums shoot up each year. This year I found I could get the same cover from Churcil for a 1/3 of the price. Seems to be a reverse loyalty pricing in place - stay loyal and get hammered. The worrying thing is that this is an insurance aimed at the over 50's only. With increasing age it is a fair bet that my mental capabilities will diminish and were I still with them I would end up automatically renewing each year without really looking at... (read more)
Written on: 09/03/2011
Under no circumstances insure your building with these people. If you have structural problems with the property and you try and sell they will not continue the insurance to your buyer if they are under 50. This is important because getting insurance on an underpinned property even done 20 years ago is very difficult (read more)
Written on: 05/03/2011
Made a claim for a burst pipe and was told by the underwriters Co-Operative that I would be notified within 48 hours and guided through the claim process. No call ever arrived and despite many emails to Saga the claim never got under way. Avoid Saga at all costs, just a con merchant. (read more)
Written on: 16/02/2011 by carlomiller (8 reviews written)
Saga bend over backwards to help you join them and thats good. The bad news the next year they hike your premiums 26% and then again the following year 22%. They rely on their older customers not realising. Very shady way of doing business. (read more)
Written on: 25/01/2011
Until now I have found Saga insurance to be competitively priced and the telephone customer service helpful.
My last renewal quote was double what they had charged before, and more than double the 'going rate' quoted by other companies. Not surprisingly I have renewed elsewhere.
I wonder if this is another company that having been taken over is now going downhill. (read more)
Written on: 01/01/2011
I have been insured with Saga for several years and seen steady increases in renewal cost, this year approximately 25%. Two questions, 1) am I paying for the management buyout, 2) am I susidising the on line new customer 25% discount. I went on line to try the 25% discount only for the site to say, you already have our insurance,and would not give me a quote; think it's time to shop around. (read more)
Written on: 03/12/2010 by mfkemp (1 review written)
Having taken out Saga's Standard Cover for buildings I tried to make a claim for snow damage to my guttering, but was told that such damage wasn't covered unless I had paid an additional premium for Extended Accidental Damage.
I read Saga's policy documentation and their Standard Cover lists weather related damage (e.g. storm, flood, lightning), whilst every reference to Extended Accidental Damage concerns human mishap and carelessness (e.g. drilling thrugh a power cable).
I sent an email... (read more)
Written on: 25/10/2010
Saga are extremely helpful when you want to buy insurance from them. When you want to claim on that insurance? They become significantly less helpful.
Firstly, they make it very difficult to contact them at all, and secondly, they try every trick in the book to make sure you don't get a penny of the insurance you've been paying into when you need it. Stay away! (read more)
Written on: 29/09/2010
As per others comments SAGA Premiums have risen excessively this year both in Home and Vehicle Insurance. Whilst the representative I spoke with to discuss renewal of the vehicle was pleasant and tried to help and seek ways to reduce the final cost the Home Insurance Rep was slightly aggressive and appeared not interested in keeping the business. I would also concur that SAGA could review the amount and format of the documentation they send out. (read more)
Written on: 27/08/2010
We have insured our home and contents for 4 years with Saga, it started off with a very competetive price. However, it has now risen from £292.42 in 2008 to £432.40 this year. Trouble is we were away when the renewall came in and when we came home, with so much mail, we did not think to look at it, so it automatically renewed. Will do my best to cancel next year. Thing is I did an online quote with them, and it was again under half the price. Lesson - check every year for competetive... (read more)
Written on: 09/08/2010 by CharlesBaker (1 review written)
We've been with saga for years, they're good at listening when we have questions and we would recommend them. I've never been let down by them so I don't shop around for quotes anymore. (read more)
Written on: 02/08/2010 by jeanmat (1 review written)
Home Insurance Claim non progress as below.
Telephoned friday 30th july to report damage to a conservatory window, spoke with someone called Sarah who gave a reference number of 900512870 and told that I would be contacted by someone called from the Co-op, no such call came, rang again at 4.30pm to b e told there was no record of any claim b eing made and that the reference number was not one of Saga's numbers.
The policy number was quoted only to be 'shot down' by the reply that this again... (read more)
Written on: 25/06/2010
My 86 year old father has just had his renewal. I had no idea he was paying almost £400 last year but this year they want £513. For a three bed end of terrace worth around £250K! Managed to get the same insurance with the AA for £108. IMO SAGA rip off the elderly and vulnerable who trust them because they're supposed to have the needs of the elderly at heart. (read more)
Written on: 25/06/2010
Like so many others in this forum, I have just been hit by a huge increase in my policy from Saga, and on looking into other insurers' rates have found that the same insurance is available for literally half the price. But I must say, I have always found Saga's customer service people to be quite pleasant -- I almost feel sorry for them, since there's nothing they can say in the company's defense. (read more)
Written on: 10/06/2010 by Goldcap (13 reviews written)
Having been a customer for many years I had until recently been quite satisfied with Saga products. However, this year they appear to have taken a serious step backwards. Both my home content and buildings cover, together with vehicle insurance have become excessivly uncompetative in cost terms and the quality of cover. Having raised these issues with them, I like other reviewers, have had the pleasure of dealing with their customer services departments both over the telephone and through... (read more)
Written on: 27/04/2010
I went with Saga last year for our house insuranceas their premiums were very competitive - this year up 43 yes 43%. I cannot find anyone in their so called customer service dept who can explain the difference. I cannot work out what customer services is all about as all they can say is we need to speak to the agent who orignally sold the insurance but they don't keep a record on your file of who he is!!!
Had I known how their system works I probably would not have gone with them - god... (read more)
Written on: 09/03/2010
To be avoided, for a company that targets the over 50's you would expect some idea of the problems that older people may have. My 87 year old father had a fire which meant that his house couldn't be lived in. He has a starlift & other modifications at home that I don't have. It proved impossible for him to live with me unless I was there 24/7. Their ideas of 'reasonable' accomodation for him was to put him in an hotel, in effect for him a comfortable prison. THey couldn't see anything wrong... (read more)
Written on: 01/02/2010
Everything seems fine (although by no means the cheapest) until you come to make a claim. The claims number is nowhere to be found (though there are plenty of numbers if ou want to take out additional insurance) - they seem to have forgotten what insurance is actually for. I was eventually transferred to an agency who promised to send out the papers. A week later they rang to say that I was not covered and I would have to phone Saga to sort this out. Saga admitted that I was covered and told... (read more)
Written on: 06/01/2010 by Ionlywantstandardservice (1 review written)
They don't actually deserve one star. Spoke to an adviser about specific cover for items away from home received policy docs to find my specific request was not covered. They agreed it had been mis-sold to me then continued taking the money. Made a claim to the value of £300 Loss adjusters demanded I took day off for them to visit between 10am and 4pm. I stood my ground and they visited my office to examine the broken item 3 weeks later. 2nd year premium rose from £48 per month to £80 per... (read more)
Written on: 22/11/2009 by bernardsurrey (1 review written)
I left Aviva for Saga only to find out that Aviva handles claims for Saga. the claims handling is long winded with many "specialists" coming to see the water damage. We have had our floors dug up for 6 months now with no hope of finalisation before Christmas. (read more)
Written on: 30/09/2009
I am annoyed that Saga arbitrarily increased my premium by almost £100 to £542.17 from the next renewal date. I have never made a claim in my five years with Saga. The explanation given by their representative - that claims in this postcode area have increased by up to 30% - is totally unacceptable and probably untrue. In any case I am unwilling to pay extra because of other people's claims. I am a pensioner and we are supposedly in a recession. The person to whom I spoke was not very... (read more)
Written on: 14/09/2009
Saga, the name says it all, don't waste your money. They aren't worthy of any stars but that wasn't an option!
On hearing a loud bang as if something had hit our front door we discovered the interior glass broken, phoned Saga only to find Aviva answer their calls at weekends and could not access our details and were told to call back the next day. Saga sent a man round from homeserve who measured up for the repair.
We heard nothing for nearly 3 weeks and on phoning them were told they... (read more)
Written on: 31/07/2009 by Robert Fellows (1 review written)
I just received my renewal from Saga for house & contents insurance @ £520.27 pa including finance for monthly payments. I decided to do some comparisons and found that there are many alternatatives at around £150 pa for the same cover and with the same excess of £100.
I always beleived that Saga had benefits for the over 50s, but now I dont.
I have now moved to Swinton insurance @ £153.87 pa. They have offices throughout the UK and there is one close to home so that if I have a problem I... (read more)
Written on: 03/07/2009 by jokeefe (1 review written)
Extremely poor customer service. Would not advise anybody to take up policies with Saga. Had contents insurance, unable to claim due to Saga not making it clear about what was covered by the policy. Phoned to cancel the policy on 1 July for refund on outstanding months as policy covered until end of September 2009. Was told after they had deducted the exit fee of £25 (which I was never made aware of) that I would recieve a refund of £16.78, the advisor then changed his mind and said that... (read more)
Written on: 24/04/2009 by JSCY (1 review written)
I was paying a high premium on insurance and Saga Home Insurance seemed to be a lot cheaper for similar cover. When I queried my access I was unhappy to be told they had added a £200 endorsement which with the £100 buildings excess and £50 contents excess gave me total of £350 no way would I have agreed to take Saga insurance if this had been explained. I have since listened to the conversation I had over the phone and the way they told me about the £200 was unclear. Not once was I told... (read more)
Written on: 06/03/2009 by Janypem
Avoid Saga Home Insuranceif you think that you will ever need to claim off your home insurance. (read more)
Written on: 14/12/2008 by elizabee
poor customer service with staff. Be very careful with Accidental Cover on your contents it appears Saga will say yes to paying out, then send you the cheque only to be followed 2days later by a letter saying this was sent in error and for it to be returned!!!! (read more)
Written on: 14/10/2008 by thegaleys (1 review written)
Hi, I got burgled on 7/10/08. Contacted saga same day, window in french doors boarded up by homeserve in under 2 hours. Man from loss adjusters turned up today. Never having had a claim for about 12 years I expected hassle and arguement. There was absolutely none. He agreed all goods will be replace by specialist companies and a damaged hardwood floor needs replacing in it's entirety due to the damage(i was expecting them to reccomend a coulored pen and some filler!) They really have made... (read more)
Written on: 06/10/2008 by joan2 (1 review written)
Having recently claimed following a theft from a utility area of two electric bikes Saga passed on the claim to Halfords for resolution, who then returned this to Saga as they do not sell such bikes for cash resolution, Saga now state this theft is not covered by the policy. This is despite this question specifically being asked when taking out the policy and being told everything in the utility and shed were covered. I am very aggrieved and will be looking elsewhere for cover. Be very... (read more)
Written on: 12/08/2008 by rhiannonjane (1 review written)
I would strongly advise against home insurance with Saga. After a storm last week and flooding in our home Saga instructed Asprea to deal with our claim. They sent two workmen 2 days later to do emergency repairs to make the roof watertight. The workmen were here 5 minutes and advised it wasn't and insurance 'job' and left us 'high and WET' and did not attempt any repair. 7 days and many downpours later we are still mopping and trying desperately to get repair done ourselves. How they could... (read more)
Written on: 09/07/2008 by chrisgooch (1 review written)
Appalling, would seriously advise against using Saga. The only contractor used by Saga in the south east seems to be Asprea. When I had a water leak recently Asprea were so unhelpful I chose to use my own builders. Saga were only prepared to pay just over half the claim even though the estimate was not unreasonable. I am now waiting for a reply from them - no acknowledgement yet despite writing a month ago. (read more)
Written on: 10/11/2007 by warlord2000ad (9 reviews written)
This insurance is done by my mother as its for the over 50's only. I personally recommend anyone who can get it, to get it. As its excellent value for money, the people are friendly on the phone and English speaking. They are very considerate when you need to make a claim and have been a god send for us on at least 2 occasions. (read more)
Written on: 18/04/2005 by woolymeasles
Saga seem to specialise in renewal quotes averaging a 50% increase, be it for home or motor insurance.
My renewal quote was for 413. I phoned, asked for same cover at same address and it went down to 310 just lie that as Tommy Cooper used to say. Two year earlier I had same experience with motor insurance. (read more)
Written on: 25/01/2005 by SPORTSMAN (5 reviews written)
The 'cheap' Saga Home Insurance quote is so basic that it's hardly worth having. To get what you want, they then quote rates that can be obtained from many other companies.
I lasted 12 months before I moved on to a more sensible company.
Worst of all is their continual junk mail once they have your name - it continues relentlessly for years and years. (read more)
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