Saga originally focused on travel for people aged over 50 and then branched out to offer travel, home and motor insurance, and other financial services, for this group in the 1980s.
With 65 years of experience, it has become one of the UK’s leading insurance providers for the over-50s, winning a number of awards for its products and services.
Although Saga is an insurance provider, Saga car insurance policies are underwritten by a panel of around seven insurers such as AXA, Covea, ABC and Zenith, as well as its own in-house underwriter AICL.
Saga Services Ltd is authorised and regulated by the Financial Conduct Authority.
Third party cover is the minimum level of cover that Saga offers. All drivers in the UK are legally obliged to have at least this insurance. If you are responsible for causing an accident, you’ll be covered for damage to third party vehicles or property. It won’t however, cover any damage to your own car.
Have a look at the table below to see what the other two cover options from Saga offer.
|Product Name||Saga Third party, fire and theft||Saga Comprehensive|
|Damaged windscreen and window glass||✓|
|Fire and theft||✓||✓|
|Personal accident and road rage||✓|
|Liabilities to third parties||✓||✓|
|No claims discount protection||✓||✓|
|Permanently fitted audio equipment||✓||✓|
Saga offers a range of additional protection to bolt onto your policy, including:
Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your car and your driving experience.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
You should call the Saga claims line on 0800 001 5424 to make a claim.
This is a UK-based 24-hour claims line open 7 days a week.
You will need to provide the following information:
It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
With a range of optional extras and features tailored to older drivers, Saga’s comprehensive cover is a solid option for customers aged over 50. It’s an especially strong offer for those wishing to travel to Europe with their car several times a year, as cover within Europe is unlimited.
As Saga in a specialist provider, it might not offer the best deal for younger drivers. That said, everyone’s circumstances are different, so it’s always good to shop around.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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