Saga car insurance review

We've analysed Saga's car insurance, which is for people aged over 50.

Last updated:

Saga car insurance
Customers say
★★★★★
Customer satisfaction
Customers reported good cover and friendly staff
Many customers reported premium hikes on renewal
With every 5-star Defaqto-rated comprehensive car insurance policy, Saga says it guarantees protection against uninsured drivers, a replacement car if yours is being repaired, and unlimited cover to drive in the EU. Here’s what else you should know about this specialist insurer for people aged over 50.

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.

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.

Who underwrites Saga’s car insurance?

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.

Compare Saga’s car insurance policies

Updated February 24th, 2020
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Saga Third Party
Saga Third Party
Yes
Yes
No
Legal Protection
Saga Third party, fire and theft
Saga  Third party, fire and theft
Yes
No
No
Legal Protection
Saga Comprehensive
Saga Comprehensive
Yes
Yes
No
Legal Protection

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What is covered under my policy?

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 NameSaga Third party, fire and theftSaga Comprehensive
Damaged windscreen and window glass
Fire and theft
Personal accident and road rage
Medical expenses
Personal belongings
Liabilities to third parties
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, including:

  • Breakdown assistance
  • Breakdown repair
  • Legal Protection
  • Replacement car
  • Increased personal accident cover
  • Accident healthcare

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 should 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 pros and cons

Pros

  • Unlimited European use cover
  • Protection against uninsured drivers
  • Discounts for insuring additional cars registered to the same address for drivers over 50
  • 5-star Defaqto-rated comprehensive car insurance policies

Cons

  • Changing your details mid-term may result in a £25 admin fee
  • Cancelling a policy may result in an admin fee of up to £50

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.

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.

Frequently asked questions


Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our customer satisfaction scores (“Customers say”) are based on a survey of 750 customers carried out in December 2019.
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.
*51% of consumers could save £200. To get this figure, aggregator Seopa selected quotes from popular providers and others, weighting according to market share, and compared the cheapest with the cheapest on its system. Your savings will depend on your own circumstances.

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