Travel Insurance - Avoid SAGA

PaulThePayn

You've planned and booked your holiday with SAGA and paid the premium for your Travel Insurance.
So you can sit back, knowing your covered now...    WRONG!
SAGA Travel insurance doesn't start until you close the door behind you and actually set off at the start of your holiday.
If anything goes wrong before that you are not covered.
See Clause 16 on page 5 of their insurance document

Ayr_Rage

Please cut and paste the information that contradicts this from their FAQs

With a Saga Travel Insurance policy, cancellation cover starts from the date you take out the policy or book the trip. In the unfortunate event that you have to cancel your holiday, our policy can offer up to £10,000 cancellation cover. Maintaining continuous cover with an annual policy could give you the freedom to book last minute trips.

Westin

That seems very strange. Can you do as @Ayr_Rage asks and post a link to the section you mention.  Are you sure your are interpreting the policy terms correctly?

maman

Might @PaulThePayn inadvertently have put the date of his holiday as the start date of the policy? 🤔

Caz3121

Single trip or annual. Single trip gives cover from when you purchase. Annual policy gives cover from the date you request the policy to start - but no cover before that date

Westin

maman said:

Might @PaulThePayn inadvertently have put the date of his holiday as the start date of the policy? 🤔

Hmmm. Possible.

Ayr_Rage

With an annual policy in place cancellation cover will start from the date you book the trip unless you have requested the policy to start coincident with the date of travel.

sheramber

PaulThePayn said:

You've planned and booked your holiday with SAGA and paid the premium for your Travel Insurance.
So you can sit back, knowing your covered now...    WRONG!
SAGA Travel insurance doesn't start until you close the door behind you and actually set off at the start of your holiday.
If anything goes wrong before that you are not covered.
See Clause 16 on page 5 of their insurance document

Since we cannot see your document please copy and paste or quote the clause you are referring to 

DullGreyGuy

Are you possibly talking about this policy:

https://travel.saga.co.uk/-/media/acromas/sagatravel/files/travel%20insurance%20policy%20booklet/csb-tr3045_holidays_cruise_policy%20booklet.pdf 

No idea how up to date it is or not however it has the kind of wording you are talking about. 

PaulThePayn said:

If anything goes wrong before that you are not covered.

You are correct and wrong at the same time... the Travel insurance starts once you leave home even though it's a single trip cover however the Travel Insurance doesn't include cancellation cover. 

If you look at the Saga T&Cs you will see by buying their Travel Insurance they modify their T&Cs (https://a.storyblok.com/f/250263/x/67b3cb063f/book-cond-4pp-sagatours-2023.pdf section 14) so that you get additional cancellation rights under your booking that would typically be under the terms of your insurance.

The one downside of this model is that the cancellation cover isn't part of the insurance policy so no ability to escalate a complaint to the Financial Ombudsman if you disagree with their decision.