★★★★★
Finder expert rating
★★★★★
Customer satisfaction
81% of Saga's customers in our 2020 customer satisfaction survey would recommend it to a friend.
Many customers reported premium hikes on renewal.What's in this review?
With every comprehensive car insurance policy, Saga says it guarantees protection against uninsured drivers, a courtesy car if needed 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
What is covered under my policy?
Saga offers two levels of comprehensive car insurance. If you are 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 two cover options from Saga offer.
| Product Name | Saga Third party, fire and theft | Saga 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 | ✓ | ✓ |
Optional extras
Saga offers a range of additional protection to bolt onto your policy, including:
- Breakdown assistance
- Legal Protection
- Replacement car
- Increased personal accident cover
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 customer reviews
Saga won the award for Highly Commended in the car insurance category in Finder’s 2020 customer satisfaction awards, with 5 out of 5 stars and 81% of customers saying they would recommend the service.
On customer review platform Trustpilot, Saga as a company has 4.6 out of 5 stars and a rating of Excellent, based on more than 11K reviews.
Customers praised the simple application process, efficient service and easy renewal, but some reported price hikes on renewal, which left them less than impressed (updated 27 April 2020).
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
- Highly commended in our 2020 Finder Customer Satisfaction Awards with a score of 5 out of 5 stars
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
- You have to be at least 50 years old to be eligible for cover
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. Nevertheless, the car cover Saga offers to over 50s comes highly commended by our own 2020 Finder Customer Satisfaction Awards.
Just remember to shop around and compare the deals on offer.
Frequently asked questions
Car insurance ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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