Saga car insurance review

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

3.9 ★★★★★ (262 reviews) Write a review
Saga

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
Saga Select comprehensive
★★★★★
Finder score

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

Name Product Courtesy car cover New car replacement EU cover Personal accident cover Multi-car discount Link
Saga Select comprehensive
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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.
Saga Plus comprehensive
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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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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.

Product NameSaga StandardSaga 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 protectionOptional
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 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.

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?

ResponseSaga customersAverage for all brands in our survey
This year76.06%80.55%
Last year72.88%78.53%
Source: Finder survey by OnePoll of 750 Brits

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

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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54
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Written by

Editor-in-chief

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 105 Finder guides across topics including:
  • Consumer rights and protection
  • Saving money
  • Buy now, pay later
  • Insurance
  • Consumer trends
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Co-written by

Writer

Jason is a freelance 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

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