As you age it is common to see a reduction in your car insurance premiums as you are considered lower risk than younger drivers. There are a number of providers that can offer specialist policies to those over the age of 50 and in this independent review, we look at Saga car insurance. We take a look at what Saga car insurance covers, how much Saga car insurance costs and how it compares to other providers.
We recommend that you read the review in full, however, you can jump to specific sections of the article using the following links.
- What is Saga?
- Saga car insurance key features
- What does Saga car insurance cover?
- How much does Saga car insurance cost?
- What is the excess on Saga car insurance?
- How to make a claim on Saga car insurance
- Saga car insurance customer reviews
- Pros and cons of Saga car insurance
- Alternatives to Saga car insurance
- Summary
What is Saga?
Saga started life in the 1950s as a provider of quality travel experiences to the over 50s. Saga later branched into home and motor insurance and other financial services products such as health insurance and a savings platform and has now become the UK's specialist provider of products and services to people over the age of 50.
Saga used to have a panel of underwriters for its car insurance policies but now the car insurance policies are arranged and administered by Ageas Retail Limited and are underwritten by Ageas Insurance Limited.
Saga car insurance key features
- Cover if you are hit by an uninsured driver
- Cover in the EU (for up to 90 days with Saga Standard)
- 2 year fixed price with Saga Plus (as long as nothing changes during this time)
- Electric car insurance policy
- A number of optional extras including car key protection and No Claims Discount Protection (included with some policies)
- No admin fees if you need to make a change to your policy mid-term
- New for old child car seat cover
- No Claims Discount Protection included for eligible customers with Saga Plus or Saga Select
What does Saga car insurance cover?
There are three different types of car insurance; fully comprehensive, third party, fire & theft and third party but Saga only offers fully comprehensive car insurance policies on its website. This means Saga customers will be covered for damage to their own vehicle as well as any third-party vehicles in the event of an accident. Saga offers three types of comprehensive car insurance policies, Saga Standard, Saga Select and Saga Plus.
The following comparison table compares some of the cover you can expect with the three comprehensive car insurance policies on offer by Saga. There are also additional cover options available with more information detailed in the policy documents. If you would like third party, fire & theft or third party cover with Saga, you can call 0330 094 6166 for more information.
Saga car insurance policy comparison
| Benefits | Saga Standard car insurance | Saga Select car insurance | Saga Plus car insurance |
| Loss or damage to your vehicle | Yes | Yes | Yes |
| Damage to another vehicle | Yes | Yes | Yes |
| Personal accident cover | Yes | Yes | Yes |
| Uninsured driver promise | Yes | Yes | Yes |
| Cover for trips to the EU | Up to 90 days | Up to 180 days | Unlimited |
| Guaranteed replacement car (whilst your car is being repaired) | Yes | Yes | Yes |
| Windscreen and windows cover | Yes | Yes | Yes |
| Protected No Claims Discount (NCD) | Optional | Yes | Yes |
| Vandalism promise | No | Yes | Yes |
| Misfuelling | No | Yes | Yes |
| Key protection | Optional | Optional | Yes |
| Claims promise (Your NCD won't be affected if you have to claim for damage due to theft, storm, flood, fire or animal damage or if your car is hit whilst it's parked) | No | No | Yes |
| 2-year fixed price | No | No | Yes |
Saga car insurance optional benefits
It's possible for you to tailor your Saga car insurance policy to suit your personal circumstances. Below, we share the optional extras that can be added to your Saga car insurance policy.
No Claims Discount Protection
Your no claims bonus is automatically protected if you have a Saga Select or Saga Plus policy as long as you have at least 4 years of No Claims. If you have a Saga Select policy you can choose to purchase No Claims Discount Protection. Your no claims bonus will then be protected as long as you have no more than two no-fault claims in a 3-year period.
Breakdown cover
You can choose to add breakdown cover to your Saga car insurance policy for a discounted price. You can choose between a number of breakdown policies that offer varying levels of cover and the breakdown service is provided by RAC. It is worth comparing the price of standalone breakdown cover elsewhere though to ensure that you are getting the best price. For more information on standalone breakdown cover read our article 'What is breakdown cover and how does it work?
Legal Protection
Legal cover provides up to £100,000 towards the legal costs of recovering losses after a no-fault accident in the UK, as long as the legal team believes that your claim has a good chance of success. If you have a Saga Plus policy you will have legal protection included as standard but legal cover can be purchased as an optional extra with Saga Standard/Select. For more information read our complete guide to legal cover.
Replacement car extension
Having a courtesy car is included as standard with Saga car insurance policies however it only covers you for repairs to your damaged vehicle if you use a Saga-approved repairer after an accident in the UK. If your car is stolen or written off, you will not be covered for a courtesy car. This is when purchasing the replacement car extension can come in handy as you will be offered a replacement car in this instance. Also included is a £200 cash benefit to help with any costs.
Increased personal accident
Saga car insurance policies have up to £5,000 of personal accident cover as standard. This cover can be increased to £150,000 per person by purchasing the increased personal accident add-on. In the following table, we highlight the cover you can expect with the increased personal accident add-on.
| What's covered? | Cover amount |
| Accidental death | £150,000 (£25,000 for a child) |
| Permanent total disablement | £150,000 |
| Loss of limb | £150,000 |
| Loss of sight | £150,000 |
| Loss of, or permanent total and irrecoverable loss of use of one hand or one foot | £50,000 |
| Total and irrecoverable loss of use of the spleen | £7,500 |
| Fractured pelvis | £5,000 |
| Fractured collarbone | £3,500 |
| Facial scarring | £1,500 |
| Third-degree burns | £15,000 |
| Counselling therapy | £1,000 |
Car Key Protection
You can cover your car keys for up to £2,500 per claim with the car key protection optional extra. You can also get £250 for wear and tear to your keys. If you have a Saga Plus policy, this is already included as standard on your policy. If you need to make a claim there is no payable excess and your No Claims Discount will not be affected. For more information on key cover read our article, 'Car insurance key cover – is it worth it?'
How much does Saga car insurance cost?
How much you will pay for your Saga car insurance policy will vary depending on your age, where you live and the type of car you have. However, according to Confused.com*, in the final quarter of 2025, the average price of car insurance for those in the 50-59 year age bracket was £547 per year and for those in the 60-69 year age group was £452 per year.
For more information on car insurance costs and factors that can affect how much you pay for your car insurance can be found in our article, 'How much does car insurance cost?'
Are there any admin fees with Saga car insurance?
Saga does not charge any admin fees if you wish to make a change to your policy during the policy term however your policy cost may increase depending on insurable risk. If you want to cancel your policy there is no cancellation fee for Saga Plus customers however Saga Standard and Select policyholders will be subject to a £50 charge if outside of the 14-day grace period.
What is the Saga car insurance policy excess?
The excess is the amount payable if you wish to make a claim on your policy. How much you will have to pay will vary depending on what you are claiming for. Excess on car insurance policies is usually split into two types; voluntary and compulsory. Voluntary excess is usually chosen by the customer when obtaining a quote and the excess on a Saga policy can be chosen in increments of £50 ranging from £0 - £800, then £895, £900 and £1,000. The compulsory excess amount may vary depending on your individual policy but an example of a compulsory excess amount is £150 which means that if a voluntary excess of £100 is chosen, £250 will be payable if you make a claim. If you need to repair your windscreen and use an approved repairer, there is no excess to pay unless you have a Saga Standard policy and then it is £25. If your windscreen needs replacing the excess is £75 for Saga Select and Saga Plus policy holders and £100 for Saga Standard policy holders.
How to make a claim with Saga car insurance
If your Saga car insurance policy is underwritten by Ageas Insurance Limited then you can either make a claim online or call 0345 002 0027. If your policy started before 15th December 2025 and therefore has a different underwriter then you can make a claim by calling 0800 001 5424. It is important that you contact Saga as soon as possible to notify them of the claim and it will help the claims process if you have your policy number and details of the claim to hand.
Saga car insurance customer reviews
Saga is listed as 'Great' on the consumer website Trustpilot with a rating of 4.0 out of 5 stars with over 42,600 reviews. 74% of reviewers have rated it 5 stars while 8% of reviewers rate it as 1 star. It is worth noting, however, that not all of the reviews are for Saga car insurance directly but for the company as a whole. Those that did review Saga car insurance and rated it 1 star commented on high renewal prices and problems with claims. 5 star reviews noted great customer service, good value for money and a user-friendly website.
Saga car insurance pros and cons
Pros
- Specialist insurance for over 50s
- Option to fix the price for 2 years with Saga Plus
- Cover in the EU included with all policies
- No Claims Discount Protection included with Saga Select and Saga Plus (terms apply)
Cons
- Only offers comprehensive car insurance online so have to call if you would like something less comprehensive
- Cancellation fee may be payable on Saga Standard and Select policies
- No multi-car discount
Alternatives to Saga car insurance
In this section of the review, we compare Saga car insurance to two other car insurance providers. One of the easiest way to compare car insurance policies is via a comparison site such as Confused.com* as you can compare multiple providers at once to find the best deal. However, not all comparison sites are whole of market which can mean you miss out on deals offered by other insurers.
In the following comparison table, we compare Saga car insurance to Admiral and Direct Line.
Saga vs Admiral vs Direct Line
| Saga | Admiral | Direct Line | |
| Policy Types |
|
|
|
| Uninsured driver protection | Yes | Yes | Yes |
| Multi-car insurance discount | No | Yes | Yes |
| Temporary car insurance | No but you may be able to add a vehicle or driver temporarily to your existing policy | Yes | No but you may be able to add a vehicle or driver temporarily to your existing policy |
| Optional breakdown cover | Yes | Yes | Yes |
| Policy amendments admin fee | No | Yes | No |
| Defaqto rating for most comprehensive policy | 5 stars | 5 stars | 5 stars |
| Extras | No Claims Discount Protection included with Saga Plus and Saga Select (terms apply) | MultiCar or MultiCover discount | Fair Claim Commitment (No Claims Discount not affected if you have to claim for pothole damage) |
| More information | Admiral car insurance review | Direct Line car insurance review |
Summary
If you are aged 50 or over it may be worth obtaining a quote from Saga car insurance as its policies include a comprehensive list of features that are not always available with other providers. It's flagship Saga Plus policy has reduced its fixed-price guarantee from 3 years to 2 years, however this still guarantees your insurance premium price will not increase in the second year of your policy as long as your circumstances haven't changed or you haven't made a claim. This is standout feature is something to consider if you want a degree of financial certainty. Another advantage of the Saga Plus and Saga Select policies is if you have 4 or more years no claims discount this will be protected as standard, usually this benefit is an optional extra and comes at a cost with car insurance policies. Saga Insurance has a relatively low Trustpilot score compared to other insurance providers, but is still rated at "Great" and all three of it's comprehensive insurance policies have a 5-star Defaqto rating.
As with all car insurance policies, it is important to shop around to find the best policy that suits your personal circumstances at the best price. Also always ensure you read the policy documents carefully to understand exactly what you are and are not covered for. You may wish to compare providers in our article, 'Best car insurance in the UK'.
If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced this independent and balanced review of the product. The following link can be used if you do not wish to help Money to the Masses or take advantage of any exclusive offers -Confused.com
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