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#Post#: 116227--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: DWMB2
Date: April 17, 2026, 5:17 pm
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Apologies NewJudge for the 'dumb' rating - fat fingers and now I
can't undo it!
#Post#: 116230--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: Southpaw82
Date: April 17, 2026, 6:24 pm
---------------------------------------------------------
--- Quote from: DWMB2 link ---
>
> Apologies NewJudge for the 'dumb' rating - fat fingers and now
I can't undo it!
>
--- End Quote ---
You’re fired! 🤣
#Post#: 116234--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: roythebus
Date: April 18, 2026, 1:49 am
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In that case why was the February payment not taken? How about
the March payment? Don't waste your money on lawyers, the court
outcome will be the samel
#Post#: 116237--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: mickR
Date: April 18, 2026, 2:45 am
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is there a case for reasonable expectation of cover? evidence of
Auto renew, "your covered" emails.
in these circumstances would most people bother to check the
payment had gond out? even if it hadn't a delay on behalf the
company to collect the money shouldn't negate cover surely??
#Post#: 116240--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: mikerc1000
Date: April 18, 2026, 3:11 am
---------------------------------------------------------
Hi MickR,
There are two online statments from Saga that point to my
expectation:
FAQ On their website:
HTML 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
#Post#: 116268--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: sparx
Date: April 18, 2026, 6:42 am
---------------------------------------------------------
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.
#Post#: 116273--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: mikerc1000
Date: April 18, 2026, 8:28 am
---------------------------------------------------------
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
#Post#: 116274--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: Southpaw82
Date: April 18, 2026, 8:55 am
---------------------------------------------------------
--- Quote from: sparxy link ---
> 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.
>
--- End Quote ---
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.
#Post#: 116277--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: mikerc1000
Date: April 18, 2026, 9:25 am
---------------------------------------------------------
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
#Post#: 116279--------------------------------------------------
Re: Caught No Insurrance IN10 but have email from Saga saying
"your covered" - URGENT
DIR By: andy_foster
Date: April 18, 2026, 10:06 am
---------------------------------------------------------
--- Quote from: Southpaw82 link ---
>
> 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.
>
--- End Quote ---
*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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