With a range of optional extras and features tailored to older drivers, Saga Select comprehensive cover is a solid option for customers aged over 50. It’s an especially strong offer for those wishing to travel to Europe with their car several times a year, as cover within Europe is unlimited.
As always, it’s crucial to shop around and compare other car insurance policies on offer before you make a decision.
Pros
Unlimited European use cover
Protection against uninsured drivers
Cons
You have to be at least 50 years old to be eligible for cover
★★★★★
Finder score
Saga specialises in cover for people over the age of 50 and there are 3 levels of comprehensive car cover, all of which include a courtesy car. Here’s what else you need to know.
Saga originally focused on travel for people aged over 50 and then branched out to offer travel, home and motor insurance, and other financial services, for over-50s in the 1980s.
Who underwrites Saga’s car insurance?
Although Saga is an insurance provider, Saga car insurance policies are underwritten by a panel of insurers such as AXA, Covea, Liverpool Victoria, Sabre, Zenith, as well as its own in-house underwriter Acromas.
Saga Services Ltd is authorised and regulated by the Financial Conduct Authority.
What’s covered under my policy?
Saga offers 3 levels of comprehensive car insurance. All include a courtesy car if your car is being repaired after an accident. If you’re responsible for causing an accident, you’ll be covered for damage to third party vehicles or property, as well as your own car.
Have a look at the table below to see what the cover options from Saga offer.
Product Name
Saga Standard
Saga Select comprehensive
Saga Plus comprehensive
Damage to your car
✓
✓
✓
Damaged windscreen and window glass
✓
✓
✓
Fire and theft
✓
✓
✓
Personal accident cover
✓
✓
✓
Medical expenses
✓
✓
✓
Personal belongings
✓
✓
✓
Liabilities to third parties
✓
✓
✓
Using the car abroad
✓
✓
✓
Alternative travel costs
✓
No-claims discount protection
Optional
✓
✓
Permanently fitted audio equipment
✓
✓
✓
Check your policy details carefully to ensure you have the right cover for your needs.
Optional extras
Saga offers a range of additional protection to bolt onto your policy, where it’s not included:
Saga offers 3 comprehensive policies, all with varying levels of cover. You can take out multi-car or electric car cover under one of these policies. Saga also offers third party and third party, fire and theft cover, but you won’t be able to get a quote for these online.
With the most basic level, Saga Standard, you’re covered at the same level as in the UK for up to 90 days of driving in the EU per year. This level doesn’t include protection for your no-claims discount (NCD), though you can add it.
Saga Select sits between Standard and Plus in what it offers. It comes with protection for you NCD and you won’t lose your NCD if you make a valid claim because of vandalism to your car. It also includes misfuelling cover, so you have peace of mind if you make a mistake at the petrol station. EU driving cover is unlimited.
With Saga Plus insurance, your price stays the same for 3 years, if nothing changes (T&Cs apply). And although the price is set for 3 years, you’re not tied in – it’s still your choice if you want to stay with Saga at every renewal. And you can leave mid-policy with no cancellation fee to pay. It also includes key protection, legal expenses insurance and unlimited EU driving cover, among other benefits.
How do I make a claim?
You should call the Saga claims line on 0800 001 5424 to make a claim. This is a UK-based 24-hour claims line open 7 days a week.
You will need to provide the following information:
Details about the incident
Names and contact details of everyone involved in the incident such as third parties, passengers and witnesses
Details about the damage or injuries sustained
Photographic evidence, if available
It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
What is my excess?
Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your car and your driving experience.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which may lower your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
Saga car insurance customer reviews
Customers who took part in Finder’s 2024 customer satisfaction survey were fairly positive about the brand, with many highlighting its “fast and helpful” customer service and fair prices.
One customer said: “Saga was easy to deal with when I had to make a claim.”
Of the Saga customers in our survey, 76% said they’d recommend the brand to a friend.
On customer reviews platform Trustpilot, Saga as a company has 4.1 out of 5 stars and a rating of “Great”, based on more than 38,000 reviews. Customers praised the simple application process, efficient service and easy renewal, but some reported unexpected price hikes and a few reported communication problems (updated April 2024).
What proportion of Saga car insurance customers would recommend it to friends/family?
Response
Saga customers
Average for all brands in our survey
This year
76.06%
80.55%
Last year
72.88%
78.53%
Source: Finder survey by OnePoll of 750 Brits
How to cancel Saga car insurance
You need to call Saga on 0800 056 9167 to cancel your car insurance.
You will receive a full refund from Saga within the first 14 days of your premium paid in the circumstance that your cover has not yet begun, or the unused part if your cover has already begun. If it is after 14 days then there is a £50 fee.
Frequently asked questions
A quote from Saga is only guaranteed on the day it is provided.
Yes. If you wish, cover can start instantly.
Yes, Saga offers policies that can be paid in full or by monthly direct debit payments.
Yes but only for existing policyholders for cover on a second car for up to 28 days.
Saga car insurance policies are underwritten by a panel of insurers such as AXA, Covea, Liverpool Victoria, Sabre, Zenith, as well as its own in-house underwriter Acromas.
Saga was founded in 1951 by Sidney de Haan in Kent.
Finder’s insurance experts assessed the cover offered by Saga and gave its standard comprehensive policy 4 stars out of a maximum 5. Our customer satisfaction surveys have also shown the brand is generally popular with those who know best – the customers – with a 76% rating for 2024.
You can check your expiry date with the MySaga online portal or by calling 0800 092 9104.
Car insurance scores
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54
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Written by
Liz Edwards
Liz Edwards has been a consumer writer and editor for more than 20 years. She led award-winning teams at the campaigning publisher Which?, and has covered a range of consumer rights and personal finance topics including pensions, credit, banking and insurance. Liz has appeared frequently in national media such as The Sun, Metro, HuffPost and The Independent. She loves to cut through waffle to give consumers the real lowdown. And she loves puns. See full profile
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