Saga

Saga car insurance review

Compare Saga's over-50s car insurance to see what's included, pros and cons of cover and whether it's right for you.

3.9 ★★★★★ (261 reviews) Write a review

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.

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 this group in the 1980s.

Saga specialises in insurance for the over-50s, and won Finder’s Car Insurance Customer Satisfaction Award in 2022.

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.

Compare Saga’s car insurance policies

1 - 2 of 2
Name Product Courtesy car cover New car replacement EU Cover Personal accident cover Multi-car discount Link
Saga Select comprehensive
Yes
Finder's summary: Saga offers two levels of comprehensive cover, with this being the more basic of the two. 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 basic comprehensive policy, to cover the essentials.
Saga Plus comprehensive
Yes
Compare quotes
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.
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What is 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.

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. With the higher levels, Saga Select and Saga Plus, EU driving cover is unlimited and both protect your NCD.

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 and legal expenses insurance, among other benefits.

Saga offers third party, and third party, fire and theft cover, but you won’t be able to get a quote for these online.

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

Product NameSaga Third party, fire and theftSaga Select comprehensiveSaga Plus comprehensive
Damage to your car
Damaged windscreen and window glass
Fire and theft
Personal accident cover
Medical expenses
Personal belongings
Liabilities to third parties
Using the car abroad
Alternative travel costs
No claims discount protection
Permanently fitted audio equipment

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 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.

What is the claims process for Saga?

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.

Saga car insurance customer reviews

Customers who took part in Finder’s 2024 customer satisfaction survey were fairly positive about Saga, 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.”

Saga received an overall customer satisfaction score of 3.5 out of 5, and 76% of customers said they would recommend the brand to a friend.

On customer review platform Trustpilot, Saga as a company has 4.2 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 February 2024).

How satisfied are Saga's car insurance customers vs other brands'?

ResponseSaga customersCustomers of other brands
Very satisfied40.85%35.94%
Reasonably satisfied42.25%37.26%
Neither satisfied nor dissatisfied8.45%19.88%
Moderately dissatisfied5.63%5.60%
Highly dissatisfied2.82%1.33%
Source: Finder survey by OnePoll of 750 Brits, December 2023

Saga car insurance pros and cons

Pros

  • Unlimited European use cover
  • 3-year fixed price option
  • Protection against uninsured drivers

Cons

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

Our verdict

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.

Unfortunately, you must be at least 50 years old to be eligible for cover. The 3-year fixed price option (if nothing changes) is attractive if you’re looking for extra peace of mind (although it’s based on the assumption that no details about the drivers or the car will change).

As always, it’s crucial to shop around and compare other car insurance policies on offer before you make a decision.

Frequently asked questions

Car insurance scores

★★★★★ — 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.

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (June ’23). 51% of car insurance customers could save £488.46

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