3. Caught No Insurrance IN10 but have email from Saga saying "your covered" - URGENT
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Re: Caught No Insurrance IN10 but have email from Saga saying "your covered" - URGENT
« Reply #15 on: »
When was your call on the 27th December?

Big (poorly designed) corporate computer systems normally have a flaw where one piece won't talk to another quickly - systems sending letters and emails sometimes being one of them. So it is possible that perhaps your auto-renewal has been cancelled, and the policy has not been put back in place for some reason (or a computer error has occurred At this point). The renewal email was already going to wing its way to you. Have you actually paid anything for Jan's cover?

Have you, at any point, had sight of an insurance schedule or certificate? For instance, attached in the renewal email?


IMO you should send a SAR to Saga NOW including a request for call audio recordings, transcripts, or both if held, along with policy inception/expiry dates etc. I would also lodge a complaint with them regarding your renewal email.

None of this solves the current legal issue of holding no insurance at this point, but if Saga were to admit they made an error, they can confirm cover was actually in place at the time, giving you a defence.
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Re: Caught No Insurrance IN10 but have email from Saga saying "your covered" - URGENT
« Reply #16 on: »
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

« Last Edit: Yesterday at 02:59:45 pm by mikerc1000 »
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Re: Caught No Insurrance IN10 but have email from Saga saying "your covered" - URGENT
« Reply #17 on: »
Quote from: sparxy on Yesterday at 12:42:53 pm
None of this solves the current legal issue of holding no insurance at this point, but if Saga were to admit they made an error, they can confirm cover was actually in place at the time, giving you a defence.
If no cover was actually in force at the time, does a retrospective acceptance of cover provide a defence (i.e. the accused cannot be convicted regardless) or just provide an excuse for the prosecution to withdraw the charge on the grounds of the public interest test no longer being met? There is a difference.
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Re: Caught No Insurrance IN10 but have email from Saga saying "your covered" - URGENT
« Reply #18 on: »
Hi Southpaw,
what is not explined by saga is that I got a "Your Covered" email on 27th Dec. it must have been triggered by the agent otherwise I would have not got the "your Covered" email. Unfortunately it did not have pdf attachments with the updated policy. It just had a link to go to the portal to view documents. I can email it to you as proof.

You are right, of course. This this not fix the original police stop which did include an MIB check at the roadside.
My defence was, I took the "your Covered" email literally.

Facing denial that my renewl activity atually happend. Called for the voice logs and suspect, I am up against a big corporate here.
If they just admidded it was an IT screw up or an agent error. Then I submit that to the police. No intention of pursuing Saga.
Already moved on to a more modern insurance provider.
Regards
mikerc1000
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Re: Caught No Insurrance IN10 but have email from Saga saying "your covered" - URGENT
« Reply #19 on: »
Quote from: Southpaw82 on Yesterday at 02:55:07 pm
If no cover was actually in force at the time, does a retrospective acceptance of cover provide a defence (i.e. the accused cannot be convicted regardless) or just provide an excuse for the prosecution to withdraw the charge on the grounds of the public interest test no longer being met? There is a difference.

*If* there was no cover in place at the material time, then the intended insurer saying that as no incident occurred they would be happy to nominally retrospectively indemnify against a non-existent liability, would not change the fact that cover was not in place at the material time.

However, I would argue that insurance is a contract, and therefore a matter of construction, not a matter for one party to unilaterally deny. If the parties have "agreed" that the policy will automatically renew, on the face of it that is executory consideration from both parties and a binding contractual term, subject to any cancellation clauses.

If the Financial Services Ombudsman were to order the insurer to retrospectively provide the cover it stated it would, then I would suggest that would be the equivalent of ab initio - meaning that cover was in place at the material time, for all practical purposes the same as if a court of law found that as a matter of construction the policy was in place. I would further suggest that as a matter of public policy, for the universal scam of default auto-renewal to be workable, the party imposing the clause cannot simply wash their hands of their own failure.
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Re: Caught No Insurrance IN10 but have email from Saga saying "your covered" - URGENT
« Reply #20 on: »
Quote from: mikerc1000 on Yesterday at 09:11:55 am
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.
-
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

So did you click on the link in that "You're covered etc..." email dated 27 December 2025?

Did it lead you to a certificate of insurance - or any other document - confirming your policy had renewed on 16 January 2026 and was valid until 16 January 2027?

I'm confused by a couple of things:

1.  You seem to say in another post that some documents or emails or notices have disappeared from the Saga portal but you've given a verbatim account of what they said.  Are you saying you saved copies before they disappeared?  (We're insured with Saga and I always save copies of everyhting from the portal).

2.  Did you actually check that the monthly direct debits were being taken after the renewal?

Having said all that if the renewal letter specifically said that as you paid by DD it would automatically renew without you needing to take any action, I would have relied on that
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  3. Caught No Insurrance IN10 but have email from Saga saying "your covered" - URGENT