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Saga: Home insurance reviews

Name: Home insurance
Rating: 4.8 (2688 reviews)

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4.67

Based on 2,688 reviews, last reviewed 11th Sep 2025

4500% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

89%

Latest highest rating:

5

A great choice Excellent value, reputable company, good customer service. Reviewed on: 11th September 2025

Latest lowest rating:

1

7 years loyalty results in 97% premium increase Annual renewal premium suddenly jumped up by 97% despite no changes in my circumstances or risk. Reviewed on: 22nd August 2025

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About this product

Saga provide home insurance policies that can cover buildings only, contents only or both combined.

Saga offers two levels of cover, Saga Plus and Saga Select. With Saga Plus, you can expect to pay the same price for 3 years if there are no changes, even after most types of claim. If you cancel during the year, you won't be charged a cancellation fee.

Saga home insurance reviews help you find out what it’s really like to be a customer. If you’ve used Saga before, you can also leave a review and share your experience.

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Saga Home insurance reviews (2688)

Something Changed

It appears Saga have either changed underwriters for insurance or they have made a corporate decision to refuse claims. The ratings over the last 6 months are abysmal. Saga are a sales agent the underwriters are being obstructive with claims and extremely difficult. Reviewed on: 26th April 2022

Sales operator sub let insurance.

Failed on security qustions when trying to make a claim. Did i have contents and buildings cover answered yes. No i didn't not with Lloyds building insurance as contents underwritten by a different company ? Finally spent 2 hrs on phone with person trying to tell me i wasn't covered as leak on roof was prior to new policy, then went to check what the rainfall was for my area a month before. Then offered a survey to establish when leak occurred by a company with 50no 1 star ratings about refusal to support claims. It appears my home insurance isn't worth the paper it's written on as a phone operator working from home thinks my leak started prior to their responsibility. How do i know im not a roofer and don't climb into the loft on a daily basis. 21/2 to 3hrs still not resolved. Avoid like the plague, home working has a lot to answer for. Reviewed on: 26th April 2022

Total rip off

After being with saga for over 10 years had to do a new home insurance policy as debit card had expired they charged me over £34 for cancellation fee which I didn't cancel my policy and then wanted more than twice as much money for the same policy total rip off now gone with another company even cheaper same cover Reviewed on: 2nd April 2022

Absolutely First Class performance

I had a leak in the pipe going into my mains tank and made a claim on their Home Emergency policy . The problem was found late on a Saturday evening and I rang Saga claims 9 am Sunday morning. The claim was logged and I received very informative texts as to progress and when a plumber should call. A very competent tradesman called the same afternoon, who quickly isolated the fault and repaired it completely. A perfect and speedy resolution. Thoroughly recommend this company, their brilliant attitude and attention to their customer. Reviewed on: 6th March 2022

Penalised by them and they're SLOW.

Had to claim for a garage fire - which started in next door's garage. The fire was six months ago. Repairs have NOT started yet. Policy is due to renew in two days time and Saga have increased the premium by more than 50% - talk about adding insult to injury! Reviewed on: 19th February 2022

Mis-sold policy

We took out a policy on the 26th November 2021 online and this was followed up by a Saga sales agent about 20mins later to go through everything to make sure everything was correct. During this call we requested additional options including boiler and heating cover as their Home emergency Cover. I clearly remember the call and was advised it was an extra £39.99 which we agreed to. Needless to say took out the policy on this basis. Today went to put in a claim for boiler which started leaking and they said it wasn't covered, looked through the schedule and can clearly see Home Emergency is covered however not the heating and boiler or annual boiler service as requested. After requesting a copy of the telephone call with the sales agent they tried to say that seeing as it was setup online it wasnt added which is when I mentioned one of their sales agents called up pretty much straight after setting it up which is when this was added. In short don't use this company and if you do ensure that you record the telephone call as it is very clear that they will do anything to get out of you making a claim. Needless to say a subject access request has gone in for access to that telephone call. Reviewed on: 6th January 2022

Still waiting - 2 months later

I started a claim for a leak on 04/10/21. To date several people have been to our house to cost up the job but no work undertaken and the leak still exists. Pushed from pillar to post when you try and contact the people involved. Thoroughly unimpressed. Reviewed on: 9th December 2021

quick enough taking your money but when you put a claim in they will do anything not to pay you out.

The worst company I've ever had to deal with. they take six days to answer your questions then they will do their utmost to get out of paying out for a claim. Reviewed on: 4th December 2021

A company that does not settle a claim

My parents in their 80’s were burgled in July. All relevant police reports a receipts we produced for evidence. Every piece of documentation from photographic evidence, police reports, original receipts and full disclosure reports were submitted. The company is still stalling to make any reparations and settlement. Customer service has been appalling with us constantly chasing our claim. This company is more than happy to take your payment, but God forbid you place a claim through your household insurance the obstacles place before you to impede payment are unimaginable. We have now been waiting over 5 months for any action to be taken. For an incident that had taken place in July there is a strong possibility this will still be unresolved before the end of 2021 ! An appalling company to make a claim from. Avoid should you need to make a claim. Reviewed on: 23rd November 2021

Extremely poor and unsatisfactory claims process, which they "outsource" to other insurers and then do nothing to help to resolve

Absolutely rubbish at resolving a simple water pipe leak. And all those people who say the process of insuring with Saga is simple - why yes it is! But wait until you have a claim that gets messed up by their insurance partners.and they absolve responsibility..... 5th September to 17th November seems an awful long time to fix one internal water pipe leak! And given now that the inaction has destroyed most of the fitted bedrooms furniture (valued at £39k), the whole hall, one shower room, the family bathroom, the kitchen and utility room (another £29k) and we have been moved out since the end of September and are looking at at least another 6 months!!! I would not wish that on anyone, let alone two pensioners with chronic health conditions the impacts of which have been reported to all insurers involved from day 1! As of 22nd December 11am, still no satisfactory resolutions. Reviewed on: 22nd November 2021

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