Saga car insurance review

Our verdict

Our verdict

With a range of optional extras and features tailored to older drivers, Saga Select 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 always, it’s crucial to shop around and compare other car insurance policies on offer before you make a decision.

Pros

• Unlimited European use cover
• Protection against uninsured drivers

Cons

• You have to be at least 50 years old to be eligible for cover

6.9 Standard

Saga specialises in cover for people over the age of 50 and there are 3 levels of comprehensive car cover, all of which include a courtesy car. Here’s what else you need to know.

Compare Saga’s car insurance policies

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Courtesy car cover	New car replacement	EU cover	Personal accident cover	Multi-car discount
Saga Select comprehensive				Yes		Finder's summary: Saga offers 3 levels of comprehensive cover, with this being the middle policy. It's a strong offer for those wishing to travel to Europe with their car several times a year, as cover within Europe is unlimited as well as offering a range of optional extras to strengthen their policy. Who it might be good for: Over-50s looking for a mid-range comprehensive policy, to cover more than the essentials.	More info Compare product selection Compare	loading
Saga Plus comprehensive				Yes		Finder's summary: 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. Who it might be good for: Someone over 50 who wants an all-round comprehensive policy.	Compare quotes More info Compare product selection Compare	loading

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Who is Saga?

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 over-50s in the 1980s.

Who underwrites Saga’s car insurance?

Although Saga is an insurance provider, Saga car insurance policies are underwritten by a panel of insurers such as AXA, Covea, Liverpool Victoria, Sabre, Zenith, as well as its own in-house underwriter Acromas.

Saga Services Ltd is authorised and regulated by the Financial Conduct Authority.

What’s covered under my policy?

Saga offers 3 levels of comprehensive car insurance. All include a courtesy car if your car is being repaired after an accident. If you’re responsible for causing an accident, you’ll be covered for damage to third party vehicles or property, as well as your own car.

Have a look at the table below to see what the cover options from Saga offer.

Check your policy details carefully to ensure you have the right cover for your needs.

Optional extras

Saga offers a range of additional protection to bolt onto your policy, where it’s not included:

• Breakdown assistance
• Legal protection included in Plus policy
• Increased personal accident cover
• Key protection included in Plus policy

What are Saga’s different policies?

Saga offers 3 comprehensive policies, all with varying levels of cover. You can take out multi-car or electric car cover under one of these policies. Saga also offers third party and third party, fire and theft cover, but you won’t be able to get a quote for these online.

• Saga Standard

  With the most basic level, Saga Standard, you’re covered at the same level as in the UK for up to 90 days of driving in the EU per year. This level doesn’t include protection for your no-claims discount (NCD), though you can add it.

• Saga Select

  Saga Select sits between Standard and Plus in what it offers. It comes with protection for you NCD and you won’t lose your NCD if you make a valid claim because of vandalism to your car. It also includes misfuelling cover, so you have peace of mind if you make a mistake at the petrol station. EU driving cover is unlimited.

• Saga Plus

  With Saga Plus insurance, your price stays the same for 3 years, if nothing changes (T&Cs apply). And although the price is set for 3 years, you’re not tied in – it’s still your choice if you want to stay with Saga at every renewal. And you can leave mid-policy with no cancellation fee to pay. It also includes key protection, legal expenses insurance and unlimited EU driving cover, among other benefits.

How do I make a claim?

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:

• Details about the incident
• Names and contact details of everyone involved in the incident such as third parties, passengers and witnesses
• Details about the damage or injuries sustained
• Photographic evidence, if available

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.

What is my excess?

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 may lower your premium.

You’ll find details about any compulsory or voluntary excesses in your policy document.

Saga car insurance customer reviews

Customers who took part in Finder’s 2024 customer satisfaction survey were fairly positive about the brand, with many highlighting its “fast and helpful” customer service and fair prices.

One customer said: “Saga was easy to deal with when I had to make a claim.”

Of the Saga customers in our survey, 76% said they’d recommend the brand to a friend.

On customer reviews platform Trustpilot, Saga as a company has 4.1 out of 5 stars and a rating of “Great”, based on more than 38,000 reviews. Customers praised the simple application process, efficient service and easy renewal, but some reported unexpected price hikes and a few reported communication problems (updated April 2024).

What proportion of Saga car insurance customers would recommend it to friends/family?

How to cancel Saga car insurance

You need to call Saga on 0800 056 9167 to cancel your car insurance.

You will receive a full refund from Saga within the first 14 days of your premium paid in the circumstance that your cover has not yet begun, or the unused part if your cover has already begun. If it is after 14 days then there is a £50 fee.

Frequently asked questions

• How long is a quote from Saga valid for?

  A quote from Saga is only guaranteed on the day it is provided.

• Can I get insurance that starts immediately?

  Yes. If you wish, cover can start instantly.

• Can I pay for my car insurance in monthly instalments?

  Yes, Saga offers policies that can be paid in full or by monthly direct debit payments.

• Does Saga offer temporary cover?

  Yes but only for existing policyholders for cover on a second car for up to 28 days.

• Who are the underwriters for Saga car insurance?

  Saga car insurance policies are underwritten by a panel of insurers such as AXA, Covea, Liverpool Victoria, Sabre, Zenith, as well as its own in-house underwriter Acromas.

• When was Saga founded?

  Saga was founded in 1951 by Sidney de Haan in Kent.

• Is Saga any good?

  Finder’s insurance experts assessed the cover offered by Saga and gave its standard comprehensive policy 4 stars out of a maximum 5. Our customer satisfaction surveys have also shown the brand is generally popular with those who know best – the customers – with a 76% rating for 2024.

• How do I check my Saga car insurance expiry date?

  You can check your expiry date with the MySaga online portal or by calling 0800 092 9104.

Written by

Liz Edwards

Editor-in-chief

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Liz Edwards has been a consumer writer and editor for more than 20 years. She led award-winning teams at the campaigning publisher Which?, and has covered a range of consumer rights and personal finance topics including pensions, credit, banking and insurance. Liz has appeared frequently in national media such as The Sun, Metro, HuffPost and The Independent. She loves to cut through waffle to give consumers the real lowdown. And she loves puns. See full bio

Liz's expertise

Liz has written 52 Finder guides across topics including:

• Consumer rights and protection
• Saving money
• Buy now, pay later
• Insurance
• Consumer trends

Co-written by

Jason Loewenthal

Senior writer

Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio