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Saga: Home insurance reviews

Name: Home insurance
Rating: 4.8 (2707 reviews)

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4.70

Based on 2,707 reviews, last reviewed 3rd Nov 2025

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

89%

Latest highest rating:

5

WEB SITE EXTREMLY EASY TO USE. WEB SITE EXTREMLY EASY TO USE. GOT THE RIGHT COVER FOR ME WITHOUT COSTING A FORTUNE. GREAT VALUE FOR MONEY. LOW OR NO EXCESS ON MY POLICY, COULD CHOO... Read more Reviewed on: 14th October 2025

Latest lowest rating:

1

Think of a number and double it . Just received my renewal it has increased by more than double .Great difficulty contacting them to cancel and get written verification,, received v... Read more Reviewed on: 3rd November 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.

Saga Home insurance reviews (2707)

Review of the Saga, Home insurance:

Woefully poor emergency claims experience

We are in the middle of an ongoing and still unresolved EMERGENCY PLUMBING CLAIM after four and a half weeks. The Claims team don’t understand about basic customer service, saying they’ll get back you and then nothing happens so we always have to phone them - our phone time to them is now about ten hours. They use an emergency plumber that you can’t contact over the weekends. You can’t ever speak to the same person twice even if you have their name, neither will they give you the Network Manager’s name or contact details nor put you through to anyone who can actually make a decision. It’s “not their protocol” apparently so you’re at the mercy of one of 80 telephone operators who aren’t allowed to make decisions and just sound bored as they repeat ad nauseam “there’s nothing I can do”. I actually doubt the Network Manager exists, because they should have contacted us yesterday and we’re still waiting. They also demonstrate poor competence - they arranged for a second plumber to contact us; heard nothing so we phoned them - turns out they don’t even do the type of work we need and had told Saga that but Saga didn’t bother to let us know. Our claim has been escalated to the invisible Network Manager so now no one in the Claims team can do anything apparently, not even to arrange for another (third or fourth by now?!) plumber - meanwhile we’ve been 4 and a half weeks without water! We have lodged our complaint and were supposed to have heard from the Complaints team on Monday - to date have heard nothing. I can’t find anything about their emergency KPIs, probably because they know they won’t meet them. Meanwhile the leak is getting worse, we are STILL awaiting a plumber (great emergency service!) and this claim is costing Saga more by the day due to their total incompetence. Reviewed on: 5th March 2025

Rip off merchants

If your over 90, elderly and with a terminal illness. Don’t use Saga. From the moment the plumber arrived it went downhill. Disgusting service. If my mam didn’t have family with her god knows how she would have survived. Reviewed on: 22nd October 2022

Great Customer Service

Nothing is too much trouble and they're happy to explain everything in detail Reviewed on: 13th October 2022

Uncaring and incompetent

Take too long to approve and then incapable of getting repairs done in a timely manner Reviewed on: 17th September 2022

Disingenuous and dishonest and try their best to avoid making progress with a claim

They were happy to take money from me for years and increase my policy cost at renewal. When I put in a claim in 2021, they did everything they could to delay getting anything done. They would just send people round to take a look at the job and cost it up, but no one did anything. They also asked me to find people to cost up too. I gave up in the end and cancelled my policy and went with another company. Reviewed on: 5th September 2022

Emergency? What emergency?

No electric--box kept tripping and couldn't isolate the problem. Fridge freezer rapidly defrosting, rang Saga 'emergency line' hung on for 8 minutes only to be cut off. Rang back hung on for another 8 - you guessed cut off! Tried once more .. no reply after 10 minutes. Phoned a friend. will cancel policy tomorrow Reviewed on: 24th August 2022

Perfect for what we wanted

Freezing prices for three years was avery good deal Reviewed on: 29th July 2022

Steer well clear of Saga insurance. Appalling service!

On Friday Feb 18th, storm Eunice brought our gable wall down at 1.30 p.m. I telephoned Saga at 3 p.m. the same day and was told someone would phone me back within 24 hours. They didn't. Even though the cavity wall was exposed, nothing was done to protect it. It took 45 days, a series of phone calls, often waiting for up to 2 hours, and dealing with agents Working from Home, none of whom were credible. We were passed on endlessly to other names, but always had long waits on the phone. In all, I spoke with 17 different people, and each one wanted to start from scratch again. Turns out that in our case, Saga use underwriters called Acromas, who were just as inept in dealing with us and they in turn used a company called Davies to investigate our claim. Just as inefficient as the others! Obstructive is the only word to describe all three organisations. To add insult to injury, when I complained to Saga, the complaint of poor service was "Not Upheld" because they claimed that the damage was caused by exceptional and unexpected weather. I pointed out that storm Eunice was well forecast, both in terms of timing and severity, for over a week which should have given Saga et al the opportunity to ensure that they had sufficient staff working to handle claims. NEVER EVEN CONSIDER USING SAGA INSURANCE PRODUCTS. ..... and a last comment. My neighbour who suffered no damage at all in the storm, was telephoned by her insurers, (Churchills), to see if she had suffered any damage and how they could help. Another neighbour received a text message the day after the storm offering help if it were needed. Reviewed on: 7th May 2022

rip off

trying to charge for renewal not wanted or asked for Reviewed on: 27th April 2022

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

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