Free Traffic Legal Advice

Hi
Thank you for your responses.
This thread can be deleted now. I am just going to take the fine.
Regards
Mikerc1000

Hi BertiB.

Saga are dealing with the complaint. Already decided to move to another provider and just waiting on confirmation of my no claims bonus with Saga. Decided to hand this off to a specialist legal company.
Your members have been helpful just to confirm I am not insane here.

Regards
Mikerc1000

Hi Manx Tom,

A complaint has been lodged with Saga.

I denitely received a your covered email. when ai followed the kink later. the policy documents were not visible.

I did manage to see the updted quote on the day and downloaded it. It had a document number to help saga it team track down the pdf.
The issue is:
They sent a "your covered" email 27 dec but did not back it up with documents.

I am stuck here until Saga admit the IT admin error or produce the policy documents.
Regards
Mike

Hi MikeR,

Here ia a copy of the renewal storeed on the portal. Whaen i tried to access it again. I could not find.
Here is the exact wording:
24 December 2025
Dear xx
Time to renew your Saga Standard car insurance as your
policy expires soon - renew before 16 January 2026 to stay
covered
Thanks for choosing Saga to insure your AUDI A4, registration number
xxx this year. Your policy is due to renew on 16 January 2026, and
we've enclosed your new Schedule.
Your renewal price for the year is xxxx with monthly payments of
£xx.xx. This includes an 11.2% credit charge of £xx.xx (26.6% APR fixed).
You'll find details and a representative example in your Schedule. Last year
your policy cost £xxx.xx
Please review your level of cover to ensure it still meets your needs.
You may be able to get the insurance cover you want at a better price if you
shop around. Please remember to make sure the other cover is comparable
to your Saga policy, which includes many great features and benefits.
At Saga we have 3 Comprehensive cover levels that can be tailored to suit
your needs and budget: Standard, Select and Plus. If you'd like to discuss
the different options call us on 0800 904 7908 and we will help you find the
cover that is right for you.
Just so you're clear about your cover, please take a look at your Schedule.
Your new policy also has a higher excess. This is set out in the excess
section of your Schedule.
One, two, renew
You pay by Direct Debit so unless those details have changed your policy
will renew automatically. If you do need to change your payment method,
please go to saga.co.uk/mypolicy or call us on 0800 904 7908 at least five
days before 16 January 2026.
1.
Check the Schedule. Any changes or mistakes? Then please let us know
or correct them.
2. Please keep these documents somewhere safe, along with the policy
book we previously sent you – please let us know if you need a new one.
Remember you can review and change your details 24/7 after renewal at
saga.co.uk/mypolicy
CAR INSURANCE
Renewal invitation
Your reference number
xxxx
Access your policy online
24/7 to renew, review or
make changes by visiting
saga.co.uk/mypolicy
Any questions? Call us
0800 904 7908
We've always
got time for you:
Monday to Friday 8.30am to
8pm, Saturday 8.30am to
5pm and Sunday 9am to 5pm
Some highlights
of your policy
Uninsured driver cover- As long as you get their
vehicle details you won’t
lose your NCD or pay any
excess on a claim.
Guaranteed replacement
car - We’ll lend you a
courtesy car if yours is
being repaired by a garage
in our network.
You don't need to do
anything as your policy will
be renewed automatically.

Payment will be taken 5 days before your renewal date. If you wish to cancel and prevent payment from being
taken please get in contact at least 5 days before your renewal date.
Got a question about renewing your policy or want to discuss different cover options with us? Please call
us on 0800 904 7908. We're here to help if you want to change your details, update your communication
preferences, or if you experience any financial concerns. You can also update your communication
preferences at saga.co.uk/mysaga
We look forward to providing you cover for another 12 months

I will send you the full document by private message.

The More I read into it. The more detail I get. This quote was not sent by ltter mail or email. It was only total luck that I found the document in my downloads folder. I must have clicked on it around 24 Dec.
Regards mikerc1000

No Feb payment did not go out. But no email to say any dd issue. No letter either.

Was on a Direct Debit. Monthly and renewal quote stated:
One, two, renew
You pay by Direct Debit so unless those details have changed your policy
will renew automatically. If you do need to change your payment method,
please go to saga.co.uk/mypolicy or call us on 0800 904 7908 at least five
days before 16 January 2026.
1. Check the Schedule. Any changes or mistakes? Then please let us know
or correct them.
2. Please keep these documents somewhere safe, along with the policy
book we previously sent you – please let us know if you need a new one.
Remember you can review and change your details 24/7 after renewal at

On saga Site it states:
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.

Kicked myself for not checking if Feb 2026 paymwnt had gone out DD still in place.

Hi Everyone I need some urgent help.
Caught by Thames Valley police with No insurance. They showeds me online MIB result.
Been sent a NIP dated 24 March 2026.
sent proof that i recived a "your Covered" email on 27 Dec from Saga.
Can send any copies if you want to see it.
Was calling them on 24 Dec to reduce my monthly costs to third party only.
Recieved "your covered email" on 27 Decand waited until 21 jan to renew my car tax. Figured that if old policy expierd on 16th Then when I updated applied on DVLA it would check MIB and issue tax if I passed.
Called saga to speak to agent that took my call. She has left the company. Lodged complaint with Saga. Asked them to produce voice recordings.When I spoke to agent.

Taking this to court but a 65 year old pensioner on universal credit. Very Worried as lawyers quoting me over £1300 just to write to thames valley and get the case dismissed before even going to court.
Need any help you can provide. Hear good things about this forum.

Regards
Mike