Free Traffic Legal Advice

Hi MickR,

There are two online statments from Saga that point to my expectation:
FAQ On their website: https://www.saga.co.uk/car-insurance/faqs?srsltid

How do I renew my policy?
You will be sent a renewal invitation at least 21 days before your renewal date. Your renewal invitation will then also be available for you to review and renew for home and motor policies on MySaga. If you pay by Direct Debit or set up a continuous payment when you took out your policy, don’t worry we will automatically renew it for you.


Once I've purchased car insurance how can I get my policy documents?
We automatically send an email with a link to your documents so that you can review and download them at any time. They will be added to your MySaga account within 24 hours. If you have requested for your documents to be sent out to you in the post, you should receive them within three to six working days.
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Now Read the renewal email from Saga:
You're covered - here are your Saga insurance documents
From
documents@saga.co.uk
on
2025-12-27 07:58

Next
This is an automated email. Please do not reply as this in an unmonitored inbox and your message will not be seen.
Your reference number: xxxxxx
Dear Mr M xxx
Thank you for contacting us about your Saga car insurance policy.
Your amended renewal documents are now available to view. Please usethe link below and check your documents carefully to make sure that alldetails are correct and you have the cover you need.
If any of your information is incorrect or you have any questions regardingyour policy, you can make a number of amendments online, 24/7, by usingour online portal by clicking on the MyPolicy link below. Alternatively
chat online
with our specialist insurance team, or call us on
0800 056 9128
. Lines are open between 8.30am and 8pm Monday

I can forward the email to show you it is authentic.
Regards
mikerc1000

Looked at renewal quote and can send it

Road tax expired on 31 Dec 2025. Long Car MOT Fix meant could not renew tax until 21 Jan. (Took that long to get part from germany)
Will send your car tax confirmation. on private message + anything else you need- also sent saga renewal letter

Hi To be accurate.

wanted to reduce my existing saga policy and called them on 24th dec 2025.then again on 27th dec 2025.
recived a "your Covered email on 27 Dec"

Stopped by Police on 23 March 2026. Showd me the MIB result showing no insurance.

Original Saga Policy Was third Party Fire & theft. Due to expire on 16 Jan 2026.
Called in december to reduce policy costs.
got an updated quote and called them back to accept it on 27 Dec.
MIB checked with Saga who profess no record of the renewal conversation. can private message you with saga email and copy of updated renewal quote.
got re[ply from police on further invetigstion with MIB. can send that separately.

Regards
Mike