Saga car insurance policy details
Saga exclusively provides car insurance for people over 50, with no upper age limit.
Saga offers three levels of cover: Saga Plus, Saga Select and Saga Standard. Saga Plus is the premium car insurance product, with more benefits than Saga Select and Saga Standard.
Saga Standard is only available through comparison sites and comes packed with essential features.
Saga Plus includes a 3-year fixed price, so you’ll pay the same at your next two renewals provided nothing has changed with your policy. There’s also onward taxi travel after a UK accident, legal protection, key protection and accident healthcare cover all included as standard with Saga Plus.
Saga’s comprehensive car insurance policies also include a guaranteed replacement car while yours is being repaired after an accident anywhere in the UK, if you use Saga's repairer network, or until it's declared a total loss.
Saga's policies are comprehensive car insurance policies. This means your car will be insured in accidents where you’re to blame. It also covers damage to your car through fire or theft and damage to other people’s vehicles and any injuries sustained to others.
The policies include a range of cover as standard. But, as it’s Saga’s premium offering, Saga Plus includes some extra benefits, some of which are available as optional extras for Saga Select and Saga Standard policies.
Protected no-claims bonus (NCB). If you have four or more years of NCB, Saga will protect your NCB against two claims that were your fault over a 3 year period. Protected NCB is included with both Saga Plus and Saga Select. It's available as an optional extra on Saga Standard policies.
Uninsured driver cover is included with Saga Plus, Saga Select and Saga Standard. If an uninsured driver hits your car and you’re not at fault, Saga will refund your excess without reducing your NCB. To be eligible you'll need to supply Saga with the driver's registration and the accident details.
European cover is available with all Saga comprehensive car insurance. It covers you to drive in 30 European countries for up to 90 days on Saga Standard policies and an unlimited period on Saga Plus and Saga Select policies.
3-year fixed price with Saga Plus, meaning your policy will cost the same, provided nothing changes over the next three years. The only thing that's fixed is your price, you're free to cancel at any time with no cancellation fees to pay.
Onward taxi travel is available with Saga Plus. If you can’t continue your journey after an accident in the UK due to the damage to your car, Saga will provide a taxi to take you to any necessary UK destinations.
Accident healthcare cover is included with Saga Plus. If you (or your spouse or partner) are injured in a road accident in the UK, Saga will organise eligible private medical treatment for you up to £1 million.
Legal protection is included as standard with Saga Plus and as an add-on with Saga Select and Saga Standard. With it you're covered for up to £100,000 of legal costs to recover uninsured losses following an accident that's not your fault. This is reliant on Saga’s legal team believing you can win your case.
Key protection is included as standard with Saga Plus and available as an add-on with Saga Select and Saga Standard. It covers up to £2,500 per claim, including up to £50 for wear and tear. There's no excess to pay and claiming won't affect your NCD.
Saga's car insurance policies are provided by a panel of insurers who all meet Saga's high standards of quality and service.