Saga car insurance

Learn more about Saga car insurance

Saga insurance logo

Last reviewed 01 June 2022

Why choose Saga car insurance?

  • Three levels of comprehensive cover to choose from
  • A variety of optional extras to choose from
  • Specialist car insurance products

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Who is Saga?

Saga was first launched back in 1951 as a travel company offering affordable UK holidays to retired people and gradually expanded over the years to provide overseas holidays for the over 50s.

The Saga Magazine was born in 1984 and three years later, Saga began offering home and car insurance as well as other financial services. During the 1990s, Saga added private medical and pet insurance along with launching its own cruise ship operation.

Headquartered in Kent, Saga employs over 5,000 people and is listed on the London stock exchange. Saga won the Best Big Insurance Company accolade at Insurance Choice Awards 2021. 

Saga’s offering now includes:

  • Car insurance
  • Home insurance
  • Health insurance
  • Travel insurance

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 PlusSaga Select and Saga Standard. Saga Plus is the premium car insurance product, with more benefits than Saga Select and Saga Standard.

Saga Standard is 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 range of insurance products is designed specifically for its customers and is unique to Saga. Saga car insurance policies are underwritten by several different insurers who all meet Saga's high standards of quality and service. Saga Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) under FCA number 311557. Saga's registered address is Saga Services Limited, Enbrook Park, Sandgate, Folkestone, Kent, CT20 3SE.

Contact Saga

You can contact Saga customers services by phone on 0800 302 9735 or 01843 343245. Alternatively, you can chat with a Saga customer services through the Saga website. Their 24-hour claims line can be reached by phoning 0800 001 5424.

You can also write to them at:

Saga Insurance Services,
Enbrook Park,
CT20 3SE.


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