{"id":365541,"date":"2021-01-19T16:00:51","date_gmt":"2021-01-19T16:00:51","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=365541"},"modified":"2026-02-17T07:35:13","modified_gmt":"2026-02-17T07:35:13","slug":"saga-breakdown-cover","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/breakdown-cover\/saga-breakdown-cover","title":{"rendered":"Saga breakdown cover review"},"content":{"rendered":"<p>Saga is a financial services company which specialises in serving over-50s. It offers insurance, retirement planning products and savings accounts, as well as car breakdown cover. Saga offers breakdown cover as an add-on to its car insurance.<\/p><p>In this guide, we&#8217;ll explore the benefits of Saga breakdown cover and the cover options available.<\/p><h3 id=\"learn\">What types of policy are on offer?<\/h3><p>Saga offers 5 levels of breakdown cover. They&#8217;re listed below in order of affordability, with the cheapest first.<\/p><ul><li><strong>Essential.<\/strong> With this policy, you&#8217;re eligible for roadside repair when you break down. If the vehicle can&#8217;t be repaired, you&#8217;re eligible for recovery to the nearest garage, plus reimbursement of taxi costs to transport you up to 20 miles.<\/li><li><strong>Home Call. <\/strong> All the benefits of the Essential policy, plus recovery in your home, or up to a quarter of a mile from your home.<\/li><li><strong>National Recovery.<\/strong> All the benefits of the Essential policy, but recovery is extended to anywhere in the UK.<\/li><li><strong>Comprehensive.<\/strong> All the benefits of the National Recovery policy, plus you can use a hire car or overnight accommodation if you need it.<\/li><li><strong>Premier.<\/strong> All the benefits of the Comprehensive policy, plus protection across most of Europe.<\/li><\/ul><p>You can choose to add additional vehicles to your policy, protecting other vehicles in your household at a discounted price.<\/p><p>You can also buy personal cover, which protects you and your spouse no matter what car you or they are driving.<\/p><h3>Claims process<\/h3><p>If you break down, call <strong>0800 068 1966 <\/strong>for assistance. You&#8217;ll have to provide various details of your policy, your vehicle and where you are.<\/p><p>Saga says a breakdown expert will be with you within an average of 57 minutes, and on 8 out of 10 occasions they&#8217;ll be able to repair your vehicle at the roadside.<\/p><h3>Managing your policy online<\/h3><p>To manage your Saga policy, click the MySaga button at the top of the Saga website.<\/p><h3>Saga breakdown customer reviews<\/h3><p>Saga&#8217;s breakdown service fared well in Finder&#8217;s <a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/best-breakdown-cover#league-table\">2024 customer satisfaction survey,<\/a> with 85% of its customers saying they&#8217;d recommend the brand to a friend.<\/p><p>Customers mentioned &#8220;helpful&#8221; and &#8220;excellent&#8221; service, although several thought prices were too high.<\/p><p>Saga has over 38,000 reviews on Trustpilot, with an average rating of 4.2 out of 5, which is classed as &#8220;great&#8221;. The rating spans all its products and services (last updated: February 2024). <\/p><h3>Pros and cons<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Five policies to choose from<\/li>\n                                    <li>You can add your spouse and\/or additional vehicles to your policy<\/li>\n                                    <li>Great customer service<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Available to over-50s only<\/li>\n                                    <li>Average call-out time is 57 minutes, which is a lot higher than many of its competitors<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Our verdict<\/h3><p>Saga provides a comprehensive car breakdown service with 5 policies to choose from, but it&#8217;s available to over-50s only and the call-out wait time appears longer than some.<\/p><p>Get started by visiting Saga&#8217;s website and sign up for a policy. If you have read this review and decided that Saga breakdown cover is not for you, you can also <a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover#comparison-table\">compare other breakdown cover policies<\/a> on the market.<\/p><h3 id=\"faqs\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What happens if I need a tyre changed?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you get a puncture or need a tyre changed, you can call out an expert for assistance if necessary.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Am I covered for misfuelling or running out of fuel?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, you&#8217;ll still be covered. <\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Will my caravan or trailer be protected?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Your caravan or trailer will be protected to the same level as your vehicle. <\/div>\n  <\/div>\n<\/li><\/ul>\n\n<div class=\"box no-padding-bottom\">\n<h4 id=\"methodology\">Breakdown cover ratings<\/h4>\n<div class=\"u-grid\"><div class=\"u-grid__col u-1\/3@s\"><div><span class=\"luna-stars luna-stars__fill--100 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2014 Excellent<\/div><div><span class=\"luna-stars luna-stars__fill--80 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2014 Good<\/div><div><span class=\"luna-stars luna-stars__fill--60 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2014 Average<\/div><div><span class=\"luna-stars luna-stars__fill--40 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2014 Subpar<\/div><div><span class=\"luna-stars luna-stars__fill--20 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2014 Poor<\/div><\/div><div class=\"u-grid__col u-2\/3@s\"><p>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.<\/p><p>To find out more, read our <a href=\"https:\/\/www.finder.com\/uk\/methodology-for-insurance-ratings\">full methodology<\/a>.<\/p><\/div><\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Find out what you need to know about Saga breakdown cover. <\/p>\n","protected":false},"author":923,"featured_media":85173,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2886],"tags":[3823],"asset_tag":[],"class_list":["post-365541","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-breakdown-cover","tag-insurance-latest-3"],"apple_news_notices":[],"yoast_head":"<!-- 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