Saga car insurance review

We've analysed Saga's car insurance, which is for people aged over 50. This well-known, highly rated insurer also offers a range of extra protection to enhance your car cover.

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Saga car insurance

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.

What are Saga’s levels of cover?

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.
This will give the same level of cover as third party but will also provide protection against any fire damage to your car or theft of your car.
This gives the same protection as the other levels as well as insuring your vehicle against accidental damage and vandalism. It can be cheaper than third party, or TPFT, so it’s always worth checking.

What types of car insurance are available?

  • Single-car insurance.
  • Multi-car insurance. A multi-car discount will be applied by Saga for every additional car registered at the same address for drivers aged over 50

What is covered under my policy?

Cover benefitsThird PartyThird Party, Fire and TheftComprehensive
Liability to other people and property
Fire and theft
Accidental damage
Personal accident cover
Protected no-claims discount
Legal expenses
Uninsured driver cover
Audio/visual equipment cover
Accidental damage to audio/visual equipment
Replacement car
Personal belongings up to £1,000 or £2,000 in December
Personal accident cover up to £5,000 for policyholder and spouse
Medical expenses up to £300 per person
Emergency accommodation up to £500
Cover for any person with full driver’s licence to drive car during medical emergency
Windscreen, window and sunroof cover
Up to two years of new-for-old cover for a new car
Unlimited EU cover

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

General exclusions

Any cover offered by Saga is likely to become invalid if any of the following arises:

  • You change the use of your car from its original use. For example, changing from social domestic and pleasure to business use.
  • Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
  • You use your car at rallies, races or competitions.
  • You are paid to carry passengers.
  • You fail to pay for your premium.
  • You change your car during the policy term to a car that the insurer cannot cover.
  • You do not provide the correct documents to support your application.

Check your policy for further details to confirm your cover is valid.

How to save on your car insurance policy with Saga

  • Increasing security. If your car is not currently fitted with an alarm, think about adding one to reduce your premium.
  • Having a secure location to park your car. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
  • Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
  • Fewer drivers. Only add drivers to your policy that regularly drive your car
  • Larger excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.

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 pros and cons


  • 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


  • 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

Frequently asked questions

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