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Saga: Home Insurance reviews

Name: Home Insurance
Rating: 4.81 (2634 reviews)

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4.63

Based on 2,634 reviews, last reviewed 5th Mar 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

89%

Latest highest rating:

5

GREAT DISCOUNT. I CONTACTED SAGA WHEN MY RENEWAL WAS DUE AND THEY GAVE ME £30 OFF THEIR RENEWAL PRICE Reviewed on: 6th October 2024

Latest lowest rating:

1

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 b... Read more Reviewed on: 5th March 2025

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About this product

Are you looking for a new home insurance policy? Check out the reviews on Smart Money People to gain insight into your potential new provider. Our Saga home insurance reviews are left by genuine existing customers to help you make an informed decision when taking out your policy.

Saga offers a variety of insurance products, with a range of home insurance policies to choose from. You can purchase individual contents and buildings insurance policies, or combine the two. There is also the option for a three year fixed-price policy. Saga offers additional levels of cover designed with those aged over 50 in mind.

Before taking out a new home insurance policy, understand what you require from the cover. Will you combine contents and building insurance, or instead purchase them separately? Decide what’s best for your circumstances, then find a suitable provider that can meet your needs. Check out our Saga home insurance reviews to see how policyholders rate the service they have received.

Have you had a home insurance policy with Saga? Share your honest experience with others on Smart Money People. Why did you choose to insure with Saga, and would you renew your policy? Did you combine your home insurance policies and did you manage to secure a suitable level of cover for your needs? Were you satisfied with the price of your premium? Did you opt for Saga’s over 50s cover, and if so, how have you found it? Did you have to make a claim on your policy, and if so, how was it dealt with? Whether good or bad, write a Saga home insurance review today. Together, we can help people like you make better decisions.

Saga Home Insurance reviews (2634)

Review of the Saga, Home Insurance:

No fuss & fast payment

Really nice to deal with, no fuss & fast response to my claim Reviewed on: 29th September 2021

Massive 45% hike in Premiums - what a RIP off

We took out Saga home insurance in 2022. Both my husband and I are between 50 and 60 and work. We live in a nice area of Hertfordshire and have not claimed in 30 years. Our renewal came last year and the premium had gone up 45%. I called to query it, bearing in mind that inflation had got to 15% during 2023 and was told the price reflected the fact were were in a high crime area !! We went else where. We had also put my 93 year old mother-in-law with Saga at the start of 2023 because they looked competitive. And her renewal arrived last week with the premium almost 50% more. She has never claimed. She doesnt go on holidays so the house is never left alone. What a rip-off. We moved her to More Than for half the price and better cover. Reviewed on: 18th January 2024

Frustrating

They made you waiting hours, with music. The claims does not want to give what the write in the contract. Imposible to get in coctat with the company. Always making mistakes. I will never make any insurence with them. Naither trips. They ignore you. Reviewed on: 6th December 2023

Exorbitant Renewal Quote

£134 year one-Year 2 quote £371. Ludicrous. Many providers quoting same as first year price. absolute joke. Reviewed on: 6th December 2023

Awful customer service

tried 9 times to cancel my fathers home insurance due to the huge increase in premium, could never get through. They sent a letter saying they couldnt take premium due to outdated bank details then took it anyway!! as the bank allowed them to do so. Kept trying to contact them still couldnt get through so raised a complaint and it has currently taken nearly 2 months to get anywhere close to getting a refund and now they are demanding further details. They use confusing and bullying systems and there is no way my father, who has dementia, would be able to negotiate his way through them. Utter disgrace Reviewed on: 16th November 2023

Absolutely rubbish when making a claim

Absolutely rubbish when making a claim. I phoned 3rd October 23, to make a claim about a leak as I had the accidental cover, a plumber came round and said he will order the parts and fix it the following week. Almost 4 weeks have gone by and many calls later to complain about the service and no fix. They sent a plumber in 26/10/23 and "stated its a new job and not authorised to fix it! What is going on with Saga!! need help please- totally rubbish service for the over 50's!! Reviewed on: 26th October 2023

Unjustified increase in premium

Renewal premium more than double. Rang and said I have just one question. The call handler clearly knew what I was about to say. Could not give me and reasonable answer about such a massive increase. Found it cheaper elsewhere BUT the real joke was that they used the same insurer as Saga! This was for landlord insurance and early this year Saga did the same with my car renewal! Reviewed on: 26th October 2023

Day three of Home Emergency and still not fixed.

My kitchen sink was blocked and I phoned Saga Home Emergency. I got through to the number listed but was then put on hold for ages to report problem. Within six hours a plumber arrived, but despite working on the sink for 3 hours, he could not resolve the problem. Day 2: hearing nothing from Saga, phoned, 45 mns wait to speak to someone. They said they would send plumber back and asked me to hold on whilst they checked something. Call cut off. I phoned back three hours later: 54 mns on hold. Told earlier call not logged. Then that as original plumber had sought extra payment, and had not quoted for follow up they had to wait for that to be done. I made a formal complaint. Day 3: Nothing until 4 p.m. when I got a text telling me my case had been resolved. Now on hold trying to speak to an actual person. Result: Stress and frustration. If SAGA cannot perform this basic emergency service, why are they offering it? Reviewed on: 25th October 2023

Incompetent

Horrendous increase + 3 times increase. Customer service - polite but less than helpful. I paid outright but they still set up a renewed DD. ( fuming). Cancelled. But dubious they have implemented the cancellation! I do NOT recommend Saga! Reviewed on: 18th October 2023

Massively overpriced

Renewal 64% increase to £1200 . ‘Compare the market’ had several quotes of around £200 for similar cover levels. Customer for 13 years and have clearly allowed myself to be ripped off by not changing insurer Reviewed on: 14th October 2023

Appalling service

We had a burst pipe in the roof space 15 December 2022. We told driers needed before any repair work. . No driers installed until 15 March. No plasterers or decorators were able to come until 25 May, after that it 6 weeks before light fittings replaced. Arranged to get carpet quote ourselves and saga to reimburse us 15 July. Work all finished August. Total of 50 phone calls, numerous emails, many unreturned phone calls. Had a letter of apology from Saga for long delay, and overall lack of communication. Was sent a bouquet of flowers plus £350 compensation. However had still to pay total of £550 excess and renewal of insurance had gone up £100. Haven't a good thing to say about my dealings with Saga house insurance. Reviewed on: 11th October 2023

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