Saga car insurance review – Over 50s car insurance

4 min Read Published: 10 Aug 2022

Who is Saga?

Saga car insurance reviewSaga 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 three main types of car insurance policy:

Saga Standard comprehensive insurance

The Saga Standard policy offers the following extra benefits included in the premium:

  • Uninsured driver promise
  • Cover for trips in the EU

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 driving in the EU

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 Standard vs Saga Select vs Saga Plus policy comparison

Benefits Saga Standard car insurance Saga Select car insurance  Saga Plus car insurance
Uninsured driver promise tick tick tick
Cover for trips to the EU tick Unlimited Unlimited
Protected No Claims Discount (NCD) Optional cross tick
Vandalism promise cross tick tick
Misfuelling cross tick tick
Key protection Optional Optional tick
Claims promise cross cross tick
3-year fixed price cross cross tick

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 Discount (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 chance 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 in the UK 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.

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 valid claim then you will not lose your NCD.

Child seat cover

Following an accident your child's car seat will be replaced with a brand new one even if there is no apparent damage.

How does Saga car insurance compare with other insurers?

Saga LV= Aviva RAC
Guaranteed hire car Yes £19.90 for small hatchback, £29.90 for similar car to own Optional extra Yes
Transport after accident Included with Saga Plus cover No Yes Included with RAC Plus cover
No Claims Discount protection Yes Yes Yes Yes
Breakdown cover  Optional extra  Optional extra Optional extra  Optional extra
Motor legal protection (£100,000) Included with Saga Plus cover  Optional extra Optional extra £15 per year
Multi-car discount Yes Yes Yes Yes
Black box available No No Yes Yes
Admin fee for policy amendments No £15 No No
Available on comparison sites Standard policies Yes No Yes


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 for 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 78% 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.


If you are aged 50 or over it may be worth 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.

Further reading

LV= car insurance review

Aviva car insurance review

RAC car insurance review