Saga breakdown cover review

Discover the pros and cons of Saga breakdown cover, plus the types of policy available to you.

3.9 ★★★★★ (112 reviews) Write a review

Saga is a financial services company which specialises in serving over-50s. It offers insurance, retirement planning products and savings accounts, as well as car breakdown cover. Saga offers breakdown cover as an add-on to its car insurance.

In this guide, we’ll explore the benefits of Saga breakdown cover and the cover options available.

What types of policy are on offer?

Saga offers 5 levels of breakdown cover. They’re listed below in order of affordability, with the cheapest first.

  • Essential. With this policy, you’re eligible for roadside repair when you break down. If the vehicle can’t be repaired, you’re eligible for recovery to the nearest garage, plus reimbursement of taxi costs to transport you up to 20 miles.
  • Home Call. All the benefits of the Essential policy, plus recovery in your home, or up to a quarter of a mile from your home.
  • National Recovery. All the benefits of the Essential policy, but recovery is extended to anywhere in the UK.
  • Comprehensive. All the benefits of the National Recovery policy, plus you can use a hire car or overnight accommodation if you need it.
  • Premier. All the benefits of the Comprehensive policy, plus protection across most of Europe.

You can choose to add additional vehicles to your policy, protecting other vehicles in your household at a discounted price.

You can also buy personal cover, which protects you and your spouse no matter what car you or they are driving.

Claims process

If you break down, call 0800 068 1966 for assistance. You’ll have to provide various details of your policy, your vehicle and where you are.

Saga says a breakdown expert will be with you within an average of 57 minutes, and on 8 out of 10 occasions they’ll be able to repair your vehicle at the roadside.

Managing your policy online

To manage your Saga policy, click the MySaga button at the top of the Saga website.

Saga breakdown customer reviews

Saga’s breakdown service fared well in Finder’s 2024 customer satisfaction survey, with 85% of its customers saying they’d recommend the brand to a friend.

Customers mentioned “helpful” and “excellent” service, although several thought prices were too high.

Saga has over 38,000 reviews on Trustpilot, with an average rating of 4.2 out of 5, which is classed as “great”. The rating spans all its products and services (last updated: February 2024).

Pros and cons


  • Five policies to choose from
  • You can add your spouse and/or additional vehicles to your policy
  • Great customer service


  • Available to over-50s only
  • Average call-out time is 57 minutes, which is a lot higher than many of its competitors

Our verdict

Saga provides a comprehensive car breakdown service with 5 policies to choose from, but it’s available to over-50s only and the call-out wait time appears longer than some.

Get started by visiting Saga’s website and sign up for a policy. If you have read this review and decided that Saga breakdown cover is not for you, you can also compare other breakdown cover policies on the market.

Frequently asked questions

Breakdown cover ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

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Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

Danny's expertise
Danny has written 368 Finder guides across topics including:
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