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From: "Saga Insurance" <insurance@email.saga.co.uk>
To: <bob@sarahharvey.com>
Subject: What the Budget means for you, from stealth tax to motoring costs
Date: Wed, 26 Nov 2025 19:56:01 -0000
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20 ways to pay less tax on your savings
‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ 
‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ 
‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

View this email online 
<https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f07451a&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT0lNDB2SXpnWEM3a0swd3gxbVk1UjBMOW1zNDJKdUE5eHRUdHVLZEdKTklnNElBJTNE&s=zepjtm5ApgqCXVCV1a29V1N8TVyTqLyGthODCACR_Cg> 
Update your marketing preferences 
<https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f07451b&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT1PdDZhSjdHdER0dk1ENk1XRDZGbUtnJTNEJTNEJnAyPTIwMDIwNTAyMDQyMyZwMz04MzEzMzExOSZwND1lbWwtbSZwNT1zZXImcDY9YnJhbmQmcDc9TmV3c2xldHRlciZwOD0mcDk9JnAxMD1FLVUtTC0yNS0xMS1NSFBUJnAxMT1Ob3YmcDEyPTI1JnAxMz0mcDE0PQ&s=zerZ88sLEojraxzzrI3FEA85g7t8fLUAAVHV0JDlcSI>





 <https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f07451c&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT0mcDI9ODMxMzMxMTkmcDM9MjAwMjA1MDIwNDIzJnA0PXdZbkpsUU9haFJlUlI3OVVwME10ZFElM0QlM0QmcDU9ZW1sLW0mcDY9c2VyJnA3PWJyYW5kJnA4PU5ld3NsZXR0ZXImcDk9JnAxMD0mcDExPTIwMjUmcDEyPTExJnAxMz0yNg&s=3G9pqFwck4zfU4LfPhf5uQk4jNdzmkUudKqnOU5a4Ds>

InsuranceCar 
<https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f07451d&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PU5ld3NsZXR0ZXImcDc9JnA4PSZwOT0mcDEwPQ&s=F9AhBNmEAnOLgBW2abBEfCsS69Z1VSZ-a_URbITZR_s> 
Home 
<https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f07451e&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PU5ld3NsZXR0ZXImcDc9JnA4PSZwOT0mcDEwPQ&s=C1jCQgMAgj-4ukKquepDwPGXxQPMsSDObanuoICPTyY> 
Travel 
<https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f07451f&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PU5ld3NsZXR0ZXImcDc9JnA4PSZwOT0mcDEwPQ&s=rlxUYbccmsr3l7FqSsqcFf9_iwz6QFqOG-VBRQWDC-Q> 
Health 
<https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f074520&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PU5ld3NsZXR0ZXImcDc9JnA4PSZwOT0mcDEwPQ&s=1XCCvB4w7yOMkAi8r5MLXPWQZYcYtL3a0NkYG1CJejE>











Hello Mr Home,

The build-up to this year’s Budget has been unprecedented. The rumour mill 
has been in overdrive for months.

Now that the speculation is finally over, we’ve put the speech under the 
microscope to explain what it means for you – including for pensions, 
inheritance tax, savings, motoring and more.

We’re also bringing you a guide to 
<https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f074521&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=vn_pLwsaOlZ78kQB7Vcf2K6cruouVR2yftNJAHtpSbM> 
giving your finances a post-Budget health check, plus the best ways to 
protect your savings from tax. 
<https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f074522&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=nr6XPImUyK5QX6MICBV3O-HO13_T7fXqVc9biRXKHOU>














The hidden tax hit that could cost you thousandsThe 
Budget 2025 has landed – and it could cost you more than you think. From 
stealth taxes to motoring costs, here’s what you need to know.Your Budget update 
<https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f074523&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=pxnh6TIWNmZ1NfMUM8NuynTmIMTjvgFLLDQiSzIYrOk>

 	  <https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f074524&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=IcuNLi93Y9hlEivU9oIFsUKl0NYMX5nFuQcD3o5aOJE>

 <https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f074525&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=eRj-QSBim8Iof6uzPTaxT7TAhkfXai-h54j3fdFvtms>














 <https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f074526&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=kI5J2JQFPht9PJRMjH1CTGpRO6p3uKlxLcyQGpcEGJk>
 	 Post-Budget wealth check: 12 steps to secure your finances


Start your audit 
<https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f074527&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=ggpEpgclic73cdiy3r6Wp0QEyZ8yOb7F3r6WS9RuB_k>





 <https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f074528&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=35QTADI1fTzhRzo4FRlR6y7IWcNh7ab1ysghiiYkEyI>
 	 20 ways to pay less tax on your savings and investmentsTax-saving tips 
<https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f074529&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=qgygdURckKBLtHOBai5Goi99QqqR3RCupXFTqJqjV9g>





 <https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f07452a&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=9eqyC21V1iNJYbE8BcRrvyeooFhfz5-sVtSOlkQBJJ4>
 	 Will paying for a family holiday trigger inheritance tax?


IHT rules for holidays 
<https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f0745a3&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=_Dto1YDPooF6c_sYWGAUZNwLSc-NDTPYvLCViA3NAus>














The big changes every saver must knowBig 
changes are coming for anyone with savings, investments or rental property. 
If you want to protect your money, understanding these reforms is essential. 
Find out what’s changing and how it could affect you.


Read more 
<https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f0745a4&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=Jz6j9QwYcM41G5RM60JszNHY5haQpy0Fe5IfAHw4JUs>

 	  <https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f0745a5&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=DZQ-MB8sWBaMeHP1mbyAoepY05cnDywR0L-eVjJcO40>

 <https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f0745a6&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0MjMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=LdSfuNBD19_hfnpa4Zy6g1kszui1iOyEenoqq_uEQtw>












Feel confident choosing Saga  <https://sagagroup-mkt-prod1.campaign.adobe.com/res/sagagro_mkt_prod1/4454 
377f22f469877a226b9446d63ab4.png>
 <https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f0745a7&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OA&s=gLcSypKO4A2mhnjy8Ydc0KasAJxN8xcQEHW6LQ0lJBw>
 <https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f0745a8&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OA&s=V7VqhE9_FWj_yNoBLULaFqleKUeTbEFy7i9G0KMfyc8>
 <https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f0745a9&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OA&s=nSnPdvpoebTqogW3JQn-rg5FDsj8t4wcfP2SesAf04c>
of Saga's insurance range  <https://sagagroup-mkt-prod1.campaign.adobe.com/res/sagagro_mkt_prod1/4454377f22f469877a226b9446d63ab4.png> 	  <https://www.saga.co.uk/emails/2025/Services/Master_logos/PMI-heritage_Stamp_RGB.png>
  <https://sagagroup-mkt-prod1.campaign.adobe.com/res/sagagro_mkt_prod1/4454377f22f469877a226b9446d63ab4.png>








We would like to introduce
you to the whole family <https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f0745aa&e=ZGNpZD1ETTMz 
MDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT0mcDI9ODMxMzMxMTkmcDM9MjAwMjA1MDIwNDIzJnA0PXdZbkpsUU9haFJlUlI3OVVwME10ZFElM0QlM0QmcDU9ZW1sLW0mcDY9c2VyJnA3PWJyYW5kJnA4PU5ld3NsZXR0ZXImcDk9JnAxMD0mcDExPTIwMjUmcDEyPTExJnAxMz0yNg&s=c6kqAB9w2zs_owBhERJ0A8K56TIG0n4X2aknJV2xFSk> 
Cruise ‌ ‌ ‌ |‌ ‌ ‌ 
<https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f0745ab&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT0mcDI9ODMxMzMxMTkmcDM9MjAwMjA1MDIwNDIzJnA0PXdZbkpsUU9haFJlUlI3OVVwME10ZFElM0QlM0QmcDU9ZW1sLW0mcDY9c2VyJnA3PWJyYW5kJnA4PU5ld3NsZXR0ZXImcDk9JnAxMD0mcDExPTIwMjUmcDEyPTExJnAxMz0yNg&s=aqhXduMfJp43ACD6VzxFsloww7g0k24xL9eIFNy5YaM> 
Holidays	 ‌ ‌ ‌ |‌ ‌ ‌ 
<https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f0745ac&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT0mcDI9ODMxMzMxMTkmcDM9MjAwMjA1MDIwNDIzJnA0PXdZbkpsUU9haFJlUlI3OVVwME10ZFElM0QlM0QmcDU9ZW1sLW0mcDY9c2VyJnA3PWJyYW5kJnA4PU5ld3NsZXR0ZXImcDk9JnAxMD0mcDExPTIwMjUmcDEyPTExJnAxMz0yNg&s=Hg9xMbaQaeW2Hcvvf4hN7RKMe4kom6VbXv-2DxbqpRc> 
Insurance ‌ ‌ ‌ |‌ ‌ ‌ 
<https://t.email.saga.co.uk/r/?id=h6387d100,1ba8114d,f0745ad&e=ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT0mcDI9ODMxMzMxMTkmcDM9MjAwMjA1MDIwNDIzJnA0PXdZbkpsUU9haFJlUlI3OVVwME10ZFElM0QlM0QmcDU9ZW1sLW0mcDY9c2VyJnA3PWJyYW5kJnA4PU5ld3NsZXR0ZXImcDk9JnAxMD0mcDExPTIwMjUmcDEyPTExJnAxMz0yNg&s=9Wc4nNRRTn2q1n-klPBfbNxXWyvAqFfyKhCirEl6YJM> 
Magazine ‌ ‌ ‌ |‌ ‌ ‌ 
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max-width:140px!important;" ></a></td>
                    </tr>
                    <tr>
                      <td style=3D"font-family: 'Ambit', Arial, =
sans-serif; font-size:1px; line-height:1px; mso-line-height-rule: =
exactly; padding-top:6px;">&nbsp;</td>
                    </tr>
                    <tr>
                      <td class=3D"text-sm-center" style=3D"font-family: =
'Ambit', Arial, sans-serif; font-size: 18px; line-height:21pt; =
mso-line-height-rule: exactly; font-weight:800; color:#1e3282;" =
align=3D"left" valign=3D"bottom">Insurance</td>
                    </tr>
                  </table></th>
                <th class=3D"hide-sm" align=3D"center" width=3D"40" =
style=3D"font-size:1px; line-height: 1px;">&nbsp;</th>
                <th class=3D"col" align=3D"center" width=3D"480" =
style=3D"font-size:1px; line-height: 1px; vertical-align:top;"><table =
class=3D"full-width-sm" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%" style=3D"border-collapse: =
collapse;">
                    <tr>
                      <td class=3D"align-sm-center" =
width=3D"100%"><table class=3D"align-sm-center" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" align=3D"right">
                          <tr>
                            <td style=3D"font-size:1px; line-height:1px; =
mso-line-height: exactly; text-align:left; padding-top: =
10px">&nbsp;</td>
                          </tr>
                          <tr>
                            <td style=3D"line-height: 40px;"><table =
align=3D"center" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" =
style=3D"border-collapse: collapse;" >
                                <th bgcolor=3D"#F6FBFB" =
style=3D"border-radius: 7px; line-height: 100%; "> <a =
href=3D"https://t.email.saga.co.uk/r/?id=3Dh6387d100,1ba8114d,f07451d&e=3D=
ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0M=
jMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PU5ld3NsZXR0ZXImcDc9JnA4PSZwOT0mcD=
EwPQ&s=3DF9AhBNmEAnOLgBW2abBEfCsS69Z1VSZ-a_URbITZR_s" target=3D"_blank" =
style=3D"font-family: 'Ambit', Arial, sans-serif; display: block; =
font-size: 18px; line-height: 20px; padding: 6px 10px; text-decoration: =
none; color: #1e3282; font-weight:normal; border-radius: 7px; border: =
1px #1e3282 solid;" class=3D"nav-smallerfont">Car</a></th>
                                  <th align=3D"center" width=3D"10" =
style=3D"font-size:1px; line-height: 1px;">&nbsp;</th>
                                  <th bgcolor=3D"#F6FBFB" =
style=3D"border-radius: 7px; line-height: 100%; "> <a =
href=3D"https://t.email.saga.co.uk/r/?id=3Dh6387d100,1ba8114d,f07451e&e=3D=
ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0M=
jMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PU5ld3NsZXR0ZXImcDc9JnA4PSZwOT0mcD=
EwPQ&s=3DC1jCQgMAgj-4ukKquepDwPGXxQPMsSDObanuoICPTyY" target=3D"_blank" =
style=3D"font-family: 'Ambit', Arial, sans-serif; display: block; =
font-size: 18px; line-height: 20px; padding: 6px 10px; text-decoration: =
none; color: #1e3282; font-weight:normal; border-radius: 7px; border: =
1px #1e3282 solid;" class=3D"nav-smallerfont">Home</a></th>
                                  <th align=3D"center" width=3D"10" =
style=3D"font-size:1px; line-height: 1px;">&nbsp;</th>
                                  <th bgcolor=3D"#F6FBFB" =
style=3D"border-radius: 7px; line-height: 100%; "> <a =
href=3D"https://t.email.saga.co.uk/r/?id=3Dh6387d100,1ba8114d,f07451f&e=3D=
ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0M=
jMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PU5ld3NsZXR0ZXImcDc9JnA4PSZwOT0mcD=
EwPQ&s=3DrlxUYbccmsr3l7FqSsqcFf9_iwz6QFqOG-VBRQWDC-Q" target=3D"_blank" =
style=3D"font-family: 'Ambit', Arial, sans-serif; display: block; =
font-size: 18px; line-height: 20px; padding: 6px 10px; text-decoration: =
none; color: #1e3282; font-weight:normal; border-radius: 7px; border: =
1px #1e3282 solid;" class=3D"nav-smallerfont">Travel</a></th>
                                  <th align=3D"center" width=3D"10" =
style=3D"font-size:1px; line-height: 1px;">&nbsp;</th>
                                  <th bgcolor=3D"#F6FBFB" =
style=3D"border-radius: 7px; line-height: 100%; "> <a =
href=3D"https://t.email.saga.co.uk/r/?id=3Dh6387d100,1ba8114d,f074520&e=3D=
ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0M=
jMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PU5ld3NsZXR0ZXImcDc9JnA4PSZwOT0mcD=
EwPQ&s=3D1XCCvB4w7yOMkAi8r5MLXPWQZYcYtL3a0NkYG1CJejE" target=3D"_blank" =
style=3D"font-family: 'Ambit', Arial, sans-serif; display: block; =
font-size: 18px; line-height: 20px; padding: 6px 10px; text-decoration: =
none; color: #1e3282; font-weight:normal; border-radius: 7px; border: =
1px #1e3282 solid;" class=3D"nav-smallerfont">Health</a></th>
                              </table></td>
                          </tr>
                        </table></td>
                    </tr>
                  </table></th>
                <th class=3D"hide-sm" align=3D"center" width=3D"20" =
style=3D"font-size:1px; line-height: 1px;">&nbsp;</th>
              </tr>
            </table></td>
        </tr>
        <tr>
          <td style=3D"line-height:1px; font-size:1px; =
mso-line-height-rule: exactly; padding-top:40px;">&nbsp;</td>
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      </table></td>
  </tr>
</table>
<!-- Header_section_Top_Only-->=20
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collapse;">
  <tr>
    <td align=3D"center"><table class=3D"container" cellpadding=3D"0" =
cellspacing=3D"0" bgcolor=3D"#fdfdfd" role=3D"presentation" =
width=3D"700" style=3D"border-collapse: collapse;">
        <tr>
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cellspacing=3D"0" role=3D"presentation" width=3D"100%">
              <tr>
                <th class=3D"col" width=3D"640" align=3D"left" ><table =
class=3D"full-width-sm" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%">
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                      <td bgcolor=3D"#1e3282" width=3D"700" height=3D"5" =
valign=3D"top" style=3D"border-radius: 8px;"></td>
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            </table></td>
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      </table></td>
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</table>
<!-- seperator with blue line full width -->=20

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<table class=3D"wrapper" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%" style=3D"border-collapse: =
collapse;">
  <tr>
    <td align=3D"center"><table class=3D"container" cellpadding=3D"0" =
cellspacing=3D"0" bgcolor=3D"#fdfdfd" role=3D"presentation" =
width=3D"700" style=3D"border-collapse: collapse;">
        <tr>
          <td align=3D"left" class=3D"px-sm-20"><table cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" width=3D"100%">
              <tr>
                <th width=3D"30" align=3D"center" class=3D"hide-sm" =
style=3D"font-size:1px; line-height: 1px;">&nbsp;</th>
                <th class=3D"col" width=3D"640" align=3D"left" ><table =
class=3D"full-width-sm" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%">
                    <tr class=3D"hide-sm">
                      <td style=3D"display:block; line-height:1px; =
font-size: 1px; mso-line-height-rule: exactly; =
padding-top:20px;">&nbsp;</td>
                    </tr>
                    <tr>
                      <td align=3D"left" style=3D"display:block; =
line-height:1px; font-size: 1px; mso-line-height-rule: exactly; =
padding-top:20px;">&nbsp;</td>
                    </tr>
                    <tr>
                      <td style=3D"font-family: 'Ambit', Arial, =
sans-serif; font-size: 18px; line-height: 28px; mso-line-height: =
exactly; text-align:left; font-weight:normal;">Hello
                       =20

Mr Home, <span style=3D"mso-line-height: exactly; line-height:10px;"><br =
/>
                        <br />
                        </span>The build-up to this year=E2=80=99s =
Budget has been unprecedented. The rumour mill has been in overdrive for =
months.<span style=3D"mso-line-height: exactly; line-height:10px;"><br =
/>
                        <br />
                        </span>Now that the speculation is finally over, =
we=E2=80=99ve put the speech under the microscope to explain what it =
means for you =E2=80=93 including for pensions, inheritance tax, =
savings, motoring and more.<span style=3D"mso-line-height: exactly; =
line-height:10px;"><br /><br /></span>We&rsquo;re also bringing you a =
guide to <a =
href=3D"https://t.email.saga.co.uk/r/?id=3Dh6387d100,1ba8114d,f074521&e=3D=
ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0M=
jMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0=
luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=3Dvn_pLwsaOlZ78kQB7Vcf2K6cruo=
uVR2yftNJAHtpSbM" target=3D"_blank" style=3D"font-weight:600; =
text-decoration:underline;"> giving your finances a post-Budget health =
check</a>, plus <a =
href=3D"https://t.email.saga.co.uk/r/?id=3Dh6387d100,1ba8114d,f074522&e=3D=
ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0M=
jMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0=
luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=3Dnr6XPImUyK5QX6MICBV3O-HO13_=
T7fXqVc9biRXKHOU" target=3D"_blank" style=3D"font-weight:600; =
text-decoration:underline;">the best ways to protect your savings from =
tax.</a></td>
                    </tr>
          <tr>
          <td style=3D"font-size:1px; line-height:1px; text-align:left; =
padding: 20px 0px 20px 0px;">&nbsp;</td>
        </tr>
                  </table></th>
                <th width=3D"30" align=3D"center" class=3D"hide-sm" =
style=3D"font-family: 'Ambit', Arial, sans-serif; font-size:16px; =
line-height: 20pt;">&nbsp;</th>
              </tr>
            </table></td>
        </tr>
       =20
      </table></td>
  </tr>
</table>
<!-- lead text end -->=20
<!-- seperator with grey line -->
<table class=3D"wrapper" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%" style=3D"border-collapse: =
collapse;">
  <tr>
    <td align=3D"center"><table class=3D"container full-width-sm" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"700" =
bgcolor=3D"#fdfdfd" style=3D"border-collapse: collapse;">
        <tr>
          <td class=3D"px-sm-20" style=3D"font-size:1px; =
line-height:1px; text-align:left; padding: 30px 0px 30px 0px;"><table =
class=3D"container full-width-sm" align=3D"center" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" width=3D"640" =
style=3D"border-collapse: collapse;">
              <tr>
                <td height=3D"2" bgcolor=3D"#fdfdfd" =
style=3D"border:none; border-bottom: 1px solid #bdbdbd; font-size:1px; =
line-height:1px;">&nbsp;</td>
              </tr>
            </table></td>
        </tr>
      </table></td>
  </tr>
</table>
<!-- seperator with grey line -->=20
<!-- 2 column pods -->
<table class=3D"wrapper" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%" style=3D"border-collapse: =
collapse;">
  <tr>
    <td align=3D"center"><table class=3D"container" cellpadding=3D"0" =
cellspacing=3D"0" bgcolor=3D"#ffffff" role=3D"presentation" =
width=3D"700" style=3D"border-collapse: collapse;">
        <tr>
          <td align=3D"left" class=3D"px-sm-20"><table cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" width=3D"100%">
              <tr>
                <th width=3D"30" align=3D"center" class=3D"hide-sm" =
style=3D"font-size:1px; line-height: 1px;">&nbsp;</th>
                <th class=3D"col" width=3D"640" align=3D"left" ><table =
class=3D"full-width-sm" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%">
         =20
                    <tr>
                      <td bgcolor=3D"#ffffff" align=3D"left"><table =
class=3D"full-width-sm" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%" style=3D"border-collapse: =
collapse;">
                          <tr>
                            <th class=3D"col stack-sm-last" =
align=3D"center" width=3D"320" style=3D"font-size:1px; line-height: 1px; =
vertical-align:middle;"> <table class=3D"full-width-sm" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%" =
style=3D"border-collapse: collapse;">
                                <tr>
                                  <td width=3D"100%"><table =
class=3D"full-width-sm" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" align=3D"left">
                                      <th> <!-- end of desktop view here =
-->=20
                                          <!--[if !mso]><!-->=20
                                          <!--desktop hide starts-->
                                         =20
                                          <div class=3D"show-sm =
align-sm-center" style=3D"display: none; font-size: 0; max-height: 0; =
line-height: 0; mso-hide: all; width:0; overflow:hidden;">
                                            <table cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" width=3D"100%" style=3D"border-collapse: =
collapse;">
                                              <tr>
                                                <td align=3D"left" =
style=3D"display:block; line-height:1px; font-size: 1px; =
padding-top:18px;">&nbsp;</td>
                                              </tr>
                                            </table>
                                          </div>
                                         =20
                                          <!--desktop hide ends-->=20
                                          <!--<![endif]--> </th>
                                      <tr class=3D"hide-sm">
                                        <td align=3D"left" =
style=3D"display:block; line-height:1px; font-size: 1px; =
mso-line-height-rule: exactly; padding-top:0px;">&nbsp;</td>
                                      </tr>
                                      <tr>
                                        <td style=3D"font-size:1px; =
line-height:1px; mso-line-height: exactly; text-align:left; padding-top: =
12px">&nbsp;</td>
                                      </tr>
                                      <tr>
                                        <td align=3D"left" =
style=3D"font-family: 'Ambit', arial, sans-serif; font-size:22px; =
line-height:32px; mso-line-height-rule: exactly; text-align:left; =
font-weight:bold; color: #1e3282; text-transform: uppercase;">The hidden =
tax hit that could cost you thousands</td>
                                      </tr>
                                      <tr>
                                        <td style=3D"font-family: =
'Ambit', Arial, sans-serif; font-size: 18px; line-height: 28px; =
mso-line-height: exactly; text-align:left; font-weight:normal;">The =
Budget 2025 has landed =E2=80=93 and it could cost you more than you =
think. From stealth taxes to motoring costs, here=E2=80=99s what you =
need to know.</td>
                                      </tr>
                                      <tr>
                                        <td  style=3D"display:block; =
line-height:1px; font-size: 1px; mso-line-height-rule: exactly; =
padding-top:24px;">&nbsp;</td>
                                      </tr>
                                      <tr>
                                        <td style=3D"line-height: =
38px;"><table align=3D"left" class=3D"full-width-sm" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" style=3D"border-collapse: collapse;">
                                            <th bgcolor=3D"#1e3282" =
style=3D"border-radius: 8px; line-height: 100%; mso-padding-alt: 10px =
40px 15px;"> <a =
href=3D"https://t.email.saga.co.uk/r/?id=3Dh6387d100,1ba8114d,f074523&e=3D=
ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0M=
jMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0=
luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=3Dpxnh6TIWNmZ1NfMUM8NuynTmIMT=
jvgFLLDQiSzIYrOk" target=3D"_blank" style=3D"font-family: 'Ambit', =
Arial, sans-serif; display: block; font-size: 16px; line-height: 14pt; =
mso-line-height-rule: exactly; padding: 12px 25px 12px 25px; =
text-decoration: none; color: #fffffe; font-weight:bold; =
text-align:center;">Your Budget update</a></th>
                                          </table></td>
                                      </tr>
                                      <th> <!-- end of desktop view here =
--> </th>
                                    </table></td>
                                </tr>
                              </table></th>
                            <th class=3D"hide-sm" bgcolor=3D"#ffffff" =
align=3D"center" width=3D"20" style=3D" font-size:1px; line-height: =
1px;">&nbsp;</th>
                            <th class=3D"col stack-sm-first" =
bgcolor=3D"#ffffff" align=3D"center" width=3D"300" =
style=3D"vertical-align:top;"><table class=3D"full-width-sm" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%" =
style=3D"border-collapse: collapse;">
                                <tr>
                                  <td align=3D"left" =
class=3D"hide-sm"><a =
href=3D"https://t.email.saga.co.uk/r/?id=3Dh6387d100,1ba8114d,f074524&e=3D=
ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0M=
jMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0=
luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=3DIcuNLi93Y9hlEivU9oIFsUKl0NY=
MX5nFuQcD3o5aOJE" target=3D"_blank"><img =
src=3D"http://res1.email3.saga.co.uk/res/img/C701A5C1264CF1B42099BFABA59E=
0333.jpg" alt=3D"" width=3D"300" height=3D"auto" =
class=3D"img_full_width" style=3D"display:block; height:auto; =
outline:none; border:0; text-decoration:none; font-family: sans-serif; =
font-size:20px; line-height:1.5; color:blue; text-align:center; =
border-radius: 7px;" ></a></td>
                                </tr>
                                <!--[if !mso]><!-->
                                <tr align=3D"right" =
style=3D"display:table; width:100%!important;">
                                  <th> <!-- end of desktop view here --> =

                                   =20
                                    <!--desktop hide starts-->
                                   =20
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style=3D"display: none; font-size: 0; max-height: 0; line-height: 0; =
mso-hide: all; min-width:0; overflow:hidden;">
                                      <table cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" width=3D"100%" style=3D"border-collapse: =
collapse;">
                                        <tr>
                                          <td style=3D"line-height:1px; =
font-size:1px; text-align:center; font-weight:600;"><a =
href=3D"https://t.email.saga.co.uk/r/?id=3Dh6387d100,1ba8114d,f074525&e=3D=
ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0M=
jMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0=
luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=3DeRj-QSBim8Iof6uzPTaxT7TAhkf=
Xai-h54j3fdFvtms" target=3D"_blank"><img =
src=3D"http://res1.email3.saga.co.uk/res/img/AC6C201B332F85BFC167694AA1A7=
3C3E.jpg" alt=3D"" width=3D"50" height=3D"auto" class=3D"img_full_width" =
style=3D"display:block; height:auto; outline:none; border:0; =
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line-height:1.5; color:blue; text-align:center; border-radius: 7px;" =
></a></td>
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style=3D"font-size:1px; line-height: 1px;">&nbsp;</th>
                <th class=3D"col" width=3D"640" align=3D"left" ><table =
class=3D"full-width-sm" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%">
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font-size: 1px; mso-line-height-rule: exactly; =
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cellspacing=3D"0" role=3D"presentation" width=3D"100%">
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mso-line-height-rule: exactly; padding-top:20px;">&nbsp;</td>
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width:100%!important;">
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bgcolor=3D"#E5F3F3" style=3D"border: solid 1px #cfd3e3; border-radius: =
8PX"><table cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
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class=3D"hide-sm" style=3D"font-size:1px; line-height: 1px;">&nbsp;</th>
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width=3D"640" align=3D"left" > <table class=3D"full-width-sm" =
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width=3D"100%">
                                     =20
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style=3D"display:block; line-height:1px; font-size: 1px; =
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align=3D"left" class=3D"col"><a =
href=3D"https://t.email.saga.co.uk/r/?id=3Dh6387d100,1ba8114d,f074526&e=3D=
ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0M=
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luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=3DkI5J2JQFPht9PJRMjH1CTGpRO6p=
3uKlxLcyQGpcEGJk" target=3D"_blank"><img =
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finances " width=3D"300" height=3D"auto" class=3D"img_full_width =
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0px 8px;" ></a></td>
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class=3D"hide-sm" align=3D"center" width=3D"20" style=3D" font-size:1px; =
line-height: 1px;">&nbsp;</th>
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style=3D"vertical-align:middle;"><table class=3D"full-width-sm" =
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style=3D"line-height:1px; font-size:1px; padding-top:12px;">&nbsp;</td>
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bgcolor=3D"#1e3282" style=3D"border-radius: 8px; line-height: 100%; =
mso-padding-alt: 10px 40px 15px;"> <a =
href=3D"https://t.email.saga.co.uk/r/?id=3Dh6387d100,1ba8114d,f074527&e=3D=
ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0M=
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luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=3DggpEpgclic73cdiy3r6Wp0QEyZ8=
yOb7F3r6WS9RuB_k" target=3D"_blank" style=3D"font-family: 'Ambit', =
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text-decoration: none; color: #fffffe; font-weight:bold; =
text-align:center;">Start your audit</a></th>
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align=3D"left" class=3D"col"><a =
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luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=3D35QTADI1fTzhRzo4FRlR6y7IWcN=
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class=3D"hide-sm" align=3D"center" width=3D"20" style=3D" font-size:1px; =
line-height: 1px;">&nbsp;</th>
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luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=3DqgygdURckKBLtHOBai5Goi99Qqq=
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text-decoration: none; color: #fffffe; font-weight:bold; =
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align=3D"left" class=3D"col"><a =
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luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=3D9eqyC21V1iNJYbE8BcRrvyeooFh=
fz5-sVtSOlkQBJJ4" target=3D"_blank"><img =
src=3D"http://res1.email3.saga.co.uk/res/img/32C7BD7B4BF4C5A1A4C0D81CED01=
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line-height:1.5; color:blue; text-align:center; border-radius: 8px 0px =
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class=3D"hide-sm" align=3D"center" width=3D"20" style=3D" font-size:1px; =
line-height: 1px;">&nbsp;</th>
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style=3D"vertical-align:middle;"><table class=3D"full-width-sm" =
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ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0M=
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luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=3D_Dto1YDPooF6c_sYWGAUZNwLSc-=
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role=3D"presentation" width=3D"100%" style=3D"border-collapse: =
collapse;">
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cellspacing=3D"0" bgcolor=3D"#ffffff" role=3D"presentation" =
width=3D"700" style=3D"border-collapse: collapse;">
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cellspacing=3D"0" role=3D"presentation" width=3D"100%">
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style=3D"font-size:1px; line-height: 1px;">&nbsp;</th>
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role=3D"presentation" width=3D"100%">
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class=3D"full-width-sm" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%" style=3D"border-collapse: =
collapse;">
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align=3D"center" width=3D"320" style=3D"font-size:1px; line-height: 1px; =
vertical-align:middle;"> <table class=3D"full-width-sm" =
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class=3D"full-width-sm" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" align=3D"left">
                                      <th> <!-- end of desktop view here =
-->=20
                                          <!--[if !mso]><!-->=20
                                          <!--desktop hide starts-->
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                                          <div class=3D"show-sm =
align-sm-center" style=3D"display: none; font-size: 0; max-height: 0; =
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cellpadding=3D"0" border=3D"0" width=3D"100%" style=3D"border-collapse: =
collapse;">
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style=3D"display:block; line-height:1px; font-size: 1px; =
padding-top:18px;">&nbsp;</td>
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                                         =20
                                          <!--desktop hide ends-->=20
                                          <!--<![endif]--> </th>
                                      <tr class=3D"hide-sm">
                                        <td align=3D"left" =
style=3D"display:block; line-height:1px; font-size: 1px; =
mso-line-height-rule: exactly; padding-top:0px;">&nbsp;</td>
                                      </tr>
                                      <tr>
                                        <td style=3D"font-size:1px; =
line-height:1px; mso-line-height: exactly; text-align:left; padding-top: =
12px">&nbsp;</td>
                                      </tr>
                                      <tr>
                                        <td align=3D"left" =
style=3D"font-family: 'Ambit', arial, sans-serif; font-size:22px; =
line-height:32px; mso-line-height-rule: exactly; text-align:left; =
font-weight:bold; color: #1e3282; text-transform: uppercase;">The big =
changes every saver must know</td>
                                      </tr>
                                      <tr>
                                        <td style=3D"font-family: =
'Ambit', Arial, sans-serif; font-size: 18px; line-height: 28px; =
mso-line-height: exactly; text-align:left; font-weight:normal;">Big =
changes are coming for anyone with savings, investments or rental =
property. If you want to protect your money, understanding these reforms =
is essential. Find out what=E2=80=99s changing and how it could affect =
you. </td>
                                      </tr>
                                      <tr>
                                        <td  style=3D"display:block; =
line-height:1px; font-size: 1px; mso-line-height-rule: exactly; =
padding-top:24px;">&nbsp;</td>
                                      </tr>
                                      <tr>
                                        <td style=3D"line-height: =
38px;"><table align=3D"left" class=3D"full-width-sm" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" style=3D"border-collapse: collapse;">
                                            <th bgcolor=3D"#1e3282" =
style=3D"border-radius: 8px; line-height: 100%; mso-padding-alt: 10px =
40px 15px;"> <a =
href=3D"https://t.email.saga.co.uk/r/?id=3Dh6387d100,1ba8114d,f0745a4&e=3D=
ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0M=
jMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0=
luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=3DJz6j9QwYcM41G5RM60JszNHY5ha=
Qpy0Fe5IfAHw4JUs" target=3D"_blank" style=3D"font-family: 'Ambit', =
Arial, sans-serif; display: block; font-size: 16px; line-height: 14pt; =
mso-line-height-rule: exactly; padding: 12px 15px 12px 15px; =
text-decoration: none; color: #fffffe; font-weight:bold; =
text-align:center;">Read more</a></th>
                                          </table></td>
                                      </tr>
                                      <th> <!-- end of desktop view here =
--> </th>
                                    </table></td>
                                </tr>
                              </table></th>
                            <th class=3D"hide-sm" bgcolor=3D"#ffffff" =
align=3D"center" width=3D"20" style=3D" font-size:1px; line-height: =
1px;">&nbsp;</th>
                            <th class=3D"col stack-sm-first" =
bgcolor=3D"#ffffff" align=3D"center" width=3D"300" =
style=3D"vertical-align:top;"><table class=3D"full-width-sm" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%" =
style=3D"border-collapse: collapse;">
                                <tr>
                                  <td align=3D"left" =
class=3D"hide-sm"><a =
href=3D"https://t.email.saga.co.uk/r/?id=3Dh6387d100,1ba8114d,f0745a5&e=3D=
ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0M=
jMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0=
luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=3DDZQ-MB8sWBaMeHP1mbyAoepY05c=
nDywR0L-eVjJcO40" target=3D"_blank"><img =
src=3D"http://res1.email3.saga.co.uk/res/img/7ECEC70B14929C5BD577CAFB46E7=
3976.jpg" alt=3D"" width=3D"300" height=3D"auto" =
class=3D"img_full_width" style=3D"display:block; height:auto; =
outline:none; border:0; text-decoration:none; font-family: sans-serif; =
font-size:20px; line-height:1.5; color:blue; text-align:center; =
border-radius: 7px;" ></a></td>
                                </tr>
                                <!--[if !mso]><!-->
                                <tr align=3D"right" =
style=3D"display:table; width:100%!important;">
                                  <th> <!-- end of desktop view here --> =

                                   =20
                                    <!--desktop hide starts-->
                                   =20
                                    <div class=3D"show-sm" =
style=3D"display: none; font-size: 0; max-height: 0; line-height: 0; =
mso-hide: all; min-width:0; overflow:hidden;">
                                      <table cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" width=3D"100%" style=3D"border-collapse: =
collapse;">
                                        <tr>
                                          <td style=3D"line-height:1px; =
font-size:1px; text-align:center; font-weight:600;"><a =
href=3D"https://t.email.saga.co.uk/r/?id=3Dh6387d100,1ba8114d,f0745a6&e=3D=
ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OCZwMT04MzEzMzExOSZwMj0yMDAyMDUwMjA0M=
jMmcDM9ZW1sLW0mcDQ9c2VyJnA1PWJyYW5kJnA2PUNTRS1HUzI0NDJfQnVkZ2V0X0VtYWlsX0=
luc3VyYW5jZSZwNz1OZXdzbGV0dGVyJnA4PSZwOT0&s=3DLdSfuNBD19_hfnpa4Zy6g1kszui=
1iOyEenoqq_uEQtw" target=3D"_blank"><img =
src=3D"http://res1.email3.saga.co.uk/res/img/05F3F15EE1D2644118A1F3A49A51=
9040.jpg" alt=3D"" width=3D"50" height=3D"auto" class=3D"img_full_width" =
style=3D"display:block; height:auto; outline:none; border:0; =
text-decoration:none; font-family: sans-serif; font-size:20px; =
line-height:1.5; color:blue; text-align:center; border-radius: 7px;" =
></a></td>
                                        </tr>
                                      </table>
                                    </div>
                                   =20
                                    <!--desktop hide ends--> </th>
                                </tr>
                                <!--<![endif]-->
                              </table></th>
                          </tr>
                        </table></td>
                    </tr>
                  </table></th>
                <th width=3D"30" align=3D"center" =
class=3D"hide-sm">&nbsp;</th>
              </tr>
            </table></td>
        </tr>
      </table></td>
  </tr>
</table>
<!-- seperator with space -->
<table class=3D"wrapper" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%" style=3D"border-collapse: =
collapse;">
  <tr>
    <td align=3D"center"><table class=3D"container full-width-sm" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"700" =
bgcolor=3D"#fdfdfd" style=3D"border-collapse: collapse;">
        <tr>
          <td style=3D"font-size:1px; line-height:1px; text-align:left; =
padding: 30px 0px 30px 0px;">&nbsp;</td>
        </tr>
      </table></td>
  </tr>
</table>
<!-- seperator with space -->=20
<!-- seperator with blue line and padding -->
<table class=3D"wrapper" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%" style=3D"border-collapse: =
collapse;">
  <tr>
    <td align=3D"center"><table class=3D"container" cellpadding=3D"0" =
cellspacing=3D"0" bgcolor=3D"#fdfdfd" role=3D"presentation" =
width=3D"700" style=3D"border-collapse: collapse;">
        <tr>
          <td align=3D"left" class=3D"px-sm-20"><table cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" width=3D"100%">
              <tr>
                <th width=3D"30" align=3D"center" class=3D"hide-sm" =
style=3D"font-size:1px; line-height: 1px;">&nbsp;</th>
                <th class=3D"col" width=3D"640" align=3D"left" ><table =
class=3D"full-width-sm" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%">
                    <tr>
                      <td bgcolor=3D"#1e3282" width=3D"700" height=3D"5" =
valign=3D"top" style=3D"border-radius: 8px;"></td>
                    </tr>
                  </table></th>
                <th width=3D"30" align=3D"center" class=3D"hide-sm" =
style=3D"font-family: 'Ambit', Arial, sans-serif; font-size:16px; =
line-height: 20pt;">&nbsp;</th>
              </tr>
            </table></td>
        </tr>
      </table></td>
  </tr>
</table>
<!-- seperator with blue line and padding -->=20
<!-- Awards header -->
<table class=3D"wrapper" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%" style=3D"border-collapse: =
collapse;">
  <tr>
    <td align=3D"center"><table class=3D"container" cellpadding=3D"0" =
cellspacing=3D"0" bgcolor=3D"#fdfdfd" role=3D"presentation" =
width=3D"700" style=3D"border-collapse: collapse;">
        <tr>
          <td align=3D"left" class=3D"px-sm-20"><table cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" width=3D"100%">
              <tr>
                <th width=3D"30" align=3D"center" class=3D"hide-sm" =
style=3D"font-size:1px; line-height: 1px;">&nbsp;</th>
                <th class=3D"col" width=3D"640" align=3D"left" ><table =
class=3D"full-width-sm" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%">
                    <tr>
                      <td style=3D"line-height:1px; font-size:1px; =
mso-line-height-rule: exactly; padding-top:20px;">&nbsp;</td>
                    </tr>
                    <tr>
                      <td class=3D"px-sm-20" =
style=3D"font-family:'Ambit', arial, sans-serif; font-size:22px; =
line-height:32px; mso-line-height-rule: exactly; font-weight:bold; =
text-align: center; color: #1e3282; text-transform: uppercase;">Feel =
confident choosing Saga</td>
                    </tr>
                    <tr>
                      <td style=3D"font-size:1px; line-height:1px; =
mso-line-height: exactly; text-align:left; padding-top: =
30px">&nbsp;</td>
                    </tr>
                  </table></th>
                <th width=3D"30" align=3D"center" class=3D"hide-sm" =
style=3D"font-family: 'Ambit', Arial, sans-serif; font-size:16px; =
line-height: 20pt;">&nbsp;</th>
              </tr>
            </table></td>
        </tr>
      </table></td>
  </tr>
</table>
<!-- Awards header -->=20
<!-- Awards pers block container -->
<table class=3D"wrapper" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%" style=3D"border-collapse: =
collapse;">
  <tr>
    <td align=3D"center"><!-- Motorhome insurance quote awards Nov25-->=20
<table class=3D"container" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"700" style=3D"border-collapse: =
collapse;">
  <tr>
    <td align=3D"left" class=3D"px-sm-20"><table cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" width=3D"100%">
        <tr>
          <th width=3D"50" align=3D"center" class=3D"hide-sm" =
style=3D"font-size:1px; line-height: 1px;"></th>
          <th class=3D"col" width=3D"600" align=3D"left" ><table =
class=3D"full-width-sm" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"600">
                    <th class=3D"hide-sm" align=3D"center" =
width=3D"130px" style=3D"font-size:1px; line-height: 1px; =
mso-line-height-rule: exactly;"><img class=3D"img_full_width" =
src=3D"https://sagagroup-mkt-prod1.campaign.adobe.com/res/sagagro_mkt_pro=
d1/4454377f22f469877a226b9446d63ab4.png" width=3D"130" height=3D"1" =
alt=3D"" style=3D"display: block; border: 0; outline: none;" =
border=3D"0" /></th>
                      <th class=3D"col pb-sm-30" align=3D"center" =
width=3D"140" style=3D"vertical-align:top;"><table =
class=3D"full-width-sm" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%" height=3D"110px" =
style=3D"border-collapse: collapse;">
                          <tr>
                            <td class=3D"align-sm-center" =
align=3D"center"><table class=3D"full-width-sm" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" width=3D"100%" =
style=3D"border-collapse: collapse;">
                                <tr>
                                  <td><a =
href=3D"https://t.email.saga.co.uk/r/?id=3Dh6387d100,1ba8114d,f0745a7&e=3D=
ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OA&s=3DgLcSypKO4A2mhnjy8Ydc0KasAJxN8x=
cQEHW6LQ0lJBw" target=3D"_blank"><img style=3D"width: 140px; margin: =
0px" border=3D"0" alt=3D"" =
src=3D"https://sagagroup-mkt-prod1-res.campaign.adobe.com/res/sagagro_mkt=
_prod1/14e681963bedbe8a15e5fc119de172d1.png" width=3D"140"></a></td>
                                </tr>
                                <tr>
                                  <td><a =
href=3D"https://t.email.saga.co.uk/r/?id=3Dh6387d100,1ba8114d,f0745a8&e=3D=
ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OA&s=3DV7VqhE9_FWj_yNoBLULaFqleKUeTbE=
Fy7i9G0KMfyc8" target=3D"_blank"><img style=3D"width: 140px; margin: =
0px" border=3D"0" alt=3D"Trustpilot" =
src=3D"https://emailsignature.trustpilot.com/newsletter/en-GB/2/4bdf44180=
000640005070963/stars.png" width=3D"140"></a></td>
                                </tr>
                                <tr>
                                  <td><a =
href=3D"https://t.email.saga.co.uk/r/?id=3Dh6387d100,1ba8114d,f0745a9&e=3D=
ZGNpZD1ETTMzMDI1OSZiaWQ9MTY2OTg0NTI0OA&s=3DnSnPdvpoebTqogW3JQn-rg5FDsj8t4=
wcfP2SesAf04c" target=3D"_blank"><img style=3D"width: 140px; margin: =
0px" border=3D"0" alt=3D"" =
src=3D"https://emailsignature.trustpilot.com/newsletter/en-GB/1/4bdf44180=
000640005070963/text2@2x.png"width=3D"140"></a></td>
                                </tr>
                                <tr>
                                  <td class=3D"text-sm-center" =
align=3D"left" style=3D"font-family: 'Ambit', Arial, sans-serif; =
font-size:11px; line-height:18px; mso-line-height-rule: exactly; =
font-weight:600;  text-align:center; color: #2a2a2a">of Saga's insurance =
range</td>
                                </tr>
                              </table></td>
                          </tr>
                        </table></th>
                      <th class=3D"hide-sm" align=3D"center" =
width=3D"50px" style=3D"font-size:1px; line-height: 1px; =
mso-line-height-rule: exactly;"><img class=3D"img_full_width" =
src=3D"https://sagagroup-mkt-prod1.campaign.adobe.com/res/sagagro_mkt_pro=
d1/4454377f22f469877a226b9446d63ab4.png" width=3D"50" height=3D"1" =
alt=3D"" style=3D"display: block; border: 0; outline: none;" =
border=3D"0" /></th>
                      <th class=3D"col pb-sm-30" align=3D"center" =
width=3D"150" style=3D"vertical-align:top;"><table =
class=3D"full-width-sm" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%" style=3D"border-collapse: =
collapse;">
                          <tr>
                            <td class=3D"col" align=3D"center"><img =
src=3D"https://www.saga.co.uk/emails/2025/Services/Master_logos/PMI-herit=
age_Stamp_RGB.png" alt=3D"Saga over 35 year's experience" width=3D"150" =
style=3D"height:auto; outline:none; border:0; text-decoration:none; =
font-family: sans-serif; font-size:20px; line-height:1.5; color:blue; =
text-align:center;" ></td>
                          </tr>
                        </table></th>
                      <th class=3D"hide-sm" align=3D"center" =
width=3D"130px" style=3D"font-size:1px; line-height: 1px; =
mso-line-height-rule: exactly;"><img class=3D"img_full_width" =
src=3D"https://sagagroup-mkt-prod1.campaign.adobe.com/res/sagagro_mkt_pro=
d1/4454377f22f469877a226b9446d63ab4.png" width=3D"130" height=3D"1" =
alt=3D"" style=3D"display: block; border: 0; outline: none;" =
border=3D"0" /></th>
                  </table></th>
          <th width=3D"50" align=3D"center" class=3D"hide-sm" =
style=3D"font-family: 'Ambit', Arial, sans-serif; font-size:1px; =
line-height: 1px;"></th>
        </tr>
      </table></td>
  </tr>
</table>
<!-- Motorhome insurance quote awards--> </td>
  </tr>
</table>
<!-- Awards pers block container-->=20
<!-- seperator with space -->
<table class=3D"wrapper" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%" style=3D"border-collapse: =
collapse;">
  <tr>
    <td align=3D"center"><table class=3D"container full-width-sm" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"700" =
bgcolor=3D"#fdfdfd" style=3D"border-collapse: collapse;">
        <tr>
          <td style=3D"font-size:1px; line-height:1px; text-align:left; =
padding: 30px 0px 30px 0px;">&nbsp;</td>
        </tr>
      </table></td>
  </tr>
</table>
<!-- seperator with space -->=20
<!-- Group banner pers block container-->
<table class=3D"wrapper" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%" style=3D"border-collapse: =
collapse;">
  <tr>
    <td style=3D"font-size:1px; line-height:1px; mso-line-height: =
exactly; text-align:left; padding-top: 10px">&nbsp;</td>
  </tr>
  <tr>
    <td align=3D"center"><style type=3D"text/css">
@media only screen and (max-width: 647px) {
.smallerfont26 {
    font-size: 26px!important;
    line-height: 36px!important;
}
}
</style>
<table class=3D"container" align=3D"center" cellpadding=3D"0" =
cellspacing=3D"0" bgcolor=3D"#d6ecea" role=3D"presentation" =
width=3D"700" style=3D"border-collapse: collapse; border-radius: 7px 7px =
0px 0px;">
  <tr>
    <td align=3D"left" class=3D"px-sm-20"><table cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" width=3D"100%">
        <tr>
          <th width=3D"30" align=3D"center" class=3D"hide-sm" =
style=3D"font-size:1px; line-height: 1px;">&nbsp;</th>
          <th class=3D"col" width=3D"640" align=3D"left" ><table =
class=3D"full-width-sm" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%">
              <tr>
                <td style=3D"font-size:1px; line-height:1px; =
mso-line-height: exactly; text-align:left; padding-top: =
30px">&nbsp;</td>
              </tr>
              <tr>
                <td class=3D"smallerfont26" align=3D"center" =
style=3D"font-family: 'Ambit', arial, sans-serif; font-size:36px; =
line-height:44px; mso-line-height-rule: exactly; text-align:center; =
font-weight:bold; color: #1e3282; text-transform: uppercase;"><span =
class=3D"smallerfont">We would like to introduce <br class=3D"hide-sm">
                  you to the whole family</span></td>
              </tr>
              <tr>
                <td style=3D"font-size:1px; line-height:1px; =
mso-line-height: exactly; text-align:left; padding-top: =
10px">&nbsp;</td>
              </tr>
              <tr>
                <td align=3D"center"><table class=3D"container" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
bgcolor=3D"#E5F3F3" width=3D"550" style=3D"border-collapse: collapse;">
                    <tr>
                      <td =
background=3D"http://res1.email3.saga.co.uk/res/sagagro_mkt_prod1/944f435=
41122a4e13668925e1a5ef87648234e7c0d889dff2e683ddedc36658a.jpg" =
bgcolor=3D"#1e3282" width=3D"500" height=3D"10" valign=3D"top" =
style=3D"background-repeat: repeat; background-position: center; =
background-size: cover; overflow:hidden;"><!--[if gte mso 9]>
  <v:rect xmlns:v=3D"urn:schemas-microsoft-com:vml" fill=3D"true" =
stroke=3D"false" style=3D"width:500px; height:10px;position:relative;">
    <v:fill type=3D"tile" =
src=3D"http://res1.email3.saga.co.uk/res/sagagro_mkt_prod1/944f43541122a4=
e13668925e1a5ef87648234e7c0d889dff2e683ddedc36658a.jpg" =
color=3D"#1e3282" />
    <v:textbox inset=3D"0,0,0,0">
  <![endif]-->
                       =20
                        <div>
                          <table cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" width=3D"100%">
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                              <td align=3D"left" style=3D"display:block; =
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