Better Health for All

Saga's core purpose is to serve the needs of people aged over 50

, with health impact central to its strategy . Its health insurance products offer significant benefits, including 24/7 GP service , mental health support , MSK Direct Access , and comprehensive cancer care . The company has comprehensive mental health programs for employees, including counselling services and the Unmind app , and for customers, offering Mental Health Direct Access and financial cover up to £2,500 per year . Saga demonstrates exceptional healthcare data responsibility, holding ISO 27001 accreditation and reporting no substantiated customer privacy breaches or data losses during the year . Risk transparency is strong, with detailed disclosures on health insurance exclusions and underwriting methods , supported by a robust internal risk management framework . Saga maintains a strong safety record for its cruise vessels , with no reported environmental fines or penalties and no significant instances of non-compliance . The company provides comprehensive health education, with 95% of colleagues trained on the 'basics of ageing' and health-related content delivered through its magazine and digital newsletters . Saga reports no revenue from products with negative health outcomes, and its operations do not involve health innovation investment, health externalities, health equity programs, healthcare workforce support, pharmaceutical patents, or addiction potential.

Fair Trade & Ethical Sourcing

Saga states zero occurrence of forced labour, slavery, or exploitation of children, and maintains a zero-tolerance approach to such incidents.

No significant instances of non-compliance with laws or bribery rules were recorded during the reporting period of 1 February 2024 to 31 January 2025. The company conducts proactive risk assessments for new suppliers and re-examines existing suppliers for modern slavery risk every three years.

Honest & Fair Business

Saga reported no incidents of breach of corruption or bribery rules or policy, and no significant instances of non-compliance with laws and regulation attracting regulatory fines or other penalties during the 2023/24 and 2024/25 reporting periods.

However, the company made two financial restatements: one for Scope 1 emissions for the 2023/24 period and another for passenger figures from a discontinued offering in the prior year, averaging one restatement per year over the past two years. Saga has a comprehensive, group-wide Anti-Bribery and Anti-Corruption Policy, approved on March 27, 2025, which upholds the UK Bribery Act 2010. This policy requires annual training for all colleagues and includes due diligence for high-risk transactions and partners, with Internal Audit periodically reporting on its application. The company also maintains 'Speak Up' procedures and a policy for colleagues and contractors to raise concerns, including an independently facilitated online portal and telephone line with anonymity, and a Non-Executive Speak Up Champion on the Board. The Audit and Risk Committee reviews these arrangements annually to ensure independent investigation and appropriate follow-up action, and states no colleague will suffer adverse consequences for reporting.

Kind to Animals

Saga, a service-oriented company primarily in travel and insurance, does not engage in activities such as animal testing, animal agriculture, or the use of animal-derived ingredients, rendering many animal welfare metrics not applicable. The company actively engages in wildlife conservation through partnerships.

Saga has an ongoing 15-year partnership with marine conservation charity ORCA, providing cruise ships for ORCA to monitor marine mammal populations and habitats. This collaboration has led to the sighting of tens of thousands of animals over the years, with over 3,000 individual animals, including 1,800+ common dolphins and 32 fin whales, sighted in 2021 alone. Additionally, Saga partners with Kent Wildlife Trust to restore and protect local habitats and wild spaces. The company also offers nature and conservation holidays that involve activities like monitoring native birds and animals.

No War, No Weapons

Saga PLC operates primarily in the travel and insurance sectors, and the provided articles contain no evidence of its involvement in defense procurement.

Therefore, the KPI for procurement humanitarian compliance is not applicable to its core operations in the context of the 'No War, No Weapons' value. All other KPIs related to arms contracts, dual-use technology, sales to embargoed regimes, peacebuilding investment, conflict divestment, board oversight of defense, export end-user certificates, lobbying, human rights due diligence in conflict areas, Arms Trade Treaty compliance, AI military safeguards, UN Guiding Principles alignment, dual-use screening, surveillance transparency, ethical red lines, exposure to controversial weapons, war-risk audits, annual conflict partner reviews, defense divestment, conflict minerals, peace tech investment, conflict zone procurement, and ethical red lines compliance rate lack specific, concrete evidence in the provided articles and are thus omitted.

Planet-Friendly Business

Saga's total Scope 1, 2, and 3 greenhouse gas emissions for 2024/25 were 277,612 tCO2e, representing a 12.14% annual decline from 315,959 tCO2e in 2023/24.

The company is committed to the Science Based Targets initiative (SBTi) and plans to develop a net-zero pathway and set a near-term (2030) carbon reduction target by December 2025, with validation pending. The stated net-zero target year is 2050, with interim targets currently being developed. In the fiscal year ending January 31, 2024, 1.198% of total operational energy consumption was sourced from renewables. No significant instances of non-compliance with environmental laws or regulations, including no environmental fines or penalties for its cruise vessels, were recorded in 2024/25. Saga has published TCFD reports, completed climate change scenario analysis aligned to TCFD recommendations, and links 5% of C-suite and board-level monetary incentives to TCFD scenario analysis outcomes.

Safe & Smart Tech

Saga's minimum data retention period tends to be seven years.

A 2019 review of GDPR/PECR risks identified a need for improved business awareness and clarified responsibilities, despite the company complying with UK GDPR principles and being registered with the ICO. The company uses automated decision-making for pricing, fraud prevention, and marketing, providing general descriptions of decision factors. On the positive side, Saga's Information Security function is accredited to the ISO 27001 standard. Users have comprehensive control over their personal data, able to update marketing preferences via MySaga or phone, and possess statutory rights including access, correction, erasure, objection to processing, restriction of processing, data portability, and withdrawal of consent. An information security testing program, including penetration testing over critical assets, benchmarks highly against industry standards.

Zero Waste & Sustainable Products

Saga has implemented five waste reduction initiatives, including reducing single-use plastics on vessels, introducing plastic-free wrapping for Saga Magazine, collaborating with its cruise supply chain to reduce plastic packaging, reusing or recycling 72 tonnes of office furniture, and donating 3.2km of marine rope for reuse.

The company has a waste reduction target included in its absolute emissions target, aiming for a 90% reduction from a 2023 baseline by 2050. Saga's Supplier Code of Conduct describes expected environmental behaviors for entities supplying products or services to the Group. No environmental fines or penalties have been imposed on Saga's Cruise vessels.