Safeguard vs SAGA

Discussion in 'Motorhome Insurance General Discussion' started by Braunston, Nov 16, 2009.

  1. Braunston

    Braunston Read Only Funster

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    Hi,

    Its that time of year again, motor home insurance renewal.

    Just received my renewal notice from Safeguard who we have been with for the last 4 years and the premium has not changed a lot in that time this year its £375 last year it was £365 and the year before it was £400, so not a lot of change,

    However, as always, I have checked around and this time for what appears to be very similar cover, albeit I have limited my mileage as Safeguard are unlimited, SAGA are offering it for £290 with there European breakdown cover,

    My question is do any of you know any reason why I shouldn't swap to SAGA, any information would be helpful

    Thanks

    Braunston
     
  2. AdgeRas

    AdgeRas Read Only Funster

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    Hi.

    I know I am not choosing between SAGA or Safeguard, but have a look at this.

    'Insurance Factory' I am insured with AXA throug the insurance factory. I got quotes from about 11 places and the AXA one at £191 (NO breakdown cover as I want to use ADAC) is defo the best in my mind.

    0800 112 4887 choose the option for 'classic cars and motorhomes' then ask for Stuart James. You dont have to ask for him, but he was very friendly and bothered to make sure he gave a good service.

    ADAC is the German version of the AA / RAC. You can get all that RAC and AA offer within the UK and mainland Europe, including home start, and full recovery, but instead of the £200 per year that the RAC want, I am paying about £70 to ADAC. If you serach 'ADAC' on the forums you should find more about it on there.

    Hope it helps.

    Adge
     
  3. vwalan

    vwalan Funster

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    hi, i would say swap. i have been with both but found saga is a better wider policy. also issued a proper green card when visting african countries. saga were very helpful when i was hit by a drunk driver in portugal. there agent there did a very good job in chasing the claim . here my vehicle was repaired sucesfully and i can recomeng saga to every body over 50yr old. sadly they no longer insure 5ers so i had to move my business to camptons. they doseem helpfull aswell.
     
  4. bevo

    bevo Read Only Funster

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    hi braunston
    i've just renewed mine with saga.
    the quote through the post was £330, i wasn't happy with that so i phoned them and got the price down to £265.
    it pays to haggle
     
  5. hilldweller

    hilldweller Funster Life Member

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    You have a chance of ringing Safeguard and telling them the Saga quote and getting that price if you want to stay put.

    Check the excess figures on both.
     
  6. madbluemad

    madbluemad

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    Slightly off topic but whats the wisdom of telling an Insurance company the details of any other quotes you may have.

    Jim
    :Smile:
     
  7. bevo

    bevo Read Only Funster

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    insurance is a cut throat buisiness, and if you say you can get a better quote they sometimes try to beat that quote
     
  8. highwayman

    highwayman Funster Life Member

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    we used to be with Safeguard, then we found the same cover for half the price with
    RH Specialist insurance, 01277 206912
    Been with them eversince. :thumb:
    Only because they're the cheapest :Wink:



    regards......nige
     
  9. madbluemad

    madbluemad

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    What I mean is if you tell an insurance company how much you have been quoted they are less likely to reduce their amount by too much (maybe?)

    Jim
    :Smile:
     
  10. wiljoy

    wiljoy Funster

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    Hi mate,
    It's rip off time for the insurance renewals.
    I to was with Safegurad for nearly 12 years that is until Swinton took over then service became only a word and price increases were the norm.
    After having two cars with Saga I changed to them, brilliant and very little of the conmans small print to trip you up. I have also taken out there recovery for UK and Europe. My request for any length or weight restrictions was, no limits or small print to catch us out.
    Would advise a check round but Saga will take some beating.
    Good Luck,
    Wilf
     
  11. Bulletguy

    Bulletguy Read Only Funster

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    No reason at all. If the cover is better or as good as and the price lower, then why not?

    I would have insured my camper with Saga but for one reason. They will not cover any mh or camper to use as an everyday vehicle to commute to and from work, and I needed that. But they gave by far the lowest quote.

    But when comparing other quotes make sure it's on a like for like basis and also that a lower quote gives you the same protection. Some years ago I jumped at a low car insurance quote and like many, never bothered to read the small print on the policy. I soon found out why the quote was so low when I had an accident and the excess was £400:Eeek: Ironically I had gone years without having any claims whatsover!
     
  12. Lincolnshire Rover

    Lincolnshire Rover Read Only Funster

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    Its the same for me Safeguard v Saga my renewal has just arrived from Safeguard £369 ,but after I spoke to them low and behold , because I have been with them over 2 years there is a "NEW" £25 cash back on renewal strange that as I had not heard of it before I rang them making it £345 , did a quote with Saga £292 but the big difference being with the added legal cover Saga UK only , Safeguard UK / Europe considering we use our MH 75% in Europe I think Safeguard may be more beneficial in a claim situation in EU . All other quotes I obtained were on parr with Safeguard or more expensive.often with a higher excess as well .
     
  13. froghopper

    froghopper Read Only Funster

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    hi its froghopper, at the great malvern show i met the people from campton,
    from godstone in surry, 1999 auto cruise starfire, unlimited mileage, just abouit every thing covered, awning, t v. chairs etc. fully comp, protected no claims and wait for it, full breakdown cover, home start, relay, overnight accomadation, you name it, PLUS
    full continental cover multi trip, up to 30 days any trip, i67pounds for van, 61 pounds breakdown, all the help i needed, no questions un answered, beat that.
    i would like to say i have no connection with them, nor do i know anybody who works for them,, :thumb::Laughing:
     
  14. wiljoy

    wiljoy Funster

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    Hi Braunston, I have been with Saga for over 5 years now and glad of it. Was with Safeguard for over 10 years until Swinton took over then wam went the prices along with lots of inclusives I dont need.
    Don't hesitate, why get ripped off.
    Wilf:thumb:
     
  15. Wildman

    Wildman Read Only Funster

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    I find it strange that Saga is for the older set, however they only like young motorhomes, hee hee.
     
  16. 1948

    1948 Read Only Funster

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    I can only tell my own experience,
    Been with Saga for approx 10yrs motor insurance between 4 to 2 cars, during which time I had 3 accident claims, fault/no faults between family members, My claim experiences were very, very poor, Last claim was in 2008 and it was the finally straw that breaks the back and I left Saga soon after and will not use them again. I now realise that you only find out how good a company is when you ring them or make a claim.
     
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