What Is Saga Car Insurance?

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Saga car insurance is for drivers over 50. It offers special car insurance policies with different levels of cover to fit each person’s needs. Saga began as a travel insurance company. Now, they also sell car insurance, home insurance, and pet insurance. They have their own cruise ship operation and provide other financial services too.

Saga is a leading insurance provider. They aim to offer the right services to their customers. Saga features good prices and flexible insurance policies. They also give strong support to their clients. With Saga, you can find reliable coverage and extra benefits, especially for people over 50.

Saga Car Insurance Cover Levels: Comprehensive vs Third-Party

When you pick Saga car insurance, you can choose from three types of cover:

  • Third-Party Only (TPO): This is the basic car insurance you need in the UK. It pays for damage to other cars and property, but not for any damage to your own car.
  • Third-Party Fire and Theft: This policy gives you coverage against theft and fire damage to your car. It still pays for damages to other people's property.
  • Comprehensive Cover: This is the best level of cover. It protects both your car and other cars in case of an accident, fire, or theft. It also includes extra benefits such as windscreen cover, personal accident cover, and an uninsured driver promise. This promise helps you by covering you if an uninsured driver hits your car.

These types of car insurance are designed for different needs. You can pick affordable TPO cover, or you can get strong comprehensive cover.

Saga Car Insurance Policy Options: Standard, Select, and Plus

Saga offers three special insurance policies. They provide full coverage and additional benefits. This helps drivers feel secure and flexible. Below are the comparisons of the Saga Standard, Saga Select, and Saga Plus policies.

Saga Standard Policy

Saga Standard Car Insurance Cover Rating
Fire excess £100 ★★★★☆
Theft excess £100 ★★★☆☆
Accidental damage excess £150 ★★★☆☆
Windscreen replacement excess £100 ★★★☆☆
NCD affected if hit while parked Yes - can be reinstated ★★★☆☆
Windscreen damage limit Market value ★★★★★
Window damage limit Market value ★★★★★
Cancellation fee after cooling off period £50 ★★☆☆☆
Repairs guarantee period 5 years ★★★★★
Total loss courtesy car Optional extra ★★★☆☆
Replacement car provided As standard ★★★★★
Replacement car guaranteed availability As standard ★★★★★
Misfuelling cover Not covered -
Onward travel limit £500 ★★★★☆
Driving other cars cover Third party ★★★☆☆
Driving other cars - emergency No ★★★★★

Correct as of 17/10/2024

Saga Standard provides key coverage. It includes replacement car cover and a 5-year warranty for repairs. You can also receive up to £500 for travel after an incident. It is a good option for those who want dependable protection. However, it does not cover misfuelling or offer extra benefits such as NCD protection.

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Saga Select Policy

Saga Select Car Insurance Cover Rating
Fire excess £100 ★★★★☆
Theft excess £100 ★★★☆☆
Accidental damage excess £150 ★★★☆☆
Windscreen replacement excess £75 ★★★★☆
NCD affected if hit while parked Yes - can be reinstated ★★★☆☆
Windscreen damage limit Market value ★★★★★
Window damage limit Market value ★★★★★
Cancellation fee after cooling off period £50 ★★☆☆☆
Repairs guarantee period 5 years ★★★★★
Total loss courtesy car Optional extra ★★★☆☆
Replacement car provided As standard ★★★★★
Replacement car guaranteed availability As standard ★★★★★
Misfuelling cover As standard - draining of fuel and engine damage ★★★★★
Onward travel limit £500 ★★★★☆
Driving other cars cover Third party ★★★☆☆
Driving other cars - emergency No ★★★★★

Correct as of 17/10/2024

Saga Select has special benefits. It gives no-claims discount (NCD) protection and covers misfuelling. This means drivers are protected in several situations. The policy also includes a 5-year repair guarantee and help for travel afterward. This provides drivers with more options.

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Saga Plus Policy

Saga Plus Car Insurance Cover Rating
Fire excess £100 ★★★★☆
Theft excess £100 ★★★☆☆
Accidental damage excess £150 ★★★☆☆
Windscreen replacement excess £75 ★★★★☆
NCD affected if hit while parked No ★★★★★
Windscreen damage limit Market value ★★★★★
Window damage limit Market value ★★★★★
Cancellation fee after cooling off period No fee ★★★★★
Repairs guarantee period 5 years ★★★★★
Total loss courtesy car Optional extra ★★★☆☆
Replacement car provided As standard ★★★★★
Replacement car guaranteed availability As standard ★★★★★
Misfuelling cover As standard - draining of fuel and engine damage ★★★★★
Onward travel limit £500 ★★★★☆
Driving other cars cover Third party ★★★☆☆
Driving other cars - emergency No ★★★★★

Correct as of 17/10/2024

Saga Plus offers a full package of benefits. It comes with key cover and a three-year fixed price policy. You won't lose your No Claims Discount (NCD) if someone damages your parked car. This plan is great for drivers who want complete coverage and extra perks, like taxi rides and misfuelling cover.

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Optional Extras with Saga Car Insurance

Saga allows you to adjust your policy with additional options. This helps make your policy suit your needs more closely. Here are some of the extra choices you can add:

  • Breakdown cover: This helps you when your car stops working. You will get help at the roadside when you need it.
  • Private medical insurance: This is for drivers who want to use private healthcare after an accident.
  • Legal protection: This helps pay for legal costs if you want to claim for losses not covered by insurance after an accident.
  • Windscreen cover: This protects you from paying to fix or replace your windscreen.

These extras can be added to your policy to boost your car insurance cover. This is helpful, especially for those who pick TPO cover and need more protection.

How Much Does Saga Car Insurance Cost?

The cost of Saga car insurance depends on several factors. This includes your level of cover, how you drive, and the type of car you own. For example, Saga Select and Saga Plus plans come with additional features, which can increase the price. In contrast, Saga Standard provides more affordable choices.

Factors influencing your premium include:

  • Your history of claims and driving record.
  • The kind of vehicle and its location in the UK.
  • The level of cover you choose. Comprehensive cover usually costs more than TPO or third-party fire and theft.

Saga offers great rates. This is especially for those who want to get cover with a long-term policy.

Saga Car Insurance Cost

How to Get a Saga Car Insurance Quote

Getting a quote for a Saga insurance policy is easy with tools like Free Price Compare. These tools help you see car insurance quotes from various providers, including Saga. All you need to do is input some details about your vehicle and some personal information. This way, you can quickly find the best deal that suits your needs.

Saga gives discounts. You can save money if you drive less or combine your insurance policies, like car insurance and home insurance. Paying your premium once a year instead of every month can also help you save.

Saga Car Insurance Discounts and Savings

Saga offers you several ways to reduce your car insurance cost.

  • Claims discount protection: This allows you to keep your no-claims discount even if you file claims for specific events.
  • Bundling policies: When you have several Saga insurance products, such as pet insurance or travel insurance, you can usually get a better overall rate.
  • Annual payment: You can save money on interest by paying your premium in one payment rather than monthly.

Drivers can save money on car insurance by using these discounts. They do not need to compromise on the quality of their car insurance cover.

Saga TrustPilot Reviews Breakdown

Saga Car Insurance Customer Reviews and Ratings

Saga is among the best car insurance providers in the UK for drivers who are over 50. It has more than 2.1 million customers. The company received a 5-star Defaqto rating for its car insurance policies. This rating means that its coverage is dependable and complete.

Saga has a rating of 3.9 out of 5 on TrustPilot, based on 39,200 reviews. Customers often point out its great customer service and low prices. They also appreciate the helpful options like key cover and European cover. Around 75% of the reviews are 5 stars, showing that many are very satisfied. A lot of users enjoy the uninsured driver promise, which gives drivers more peace of mind.

Saga Car Insurance Renewal and Cancellation Process

Saga makes it simple to renew your policy. They send you a reminder 21 days before your policy ends. This gives you time to look over your coverage. If you need to, you can make changes too.

If you want to cancel your policy, you can do it anytime by contacting Saga customer service. There is usually a £50 cancellation fee. But, if you cancel within the 14-day cooling-off period, you won't need to pay any fee.

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How does Saga car insurance compare to other providers in terms of coverage and cost?

Saga car insurance offers comprehensive coverage options tailored for older drivers, with perks such as uninsured driver cover and increased personal accident benefits. While it may be slightly pricier due to the specialised focus, the added benefits often justify the cost compared to other providers.

FAQs About Saga Car Insurance

Yes, Saga car insurance covers electric vehicles in its comprehensive cover and other levels of cover. This protects both regular cars and electric cars.

Saga offers a multi-car insurance option. This allows you to add several vehicles to your policy. You can receive discounts when you include multiple cars in the same plan.

Yes, you can pay your Saga car insurance premium each month. If you choose to pay for the entire year at once, you can save money on extra interest and service fees.

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Page last updated on: 02/12/2024

Page reviewed by: Shay Ramani

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