Who is Saga?
Saga started life in the 1950s as a provider of quality travel experiences to the over 50s. Saga branched into motor insurance and other financial services products in the 1980s and has now become the UK's specialist provider of products and services to people over the age of 50.
Saga car insurance policies
Saga car insurance is only available to individuals aged 50 or over and offers two main types of car insurance policy:
Saga Plus comprehensive insurance
The Saga Plus policy offers the following extra benefits included in the premium:
- 3-year fixed price
- Onward taxi travel
- Receive eligible private medical treatment
- Legal protection
Saga Select comprehensive insurance
The Saga Select policy offers the following extra benefits included in the premium:
- Emergency 'any driver' cover meaning any driver can take over the driving if a medical emergency interrupts your journey
- Unlimited European driving
Saga car insurance benefits explained
3-year fixed price guarantee
If there are no changes over the next 3 years then the cost of your policy will not change.
Your premium may change if one of the following occurs in the 3 year period:
- You make a claim
- You get a driving conviction
- Insurance Premium Tax increases
- You make any other changes to your insurance, such as changing your car.
Protected No Claims Bonus (NCD)
If you have four years or more NCD then this will be protected if you have two or fewer no-fault claims in a three-year period.
Legal Protection
Up to £100,000 towards the legal costs of recovering losses after a no-fault accident in the UK if it is decided by the legal team that your claim has a good chase of success.
Accident Healthcare cover
If you or your spouse/partner are injured in a road traffic accident you will be provided with eligible private medical treatment.
Personal accident cover
Up to £5,000 for certain injuries sustained in an accident involving your vehicle.
Guaranteed replacement hire car
If you are involved in an accident and your car has to be repaired you will be provided with a replacement car until your car is repaired provided you use one of the Saga approved repairers.
Windscreen and window cover
Damage to the windscreen and windows is covered and you will not lose your NCD if you have to claim. There is no excess to pay if an approved repairer can repair the glass but if a replacement is needed then the standard windscreen excess will be charged.
Personal belongings cover
Up to £1,000 (£1,500 for motorhomes) for items carried in your car such as clothing, phones and other personal items.
Unlimited audio/visual cover
Permanently fitted equipment is covered against fire and theft.
Emergency any driver cover
In the case of a medical emergency during a journey, any driver can take over to drive your vehicle back home.
Onward taxi travel
If you have an accident in the UK and you cannot use your vehicle then you will be provided onward travel by taxi to any destination in the UK
Emergency accommodation/get you home cover
Up to £500 per incident for accommodation or travel expenses.
EU cover
If you drive in the EU you will be provided with the same level of cover as you have in the UK for an unlimited period.
Two year new for old cover
If your car is written off and you have owned it from new and then it will be replaced with a new model if it is a year or less old or done 12,000 miles or less.
Uninsured driver cover
If you have an accident involving an uninsured driver you will not lose your NCD and there will be no excess to pay providing you can supply the vehicle details.
Vandalism cover
If your car is damaged by vandals and you make a claim then you will not lose your NCD.
Child seat cover
Following an accident your child car seat will be replaced with a brand new one even if there is no apparent damage.
Saga Select vs Saga Plus policy comparison
| Benefits | Saga Select car insurance | Saga Plus car insurance |
| 3 year fixed price |  |
 |
| Onward taxi travel | |
|
| Accident healthcare cover | |
|
| Protected no claim discount | |
|
| Uninsured driver cover | |
|
| Legal protection | Optional | |
How do Saga extra benefits compare with other insurers?
| Saga | LV= | Aviva | RAC | |
| Guaranteed hire car | Yes | £9.90 for small hatchback, £29.90 for similar car to own | Yes | Yes |
| Transport after accident | Included with Saga Plus cover | No | Yes | Comprehensive Plus only |
| No Claims Discount protection | Yes | Yes | Yes | Yes |
| Breakdown cover | Discounted price | From £26 p.a. | Individual cost calculation | From £19.99 p.a. |
| Motor legal protection (£100,000) | Included with Saga Plus cover | £25.99 p.a. | £29 p.a. | Free first 12 months then £15 p.a. |
| Multi-car discount | Yes | Yes | Yes | Yes |
| Black box available | No | No | No | Yes |
| Admin fee for policy amendments | No | £15 | No | No |
| Available on comparison sites | No | Yes | No | No |
How to make a claim with Saga car insurance
To make a claim with Saga car insurance call the claims assistance on 0800 001 5424 and try to obtain the following information:
- Your policy number and documents.
- Your vehicle registration number.
- Details of what happened and when.
- Details of any other vehicles, people or property involved.
- Contact details for any witnesses.
- Crime reference number, if applicable.
If you are making a claim just for a damaged windscreen or glass then call 0800 092 3304.
What happens next?
Saga car insurance has the following 5 step process to dealing with claims:
- Report the incident by phone
- If required your vehicle will be booked into a Saga approved repairer as soon as possible
- You will be provided with a replacement car to keep you on the road while your car is being repaired
- Your car will be repaired with guaranteed parts and the work is guaranteed for 5 years
- Once you are back on the road the Saga claims experts with deal with any outstanding parts of your claim
Saga car insurance customer reviews
Saga car insurance scores well with the consumer website Which? with an overall rating of 74% placing them 3rd out of 16 car insurance providers. Trustpilot rated Saga car insurance as 'Excellent', achieving 4.6 out of 5.0 stars with customers citing competitive prices and ease of application as some of the positive features.
Summary
If you are aged 50 or over I would recommend obtaining a quote from Saga car insurance as their policies include a comprehensive list of features that are not always available with other providers. I particularly like the 3 year fixed price option that is available with the Saga Plus comprehensive policy. Excellent customer reviews also provide confidence if you are new to Saga car insurance.
