Environmental, Social and Governance

Meaningfully differentiated products for people over 50 are central to Saga’s success. During the year, we:​

We are proud that 78% of customers determined the ease of dealing with Saga as ‘extremely easy’, up from 74% in the previous year. Additionally, our transactional net promoter score (tNPS) for the Group sat at 67, which is an improvement on last year's result of 59.

Saga strives to create a culture of belonging that unites different backgrounds, beliefs, abilities and experiences, in an environment where everyone feels valued and able to work together. Our DEI&B Policy sets the foundation as to how Saga raises awareness of fairness and equality in our working lives and the responsibility to create an inclusive environment​

To review our Board, executive management and all-colleague diversity statistics, please refer to page 48 of our 2026 Annual Report and Accounts here. To read more about our gender pay statistics, please refer to our 2025 Gender Pay Report here.​

We are incredibly proud of our colleague networks. During the year, we saw strong traction from our Women’s Network, which launched a mentoring programme promoting shared learning and connection building across the organisation.​

In addition, the Women’s Network held lunch and learns on topics ranging from pensions to women’s health. We continued our partnership with Working Together and Welcome to all in Hospitality, Travel and Leisure (WiHTL), which is the collaborative community devoted to increasing diversity and inclusion in hospitality, travel and leisure.​

Our Proud Network launched its podcast series called ‘Uncomfortable Questions’, which included a variety of topics from pronouns to allyship. To celebrate Pride, our Proud Network hosted an in-person event with external speakers.​

At Saga, we believe our multi-generational teams are the key to our success. Our people make us special and we are determined to support them through the variety of phases in life. We have continued our pledge as an Age Friendly Employer and plan on continuing to implement best practices within our workforce.

Our Group Health, Safety and Wellbeing Policy and Policy Statement outlines how we comply with health and safety legislation, regulations, standards and good practice to protect our colleagues, customers and stakeholders. Our established Occupational Health and Safety Management System explains how we deliver the obligations set out in the policy and provides our core principles of health and safety management. We seek to empower our colleagues to be proactive and uphold these specific requirements to ensure continual improvement in performance. ​

In 2025, we focussed on ensuring we supported our teams and their wellbeing. Every fortnight, we share a ‘Wellbeing Wednesday’ message through our communication channels. In addition, we hold a monthly wellbeing hour, which is led by our qualified mental health first aiders. This is a safe space where colleagues can share concerns or seek support. In July 2025, we hosted a wellbeing day, focussed on a variety of elements of wellbeing, including financial, physical and mental wellbeing. ​

Saga is a proud menopause-friendly employer. Our Menopause Policy is supported by an internal dedicated support group, which regularly meets to share awareness. In addition, we have a men’s café, which is designed to create a supportive environment for men and for promoting mental health and wellbeing.

We have proudly continued to support local community events. This included our continued sponsorship of the Folkestone 10k event, which each year sees hundreds of keen runners taking part and raising money for charities. Saga also sponsored South Kent Mind’s Firewalk, with some of our colleagues joining the event by walking on fire while fundraising to support the provision of mental health services across Kent.​

We have also continued to engage with customers through fundraising events on board our cruise ships, which include raffles, auctions and coffee mornings. This collaborative approach brings customers, colleagues and the community together to support the causes they care about while creating positive, lasting impact beyond our business.

Saga continues to support the UK Government’s commitment to net zero by 2050 and we are committed to taking responsibility for our impact. We have an actionable roadmap with meaningful targets that support our aspirations to achieve net zero emissions. We are continuing to monitor our carbon emissions through the calculation of a complete scope 1-3 carbon footprint. Due to the changes in how we operate across our Insurance business, we spent 2025 understanding how this impacts our carbon footprint. This enabled the development of a net zero roadmap. We identified that emissions associated with our Travel business now represent the majority of our carbon footprint and are, therefore, central to our decarbonisation efforts.​

To ensure we are focussing these efforts, we have created an internal working group, the Travel Environmental Group, who have established initiatives and identified potential decarbonisation actions, internal key performance indicators and targets to shape our net zero roadmap. Moving forward, we will continue to solidify this roadmap across the group and expand on this through future reporting.​

Through engagement with the business and understanding the materiality of our carbon footprint, we have identified the following principles as key to the formation of our net zero roadmap:

Our Board has ultimate responsibility for the Company’s risk management, internal control and risk culture. It is also responsible for regularly reviewing the effectiveness of risk management and control systems, ensuring that there is an ongoing systematic process for identifying, evaluating and managing the emerging and principal risks faced by Saga.​

Risk maturity is measured, and all business units (BUs) seek to continuously improve their maturity over time, in line with the targets set. Risk objectives are set for all members of the Operating Board, with an end-of-year assessment against the achievement of these objectives.​

Saga developed its risk management framework to best suit the diversity of its BUs, regulatory requirements and industry standards. This ensures the required levels of risk maturity are maintained in our financial services businesses, while enabling Travel to place more focus on the risk framework elements which are appropriate for their business. For further details on risk management please refer to our 2026 Annual Report and Accounts.

Under Saga’s Modern Slavery Statement, each business area is required to risk assess all new suppliers before operating with them. It is also a policy requirement to carry out follow-up risk assessments with existing suppliers every three years to assess the potential of any residing risk. ​

Due diligence is conducted on our suppliers to help determine our future relationship with that supplier. It is policy for all new agreements with suppliers to be in writing and contractually oblige the supplier to comply with the Modern Slavery Act.​

It is the responsibility of each business area to attest continued compliance with Saga’s Modern Slavery Policy annually. Any areas of non-compliance are reported through the governance framework to the appropriate executive committee and Board, where appropriate.  ​

We support flexible working and have continued to be a Real Living Wage employer, reflecting our commitment to ensuring that all our colleagues receive a fair wage that meets the cost of living. ​

Our Labour Standards Statement was refreshed in 2025 and describes our principles-based approach to ensuring fair labour standards for our workforce. These include a commitment to delivering decisions and actions that uphold the right to freedom of association and collective bargaining for all our colleagues.