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Modern Slavery Statement

Modern Slavery and Human Trafficking Statement – July 2021

  1. Introduction

    This statement is made on behalf of Saga plc (a public limited company listed on the London Stock Exchange, registered in England and Wales, with registered number 8804263) and its subsidiaries, as listed in Appendix 1, (together, “we”, “us”, “our”) pursuant to section 54(1) of the Modern Slavery Act 2015 (the “Act”).

    The Act requires companies to explain on an annual basis the steps taken to prevent acts of modern slavery and human trafficking occurring in their businesses and supply chains. This statement includes the steps we have taken during the financial year ending 31 January 2021 and builds upon the positive steps we have taken in previous years.

    We are committed to carrying on our business operations responsibly with a zero-tolerance approach to any slavery and human trafficking incidents which are proven to have taken place. We remain committed to acting ethically and with integrity in all business dealings and relationships and to implementing and enforcing effective systems and controls to ensure slavery and human trafficking do not take place in our own business or in our supply chains.

  2. About the Saga Group

    We provide products and services predominately tailored to members and other customers over the age of 50 in the UK. Such products and services include insurance, cruises and package holidays, personal finance and the Saga Magazine. Central to the success of each of these operations are our 2,740 employees, all of whom strive to deliver exceptional experiences to our customers every day. Our ‘Saga’ brand has been developed over the years to become a recognised and trusted brand among UK consumers aged over 50.

    The varied nature of our products and services means we purchase a wide variety of goods and services from suppliers within the UK and internationally. Therefore, our supply chain is large and complex, with each supplier often having its own supply chain.

  3. Risk Assessments

    We previously implemented a risk assessment process in respect of all our existing suppliers across the Saga Group in 2016. As part of our ongoing monitoring of our modern slavery risk, in 2019 we began the process of re-examining our existing suppliers across the Saga Group to assess the potential for any residual modern slavery risk. Again, our holidays and cruise operations were identified as carrying a higher modern slavery risk due to the vast number of locations in which we procure goods and services. All other areas were identified as low risk from a modern slavery perspective and thereforeno further action was required in respect of those existing suppliers.

    The risk assessment process also applies to new suppliers and it remains our policy to require new suppliers to be risk assessed before operating with them.

  4. Due Diligence Questionnaires

    Any suppliers identified as high risk (as outlined above) are subject to further due diligence procedures, including the completion of a due diligence questionnaire designed to further assess the level of risk and the steps required to monitor and manage that risk. This does not apply to suppliers who hold a current Travelife Gold Certification as such suppliers have already been audited in respect of slavery and human trafficking and have successfully met all of the Travelife criterion (see section 5).

    In respect of our holidays and cruise suppliers identified as high-risk, our due diligence questionnaire is distributed and completed via a web portal operated by our Travel Customer Health and Safety department. The system used by our Customer Health and Safety team sets realistic timeframes for suppliers to respond with a limited number of automated reminders if a response has not been forthcoming. As noted above, our non-holidays and cruise related operations (principally in the financial services sector) have been identified as low risk; however, should further due diligence be required, procedures are also in place to put these suppliers through our due diligence processes including providing them with a similar due diligence questionnaire.

    We remain committed to working with our suppliers to ensure business is conducted ethically and honestly. In particular, in respect of those holidays and cruise suppliers identified as high-risk from a modern slavery perspective, our Customer Health and Safety team together with Product Managers work with those suppliers who have failed our due diligence questionnaire. This has involved first checking that suppliers have understood the questions and answered them correctly followed by, if required, working with them to implement corrective action plans to rectify areas of non-compliance. This remains an ongoing process.

    Meetings are held at a senior level to discuss any suppliers that have either failed to co-operate with our due diligence procedures or comply with any corrective action plans. Should a supplier fail to co-operate with our due diligence procedures and/or any corrective action plan or otherwise demonstrate little progress despite realistic time frames being agreed and set, we have and will consider our future relationship with that supplier.

  5. Travelife

    As mentioned in previous statements, in respect of our holidays operations, we have continued to strongly encourage hotel suppliers to apply for membership with the independent sustainability audit programme, ‘Travelife’, and to work towards obtaining Gold certification which demonstrates compliance with international standards on human rights. We aim to continue to increase our portfolio of GOLD membership hotels.

  6. Policies & Training

    We are committed to working responsibly and with integrity, as set out in our Personal Standards & Ethics Policy. We require the highest standards of personal and professional honesty and integrity from our employees in all business dealings and relationships, including with our members, customers, other employees and suppliers.

    The prevention, detection and reporting of slavery and human trafficking in any part of our business or supply chains is the responsibility of all those working for us. Our Speak-Up Policy ensures all employees are able to confidentially and anonymously raise concerns and report suspected violations via our Confidential Speak Up Service which can be accessed online and by phone.

    The Speak-Up Policy is communicated to employees as part of the corporate induction process and, in addition, they are regularly reminded of the Speak-Up Service telephone number via internal communications.

    Our Anti-Slavery & Anti-Human Trafficking Policy is also communicated regularly throughout our organisation. It is reviewed annually and also requires approval from the Saga plc Board on an annual basis.

    Our policies are used as the basis for our employees to be able to detect and prevent acts of modern slavery. These policies also form part of our corporate induction process for new employees.

    In line with our Anti-Slavery & Anti-Human Trafficking Policy it is a requirement that all new agreements with suppliers must be in writing and contractually oblige the supplier to comply with the Modern Slavery Act. Where possible, it is a requirement that each agreement shall give the relevant Saga Group company concerned a right of termination in the event that the contractor or supplier is proven to have committed slavery or human trafficking offences or to have acted in a manner inconsistent with the Modern Slavery Act. We have therefore developed and implemented into our template agreements, specific contractual clauses covering these points. These were reviewed in 2019 and enhanced where it was felt necessary.

    We have continued to distribute training material to employees through our e-learning platform to ensure a consistent, high level awareness and understanding of modern slavery is achieved. This is reviewed and will continue to be rolled out to employees on an annual basis. It has and will also continue to form part of the induction process for new employees.

  7. Auditing & Ongoing Compliance

    Our Internal Audit procedures incorporate an assessment of our modern slavery processes within all relevant audits.

    We remain keen to further develop key performance indicators in order to measure our effectiveness in seeking to ensure slavery and human trafficking do not take place anywhere in our own business or in any of our supply chains. As our processes evolve, we aim to identify and monitor further appropriate performance indicators.

    We intend to upload our statement to the Government Modern Slavery Statement Registry to share the steps we are taking to prevent modern slavery in our supply chains.

  8. Summary

    We have systems in place to:

    • Identify and assess potential risk areas within our businesses and supply chains
    • Mitigate the risk of slavery and human trafficking occurring in our supply chains
    • Monitor potential risk areas in our supply chains
    • Train employees to raise awareness of modern slavery and how to report it
    • Protect whistle-blowers

    We will continually review and refine these processes to strive to operate to the highest standards at all times.

    This statement covers 01 February 2020 to 31 January 2021 and has been approved by the Board of Saga plc.

    Euan Sutherland

    Group Chief Executive Officer

    July 2021

Appendix 1 – Subsidiaries*

  1. Saga plc
  2. Saga Mid-Co Limited
  3. Saga Holdings Limited
  4. Saga 200 Limited
  5. Saga 300 Limited
  6. Saga 400 Limited
  7. Acromas Insurance Company Limited
  8. Saga Properties Limited
  9. Saga Leisure Limited
  10. CHMC Holdings Limited
  11. CHMC Limited
  12. Saga Group Limited
  13. Saga Publishing Limited
  14. Metromail Limited
  15. Saga Personal Finance Limited
  16. Saga Services Limited
  17. Saga Healthcare Limited
  18. PEC Services Limited
  19. Saga Membership Limited
  20. Driveline Group Limited

Travel and Shipping Companies:

  1. Saga Crewing Services Limited
  2. Saffron Maritime Limited (Guernsey)
  3. Saga Cruises Limited
  4. Saga Cruises IV Limited
  5. Saga Cruises GmbH (Germany)
  6. ST&H Group Limited
  7. ST&H Limited
  8. ST&H Transport Limited
  9. Saga Transport Limited
  10. Titan Travel (UK) Limited
  11. Titan Transport (UK) Limited

* Please note the above list does not include dormant companies

Download 2021 statement

Download 2020 statement

Download 2019 statement

Download 2018 statement

Download 2017 statement