saga travel insurance contact email

At Saga we pride ourselves on looking after our customers and we are here to help you with any enquiry you may have.

Need to get in touch? Below, you'll find our contact details. You can also use Manage my booking to pay your balance, book our car service and more.

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Answers to common questions can be found in our FAQs .

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For European and long-haul holidays: 0800 9885 886

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HelloSafe » Insurance » Companies » Is Saga a Good Insurance Company? » Saga Login and Contact

Saga: Login, Contact and Phone Numbers

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Table of Contents

You would like to get a quote, log in to your Saga account, make a claim, or contact Saga for whatever reason?

You’ve come to the right place.

You will find below any information you need to log in, contact, claim or cancel at Saga.

How do I get a quote at Saga?

To get a quote from Saga, nothing could be simpler.

Use our comparison tools, 100% free and anonymous and get quotes within 20 seconds from Saga and other best providers of the market.

You could also go on Saga homepage and click on the Get Quote button.

>> MORE: Our review on Saga

How do I contact Saga?

How do i contact saga car insurance.

You will find below all main helplines related to Saga car insurance and their opening hours.

How do I contact Saga travel insurance?

You will find below all main helplines related to Saga travel insurance and their opening hours.

How do I contact Saga home insurance?

All contact details for Saga home insurance are mentioned below.

What are Saga general contact details?

How do i login to saga my saga.

You can log in to your customer portal MySaga through MySaga Log in .

The same link will be used to log in or to register as a new customer. You must use the email address you gave to Saga when you purchased your policy from them.

You can only register if you are 50 or older.

How do I register as a new client on Saga?

Click on the My Saga Log In button mentioned above. The same link is used to log in to MySaga account or to register. If your email address is not known, you will be asked to follow the creation account process.

How do I login on My Saga Saga if I've forgotten my password?

If you've forgotten your password, just click on the forgotten your password" button and follow the whole process to reset one.

• Enter your email address you've used for subscription
• Enter your date of birth
• Wait for your new temporary password to be sent by email.

Where to find my Saga policy number?

Good to know.

Your policy number is a unique identifier, associated with your insurance policy. A policy number is always assigned to a specific individual by your insurer, once you have purchased an insurance.

Saga will identify your account with your policy number. You will always be asked to provide it when you report a claim, cancel or modify your policy or for any other matter.

Your policy number is mentioned on top of your Saga policy schedule. Your policy schedule is usually sent by mail, email, or accessible through your customer portal.

How do I make a claim at Saga?

You will find below any information you need to know to report a claim at Saga.

How to claim on your Saga car insurance?

You can make a claim on your Saga car insurance policy by calling the number below.

How to claim on your Saga travel insurance?

There are 2 ways to make a claim: online or by calling the claims team.

How to claim on your Saga home insurance?

You should check first on your Saga home insurance policy schedule and check whether you are covered or not. If you are covered, you will find in your policy documents the right phone number to call to claim on your home insurance. Note that all Saga claims lines are opened 365 days per year, 24 hours a day, UK-based. The claim process is very straightforward.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How do I cancel my Saga policies?

How to cancel saga car insurance.

You will find below main information to cancel your car insurance policy at Saga:

How to cancel Saga travel insurance?

You will find below main information to cancel your travel insurance policy at Saga:

How to cancel Saga home insurance?

To cancel your Saga house insurance, here is what you need to know:

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

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Saga travel insurance review: What do you get for your money?

Saga travel insurance is seen by many as the best option for over 50s. On the surface, it appears to offer everything from single trips to annual travel insurance, flights and cruise travel insurance and more. But what exactly does Saga travel insurance cover? Does Saga travel insurance cover pre-existing and long-term medical conditions? How much flexibility is there on premiums?

Saga travel insurance: FAQs

Does saga travel insurance cover issues relating to covid-19.

Thankfully, Saga reacted quickly to the challenges of Covid-19 and the potential for significant additional expenses. Whether you require treatment, other accommodation or repatriation, there is specific cover available .

Do Saga holidays include travel insurance?

All holidays booked directly through Saga include the option of comprehensive travel insurance . However, where you choose to take travel insurance from another third party, this will be reflected in the reduced cost of your Saga holiday.

Can I add others to my Saga holiday insurance?

There is the option to add others to your Saga holiday insurance policy . For example, where you take out a multi-trip policy, not only can you add family and friends of any age, but you don't need to travel together.

While many well-known travel insurance companies today have little history, this is not a criticism anyone can aim at Saga . Saga was founded in 1959 with a simple focus: to cater for over 50s regarding insurance, holidays, financial services and healthcare. The fact that Saga travel insurance is, for many, the first port of call today says everything about the company's reputation. While we are focusing on travel insurance, it's worth noting you can obtain other types of cover such as home and car insurance through Saga.

Let's look at  Saga travel insurance , how much it costs, how flexible cover is, and the company's approach to existing medical conditions.

Whether you're looking for single-trip, multi-trip, or specialist cover, or need assurance about pre-existing medical conditions, our panel of travel insurance providers has you covered. Click on your chosen provider below to get started.

• Some restrictions based on age

Do I qualify for Saga holiday insurance?

As we touched on above, Saga is focused on an array of different services for over 50s. Consequently, to qualify for Saga holiday insurance, you should:

• Be at least 50 years of age
• Live in the UK
• Disclose any pre-existing medical conditions

While Saga will not request a medical certificate or direct advice from your doctor, the onus is on customers to be truthful when completing the online or telephone medical questionnaire. If medical information has been withheld, this may invalidate your cover.

Unlike many travel insurance providers, Saga has been able to keep things relatively simple and avoid customers having to overcome numerous hurdles. When it comes to regulatory cover, as a provider of insurance products, Saga travel insurance is covered by the Financial Conduct Authority (FCA).

Different types of Saga travel insurance

Two central travel insurance policies are available with Saga, single trip travel insurance and annual multi-trip travel insurance. Note there is no upper age limit with Saga travel insurance products.

Saga single trip holiday insurance

While the Saga single trip policy only covers you for a single trip, this can include multiple destinations. Cover is valid for one trip a year, up to a maximum of 120 days, which may include an array of leisure activities. Compared to other insurance providers, Saga single trip policies can be a little more expensive. Still, you get what you pay for - as demonstrated by reviews on the Defaqto and Trustpilot websites.

This insurance product offers comprehensive cover that includes:

There is also a 24/7 travel helpline and the ability to add friends and family under 50 to your policy. While the above figures are standard, you can increase and reduce different types of coverage to lower the cost of your Saga insurance premiums.

Saga annual holiday insurance

As you would expect, Saga annual travel insurance policies offer precisely the same cover as the single trip policy. However, you're covered for multiple trips, up to 45 days per trip, for up to 120 days per year.

Worldwide travel insurance

When you begin to dig a little deeper, you become aware of the flexibility available with Saga travel insurance. There are three primary levels of cover:

• Worldwide excluding USA, Canada and the Caribbean

If you are travelling predominately within Europe, European-focused travel insurance is cheaper than the worldwide cover. As we go through the various elements of Saga travel insurance policies, you will become aware of the enhanced degree of flexibility.

As a side note, more relevant with the onset of Covid-19, you would not be covered for countries listed as dangerous on the UK government  travel advice website . So it is essential to keep up with the latest news.

Medical conditions

Unlike many travel insurance companies, Saga does not exclude any  pre-existing medical conditions  when offering comprehensive cover. Consequently, Saga holiday insurance is very popular with over 50s, the company's prime target market. At times, the cost of Saga travel insurance policies can sometimes appear higher than others in the marketplace. However, it is important to compare like for like. Not all travel insurance companies will offer the same level of comprehensive cover for over 50s.

When obtaining your travel insurance quote, you will be asked to complete a simple health screening review online or over the phone. This ensures Saga is aware of any potential medical issues, thereby ensuring your policy remains valid.

Awaiting results of medical tests

Unfortunately, if you are awaiting the results of medical tests, you will not be able to secure cover. However, as soon as you receive the results, you will be free to apply for cover, whatever the condition.

Am I covered for Covid-19 with Saga travel insurance?

Saga travel insurance covers you for the following scenarios:

Cancellation of holiday

In the event of a positive coronavirus test within 14 days of your travel commencing, for either:

• A close relative
• A member of your travelling party

You will receive a payment covering:

• Unused travel expenses
• Accommodation
• Planned excursions
• Prepaid charges
• Other contracted payments

Abandonment

If you are forced to cut your trip short because of a positive test for Covid-19, you will receive payment for expenses as detailed above. The test could relate to you, a family member, someone you are staying with or a member of your travelling party.

Emergency medical expenses/repatriation

We only need to look at additional expenses incurred when receiving Covid-19 related treatment in the UK to appreciate overseas fees and the cost of repatriation. For example, Saga travel insurance includes up to £10 million in medical expenses and repatriation costs should Covid-19 impact you. In addition, the traditional £5,000 health insurance-related cover for UK holidays has been increased to £2 million due to the coronavirus pandemic.

As discussed above, Covid-19 related travel insurance cover will be invalidated if you travel to a country subject to UK government restrictions. Therefore, when taking out your Saga travel insurance, it is essential to discuss your travel plans and how they may or may not be impacted by Covid-19. Take nothing for granted!

Standard features of Saga travel insurance policies

On the surface, Saga travel insurance products may seem a little more expensive than other insurance providers. As ever, the devil is in the detail. It is only when you dig a little deeper that the differences become apparent. We will now expand on the earlier list, which shows the standard features you can expect for single and multi-trip insurance cover:

Alternative accommodation

You can claim up to £5,000 for alternative accommodation and transport costs should any of the following impact you:

• Natural disasters such as earthquakes and hurricanes
• Insolvency of the provider
• An outbreak of food poisoning
• An episode of infectious disease

The fact that this is standard for all Saga travel insurance policies should give you peace of mind.

Transport issues

If your scheduled airline goes out of business before or after departure, an additional £1,500 is available to cover alternative arrangements.

Enforced stay

In the event of an enforced stay, you can claim £100 for each 24-hour delay, up to a maximum of £1,500. This may involve difficulty:

• Reaching your destination
• Returning to pre-booked accommodation
• Returning home

If after 24 hours you're forced to make alternative arrangements, getting to your destination/returning home, you can claim expenses of up to £1,000.

Missed departure

There is also cover available if you miss your departure for any of the following reasons:

• Public transport delays
• Delay to a connecting flight
• Denied access to your flight (overbooked)
• Vehicle breakdown or accident on the way to the departure point

Up to £1,000 is available for extra accommodation or travel costs required to get you to your final destination.

If you are forced to abandon your trip due to unforeseen circumstances, Saga covers you up to £10,000. This can be used to reimburse unused travel and accommodation expenses and other prepaid charges. You are also covered for new flight tickets home.

Saga travel insurance helpline

As part of the comprehensive cover offered by Saga, you'll also have access to the Saga travel assistance helpline 24/7. This worldwide service offers assistance about an array of issues, including:

• Replacement of passports, driver licenses, air tickets and other travel documents
• Tracing luggage if lost or delayed
• Contacting your local embassy/consulate
• Sourcing additional funds from the UK if required
• Guidance and assistance for your family if you are admitted to hospital
• A "phone home" service if you are detained for medical treatment
• Translation/interpretation services if required

It is fair to say that considering the numerous elements of cover provided as standard by Saga travel insurance policies, together with the helpline, this is a comprehensive offering.

How much does Saga travel insurance cost?

One of the benefits of Saga travel insurance is that you can mix and match, and there is excellent flexibility with no upper age limit. For example, a 60-year-old individual looking at a self-catering holiday to Spain would expect to pay around £33 for single trip cover. However, this would increase to just over £60 for Saga's annual holiday insurance cover.

These two premiums are based on:

• An excess of £150
• £10,000 of cancellation cover
• No winter sports
• No additional travellers

There are also other policy elements that you can remove, increase or decrease depending upon your requirements. For example, you may not require any medical cover if you already have overseas medical insurance through another party. If you are uncertain about the level of cover you need, speak to a Saga representative on the telephone. For those who are clear about their requirements, there is an online system where you can get a quote 24/7.

Does Saga travel insurance offer value for money?

If you look at the Trustpilot and Defaqto review websites, you will see that Saga travel insurance for over 50s has received high praise indeed. Whether it is the fact that existing medical conditions are catered for, the vast range of standard cover or the flexibility available, Saga travel insurance is extremely popular. Consequently, it is safe to say that independent third-party feedback from policyholders suggests Saga offers good value for money.

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Saga Travel Insurance Review: Nice Features and No Upper Age Limit

• Insuring older travellers
• Covering end supplier failure
• International flight delays
• Including baggage, personal belongings, trip delay/cancellation/curtailment
• Insuring trips in the UK
• Reimbursing for lost rewards points

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

Compare Cheap Travel Insurance

Protect your holiday today. Quick quotes from 20 insurers.

Saga offers one, simple travel insurance plan to those over 50 years of age (with no upper age limit) when you buy direct and one different plan (that is cheaper but with less coverage) through comparison sites. We like that Saga includes cover for End Supplier Failure , some catastrophe cover and a higher level of Personal Belongings/Baggage cover on all policies (plus Golf). Another stand-out perk is that travellers whose international flight is delayed more than an hour can benefit from access to a LoungeKey airport lounge (part of Trip Delay cover)—if you bought direct from Saga and not via a comparison site.

In This Review

• Customer reviews
• Saga Travel Insurance Price Comparison

Notable Features

• Saga Travel Policy Limits and Coverage Options
• Comparing Saga to the Competition
• Saga Travel Policy Wording and Claims

Saga Travel Insurance Review: What You Need to Know

Saga keeps the insurance-buying process easy by offering one comprehensive tier of Travel Insurance, and they now offer special cover related to Covid-19. Strong customer reviews make a further case for buying a Saga policy, in addition to some solid features.

Policies include Trip Cancellation, Emergency Medical, Trip Delay/Missed Departure, Legal Assistance, Personal Accident, Personal Belongings and Golf cover. Those who like to ski can add Winter Sports cover for an additional cost. Not surprisingly, the cost of the Winter Sports add on rises quickly with age.

Anyone planning a longer trip can extend the maximum trip length to 90 days, but only if you are travelling outside the U.S.A., Canada, Mexico or any Caribbean Islands. If you’re travelling to those countries then the maximum trip length is 45 days on an Annual, Multi-Trip policy or 120 days under a Single Trip policy.

Those who struggle with sitting in an airport for hours may like Saga's Delayed Flight Assistance, which gives you access to an airport lounge if your international flight is delayed for an hour or more. This feature provides a bit of peace of mind and comfort for international travel—be sure to pre-register your flights with Saga ahead of time to be eligible for this perk—but this is only available on policies bought direct from Saga, not a comparison site.

Those going on a cruise can get cover for cabin confinement, emergency airlift to hospital, missed port and unused excursions. To learn more about market prices please see our article Average Cost of Cruise Travel Insurance UK .

Does Saga Travel Insurance Cover Trips in the UK? Holidays in the UK are covered under Saga policies, so long as you stay in pre-booked holiday accommodation or the accommodation of a relative or friend who resides in the Channel Islands for at least 2 consecutive nights (Annual, Multi-Trip policies only) or 1 night (Single Trip). However, note that some features are not offered for UK trips and coverage limits may be lower.

Pre-Existing Conditions: Saga may be able to offer cover for your pre-existing medical conditions, buy you may pay a higher premium. Pre-existing conditions are only covered if they've been declared by you and accepted by Saga. As part of the online quote process you can declare your conditions to see if cover can be offered, and for what cost.

Over 65s: There is no upper age limit for Saga Travel Insurance policies; there is, however, a lower age limit of 50 years of age. This age limit only applies to the main policy holder—other travellers you add to your policy can be of any age. There is no upper age limit for Winter Sports cover, but Winter Sports premiums will rise with age .

Insuring Other Travellers: Those you’ve listed on your Annual Multi-Trip policy can travel independently (without you) and still benefit from the same cover as you. This cover extension does not apply to Single Trip policies.

Covid Cover: Saga now offer cover for cancellation or abandonment if you receive a positive test result in writing for Coronavirus within 14 days of your trip’s departure date, as well as emergency medical cover and repatriation if you fall ill with COVID-19 while on your trip.

Covid-19 Cover

Saga now offers cover for cancellation or abandonment if you have a positive Coronavirus test result within 14 days of your departure date. Plus you get emergency medical cover and repatriation if you fall ill with Coronavirus while you're on holiday. Read more here about Saga's Covid cover.

Here is a sample of some of the coverage you get (and don't get) for Covid from Saga travel insurance before you travel:

Saga Travel Insurance Key Points

• Travel insurance for those at least 50 years of age (no upper age limit)
• Annual, Multi-Trip cover for trips up to 45 days each (total 120 max days per policy year)
• Single Trip cover up to 120 days
• Includes End Supplier Failure, Catastrophe, Baggage, Golf, lounge access for int'l flight delays, etc.
• Optional extras: Winter Sports and Hire Car Excess Waiver
• Average 25% discount online
• Choice of excess on direct policies of £70, £150 or £250

Saga Insurance Customer Reviews

Over 38,000 customers have awarded Saga plc a solid 4.3 out of 5 on Trustpilot . Common themes amongst the comments were good value (cheap prices), easy-to-use website and friendly/knowledgeable staff on the phone lines. This rating reflects Saga as a whole, not just their travel insurance.

Here is a sample of the mostly positive experiences:

"What a quick, simple process. I had been told by friends this was the case and that I should try Saga for travel insurance first. They were absolutely right. I have already recommended Saga to my partner. In, fact, I would recommend Saga to anyone who asks." "I got my requested travel insurance at a fair price. I did have a bit of trouble with the web site, which might have been due to a poor connection. I used the 'chat' feature and got prompt and helpful advice." "I was so relieved that Saga made the application for travel insurance quite easy to do. I panicked when it directed me to open my banking app but I was successful with their directions and it was approved. I’m not that good on the internet and am 75 years old but got this done so am very happy." "Just organised travel insurance through Saga. So easy. Competitive pricing. Covers exhausting health issues. Excellent Service from Samuel. Have a policy that caters for my needs. It was easy to purchase. Samuel gave me sound advice. He was patient and courteous. Excellent customer service all round. I do have other insurance products with Saga. I do recommend their services both to family and friends. Thank you Samuel. You were outstanding. Good luck in your future career with Saga" "Fantastic service all round and great prices." "Excellent, as ever. Always good price and great service." "Brilliant trustworthy and always give the maximum help when you contact them. I will never change back to other insurers.... you need someone who really has your best interests at heart when things are difficult and are prepared to really listen and give support in any form. Top rating and then some!!" "I have tried to ring them 9 times, waiting in the phone for over 35 mins. Sent emails asking for someone to ring, that was 3 weeks ago, still waiting!" "We made a claim earlier this year for the theft of luggage on the travel policy. The amount offered in settlement we believe was unrealistic and unfair. After lodging a complaint and receiving a decision from Collinson Insurance, who act for SAGA we have made no progress towards a increased settlement figure. Perhaps we should have insured with Zurich as our traveling companions did who made a virtually identical claim and received a prompt and realistic settlement to their claim. Not recommended." "We had a travel insurance policy with SAGA Services, which we had to claim under due to C-19 in April 2020. On 11th June 2020, SAGA agreed the claim, by email, in full and promised to pay the amount due within 5 days. After 6 days we called them as no money had been received , they confirmed the claim and apologized for the delay. After 10 days we called back and they then said they had made an error , and despite them having sent an email agreeing the claim they were no longer going to pay it, as it had been an error. Since then I have written to the CEO's office twice and received two letters claiming it isn't their problem , as the mistake is with the insurance company. In short you can't rely on anything they say..."

Saga Travel Insurance Prices

While travellers of any age can get a Saga travel insurance policy, premiums rise significantly as travellers age—especially for worldwide coverage including the USA. To get an understanding of how age affects prices, we gathered sample quotes of Saga Travel Insurance across various age groups (50, 60, 70, 80 and 90 years of age).

Insurance quotes can vary significantly from day to day and according to your individual details, so please just use the pricing data in this article for general educational purposes only; your quotes may reflect a large degree of variation to quotes listed here.

Premiums with Pre-Existing Conditions

Travellers with Pre-Existing Conditions will pay more for travel insurance, in nearly all cases. The additional premium will depend on a lot of factors, such as your age, the geographic coverage (e.g. it's more expensive to cover medical conditions in USA than Europe), type of pre-existing condition (some are riskier than others), health history (e.g. were you a smoker? are you on new medication?), etc. Trips to Europe are more cost effective than the USA, when you have pre-existing conditions.

For instance, our data analysis of prices from the Saga website shows that common conditions of high blood pressure and cholesterol cost 38% or 51% more for a 70 year old going to France or the USA, respectively. And for someone who's had a heart attack, stent and heart bypass, the premium increases are 74% and 151%, respectively.

How Expensive is Saga Travel Insurance with Pre-Existing Conditions?

How much does winter sports add-on cost.

The cost of Winter Sports cover practically doubles with every decade of age. While Saga will sell Winter Sports cover to you regardless of age, it doesn't come cheap, especially for older travellers to North America. For instance, we found that Winter Sports cover for an 80-year old heading to Aspen would cost over £500.

After reading through the Saga travel insurance policy documents, we feel these are the most notable features. In addition, standard features like Medical and Personal Liability are also included on Saga policies, limits for which can be found below . For more complete details like inner limits and exclusions, please see the policy documents .

Types of Saga Travel Insurance Policies

Saga offers one level of travel insurance cover when you buy direct, and they offer one level of cover when you buy from a comparison site—but the limits vary between these two options. Policies bought direct are expected to be more expensive, because they have higher cover limits across many categories.

Regardless of where you buy, you can purchase as an Annual, Multi-Trip policy or a Single Trip policy.

Saga Single Trip: Saga Single Trip travel insurance covers trips up to 120 days abroad.

Saga Annual Multi-Trip: Saga Annual, Multi-Trip policies cover trips up to 45 days in length (with the option to extend to 60 or 90 days on policies excluding travel to USA, Mexico, Canada and the Caribbean Islands). Within each policy year, you can travel as many time as you want provided your total time abroad doesn’t exceed 120 days.

You can add Winter Sports and Hire Car Excess Waiver cover to all policies; Golf is already included as standard. Note, policies have lower limits/fewer features for UK-based holidays .

Cover Limits for Policies Bought Direct (Single & Annual Multi-Trip)

Cover limits for optional winter sports travel insurance (direct policies only), cover limits for saga golf travel insurance (included).

Please read some of our Travel Insurance Guides if you're trying to decide between Single Trip or Multi-Trip policies, learn about What May Not be Covered by Travel Insurance or decide if you Need Travel Insurance or Not .

How does Saga Travel Insurance Compare to Competitors?

To better understand the value of Saga travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

Saga Travel Insurance vs Direct Line Travel Insurance

Direct Line travel insurance plans include cover for End Supplier Failure and Natural Disasters, plus cover for the replacement cost of used points or miles in case of Cancellation/Curtailment for a trip bought with air miles or another rewards structure . While prices are a bit higher than average, according to our analysis, you are getting these extra cover features. One surprising extra is Baggage—you'll need to pay extra to cover your personal belongings as they're not included as standard. There is an upper age limit of 75 years old for Direct Line Multi-Trip policies; there is no upper age limit on Single Trip policies.

Bottom Line: If you book trips with miles, Direct Line might offer better cover since they reimburse for used miles/points if your trip is cancelled or curtailed.

Saga Travel Insurance vs AXA Travel Insurance

In our opinion, AXA travel insurance offers solid cover for reasonable prices. Insolvency, Baggage, Cancellation/Delay/Curtailment and Catastrophe are included on all plans. Single trip policies an upper age limit of 80 years; the age limit for travellers on multi-trip policies is 75 years old. There is no upper age limit for Winter Sports cover, other than the policy age limits mentioned above. AXA is another provider for which you can select your pre-existing conditions online without calling in to customer service.

Bottom Line: AXA might be another solid option for travellers in their 50s, 60s and 70s, who can benefit from a simply online system for notifying of pre-existing conditions.

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Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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Trump Gets Bond Deal to Ward Off $454 Million Judgment, for Now

The guarantee means that New York’s attorney general will not be able to pursue Donald Trump’s assets and bank accounts until Mr. Trump’s appeals are settled.

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By Ben Protess

Former President Donald J. Trump averted a financial disaster on Monday, reaching a deal that will spare him from paying a $454 million judgment in his civil fraud case while he appeals the penalty.

The lifeline came in the form of a bond that will prevent New York’s attorney general, who brought the lawsuit that led to the judgment, from collecting the $454 million until Mr. Trump’s appeal is resolved. The attorney general, Letitia James, accused Mr. Trump of fraudulently inflating his net worth by as much as $2 billion, and a judge ruled in her favor.

Mr. Trump secured the bond after an appeals court last week granted his request to lower the bond amount, setting it at $175 million and staving off a financial crisis for Mr. Trump. He otherwise would have had to post a bond for the full $454 million, which his lawyers declared a “practical impossibility.” Had he failed to do so, Ms. James could have frozen his bank accounts.

The clock had been ticking. When the appeals court ruled last week, it gave him 10 days to line up the bond, making Thursday the deadline.

The $175 million bond came from Knight Specialty Insurance Company, a California company that handles such deals. In providing the bond, which is a legal document, not an actual transfer of money, the firm essentially promised New York’s court system that it would cover a portion of the $454 million judgment against Mr. Trump if he loses his appeal and fails to pay.

Many details of the deal are private, but the former president most likely had to pay the company a fee and pledge cash and other liquid investments as collateral.

It was the collateral that prevented Mr. Trump from securing a bond for the full $454 million. Although Mr. Trump measures his net worth in the billions, much of that is drawn from the value of real estate, which bond companies typically don’t accept as collateral. While Mr. Trump had more than $350 million in cash and other liquid investments as of early this year, a New York Times analysis found, that was short of what he needed to secure the bigger bond.

His lawyers, after being spurned by more than 30 bond companies, recently cited “insurmountable difficulties” in obtaining the full bond.

Even to secure the $175 million bond, Mr. Trump probably had to dig deep into his reserves.

The terms may be costly, but Mr. Trump had little choice. Absent a bond, Ms. James could have moved to collect at any moment, freezing bank accounts and potentially starting the long, complicated process of seizing some of his marquee New York properties. She has suggested she would pursue Mr. Trump’s office tower in Lower Manhattan, at 40 Wall Street, a short walk from her office.

A spokeswoman for Ms. James, a Democrat, declined to comment.

Ms. James filed the lawsuit against Mr. Trump and his family business in 2022, accusing the former president of manipulating the value of properties to obtain favorable loan terms from banks.

The judge overseeing the case — there was no jury — ruled in Ms. James’s favor and came down hard. The judge, Arthur F. Engoron, imposed a $355 million penalty, which climbed to $454 million with interest added.

In a post on Truth Social on Tuesday morning , Mr. Trump vented angrily. “It’s supposed to be the other way around — you appeal before you pay,” he wrote.

Alina Habba, a lawyer for Mr. Trump, said in a statement that the former president “looks forward to vindicating his rights on appeal and overturning this unjust verdict.”

Mr. Trump had recently posted a separate $91.6 million bond in a defamation case brought by the writer E. Jean Carroll. The collateral he pledged to the bond company in that case was off limits for the civil fraud bond. Few people, even wealthy ones like Mr. Trump, need to come up with bonds this big, let alone two at once, and it was unclear whether he would be able to secure both before time ran out.

The bond, for now, clears one major liability from Mr. Trump’s legal docket, but many more problems remain. Mr. Trump, once again the presumptive Republican nominee for president, faces four criminal indictments in four different cities, the first of which is set to go to trial in two weeks in Manhattan.

In that case, Mr. Trump is accused of covering up a sex scandal during and after the 2016 presidential campaign.

Kate Christobek contributed reporting.

Ben Protess is an investigative reporter at The Times, writing about public corruption. He has been covering the various criminal investigations into former President Trump and his allies. More about Ben Protess

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‘Completely destroyed’: how a Halfords service left a car owner £2,000 out of pocket

A man was left in despair when his beloved Alfa Romeo was wrecked on a test drive by a staff member

A Birmingham man who took his beloved Alfa Romeo to Halfords Autocentre for a routine service has described his despair after it was written off on a test drive by a staff member, leaving him more than £2,000 out of pocket.

Ian Tubbs contacted Guardian Money when, rather than helping a customer whose car was “completely destroyed” in its care, Halfords refused to accept liability for the collision and the financial losses he suffered as a result.

Halfords initially stood by its employee’s claim that the car was being professionally driven at 25 mph, and that the damage to the vehicle was caused by a third-party vehicle hitting the customer’s car. Pictures of the car show the front driver’s side is completely smashed in and two wheels are missing.

“The whole thing has been a nightmare,” Tubbs says of the saga that began just before Christmas when he asked the Shirley Halfords Autocentre to service his cherished Alfa, which had cost him £23,000.

But rather than getting a call that evening to say his car was ready, the centre manager said his car had been in an accident, making it, he says, sound “as though it was no big deal”. However, on his way home from work, he came across the remains of his car, which he says had “clearly” been involved in a very serious crash.

He has since learned that the car clipped two other vehicles, and had travelled a further 50 yards after colliding with a tow truck. Only some railings that were damaged by the impact stopped the car from careering on to a busy roundabout.

The police on the scene told him that the driver, who was with another member of staff at the time of the crash, claimed he had been driving at 25 mph.

Tubbs says Halfords was unhelpful from the start. The collision happened on a Friday and it said the earliest it could supply a replacement car was Monday afternoon, forcing him to hire one to get to work.

An initial police report seen by the Guardian and shared with Halfords says witnesses describe seeing the car swerving in and out of traffic before hitting the kerb and then the railings. The driver and passenger then started arguing with the driver of a low loader who has blamed the Halfords driver for the collision.

Tubbs’s plight has only worsened. Halfords’ insurer, Aviva , offered him £19,000 for his car, upped to £19,500 after he complained – but still £300 short of what he believed to be its full value. His hire car had a puncture, resulting in a £600 excess payment.

The final indignity came when Tubbs questioned why his car insurance had risen £300 for the car he bought to replace the Alfa.

It turned out that his insurer had paid out two claims made by the owners of cars his Alfa Romeo had collided with before the ultimate crash. These claims were wrongly on his record and will push up his premium for several years.

“To this day I have had no meaningful apology, and no offer to compensate me for what happened,” Tubbs says. “I have had to overpay for my insurance, pay to take taxis to get around. I’ve lost £600 to the car hire firm, and spent time looking for another car. I have been really shocked by way Halfords has behaved,” he says.

However, after Guardian Money’s intervention Halfords has entered talks and is seeking to settle the matter amicably.

A Halfords spokesperson says: “We recognise the distress caused by the recent incident of a collision during a routine road test by our technicians. We followed the necessary procedures by notifying our insurance company. We’ve apologised to Mr Tubbs for the inconvenience caused and we’re working to resolve this matter directly with him.”

Halfords’ insurer, Aviva, stood by the value of the payout and said it would cover any expenses he incurred as a result of the collision. It is too soon to have established liability as it is awaiting the final police report, it said. It is also arranging that the claims paid out by his insurer be moved across to its books, meaning it will no longer be on his record.

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