SAGA Car Insurance Review

Alexandre Desoutter Alexandre Desoutter  updated on September 18, 2020

This is the ultimate review to guide you through SAGA car insurance.

So if you want to get cover details, better value for money for your car insurance and tips to lower your insurance premium, then you might love the following article.

Let’s dive right in!

Is SAGA a good car insurance company?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail SAGA car policy terms and conditions and given our own ratings based on different criteria.

4,6 Safe overall rating for SAGA

Our ratingOur opinion
Customer service & satisfaction

Excellent customer service reviews from TrustPilot
Rated 5 stars by Defaqto
Over 50s insurance specialist

Cover provided

365 days overseas cover
NCD protection as standard
Total misfuelling cover
£2,000 personal belongings cover

Value for money

3 years fixed premiums
Charges an APR of 26,7% on monthly payments

Financial strength for pay out

A relatively old company so there is a high level of financial capability when it comes to handling claims


Website is customer friendly and very easy to navigate
No presence of live bot

Safe rating for SAGA

Expert and customer reviews on SAGA

We compiled expert and customer reviews from independent institutions, to give you an overall idea of SAGA’s reputation.

Review organisationConsumer satisfaction rates for SAGA
Defaqto expert rating for SAGA defaqto 5 stars
TrustPilot4,2/5 based on 6,815 opinions,
Consumer satisfaction rates on reviews for SAGA

To check if SAGA is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Our opinion on SAGA car insurance policy

Saga is one of the 4 Which? top recommended car insurers in 2020. The company, specialist in providing car insurance for over 50s, offers one of the most comprehensive car insurance for this age range in the UK. The company guarantees additionaly a 3 year fixed premium. Reviews from customers on Trustpilot are excellent.

Among the main benefits of the comprehensive offer you will get:

  • Legal protection, courtesy car and NCB protection included as standard
  • Uninsured driver cover
  • Comprehensive cover when driving in the EU with no limit on the number or duration of trips
  • Vandalism cover – your No Claim Discount will not be affected following a claim for damage caused by vandals
  • New for old cover on cars less than two years old where you are the first registered keeper (mileage restriction applies)
  • Emergency ‘any driver’ cover.

Additionnaly to a third-party fire and theft and third-party only level of cover, Saga also offers a lower comprehensive level of policy: Essential (also rated 5 stars by Defaqto) which doesn’t include a 3 years fixed premium, onward travel cost cover or accident healthcare cover. The motor legal protection is also not included as standard and comes as optional extra.
The downside of Saga is that you will have to pay a renewal fee of £25. The policy is underwritten by Acromas Insurance Company Limited, AXA, LV, Covéa, Zenith.

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What does SAGA car insurance policy cover?

SAGA offers 4 levels of car insurance:

  • Third Party Only
  • Third Party Fire & Theft
  • Comprehensive Essential
  • Comprehensive.

CoverComprehensive SAGA Car and MotorhomeComprehensive SAGA EssentialThird-party fire and theftThird Party Only
Protected No Claim Discount (NCD)2 claims in 3 years
For 4 more years NCD
2 claims in 3 years
For 4 more years NCD
2 claims in 3 years
For 4 more years NCD
2 claims in 3 years
For 4 more years NCD
Emergency any driver coveryesyesyesyes
Cover for trips abroad (EU)UnlimitedUnlimitedUnlimitedUnlimited
Unlimited audio/visual cover for fitted equipmentFire, theft, accidental damageFire, theft, accidental damageFire, theftFire, theft
Uninsured driver coveryesyesnono
Guaranteed replacement caryesyesnono
Windscreen and windows coveryesyesnono
Personal accident cover£5,000£5,000nono
Emergency accommodation/get you home cover£500£500nono
Personal belongings cover£1,000 for items carried in vehicle
£1,500 for motorhomes
£1,000 for items carried in vehicle
£1,500 for motorhomes
Two year new for old cover (up to 12K miles)yesyesnono
Vandalism coveryesyesnono
Child car seat covermarket valuemarket valuenono
Medical expenses cover£300 for passengers only£300nono
Accident Healthcare coveryesnonono
Legal Protection£100,000OptionalOptionalOptional
Onward taxi travelyesnonono
SAGA car insurance policies

What does SAGA Comprehensive car insurance cover in details?

Breakdown cover

Saga Breakdown Assistance cover can be added from £29.99 to your policy at a discounted rate. There are different options to pick from for the breakdown cover and they are:

  • Essential: roadside repair and alternative source of transportation for up to 20 miles
  • Home Call: home repair is provided
  • National Recovery: roadside repair is provided in the case that you get stranded en-route
  • Comprehensive: this includes home repair, roadside repair and in provision of an alternate source of transportation in the event that the vehicle cannot be fixed at that time
  • Premier: this includes all the offers mentioned earlier and also cover in up to 55 countries and territories in Europe, Plus, if your car breaks down within 24 hours of your planned departure date in the UK, a hire car would be provided for 14 days.

Courtesy car

Saga’s comprehensive cover policy include a replacement car as standard if a Saga approved repairer is repairing your car following an accident that happened in the UK.

Personal accident

Saga offers personal cover up between £5,000 to £50,000, and this covers a wider range of injuries. It is also inclusive of a £200 per night fee if the victim is hospitalised for up to 10 days.

Windscreen cover

Windscreen cover is included as standard in the comprehensive level of cover.
Claim on windscreen, window or sunroof doesn’t affect NCB.

Motor legal protection

Saga will cover up to £100,000 of legal costs to recover uninsured losses after a non-fault accident if there is a high probability that you would win the case.
The motor legal protection is an optional extra available from £27,99.

Other guarantees offered at SAGA

  • Courtesy car:
  • Courtesy car limit: time needed to repair
  • Total loss courtesy car period: 7 days (as optional extra)
  • Windscreen/window damage: market price if approved repairer or £100
  • Sunroof damage: market price if approved repairer or £100
  • Personal belongings: £1,000 – £2,000
  • Medical expenses: £300 (physiotherapy treatment included)
  • Audio equipment: market price
  • Sat Nav: market price
  • Child car seat: market price
  • Misfuelling cover: engine damage only and fuel drainage as standard
  • Repairs guarantee: 5 years
  • Coverage abroad: 365 days (as standard)
  • Personal accident cover (hospitalisation): £2,000 (extra)
  • Liability limit for property damage (including legal expenses): £20M
  • Onward travel cost if accident: Unlimited
  • Accomodation cost: £500
  • Driving other cars extension: third-party only, no emergency cover
  • Claim-free years for maximum NCB: varies depending on the underwriter
  • Can other drivers get NCB?: No
  • NCB protection: Included, 2 claims/3y
  • New car benefit: 60%, up to 24 months

Excess and fees at SAGA


  • Fire & theft excess: £100
  • Accidental damage excess: £150
  • Non-approved repairer excess: £0
  • Windscreen replacement excess: £75
  • Windscreen repair excess: £0
  • Young driver excess: £500
  • Excess protection: no


  • Interest on monthly payment: 26,70%
  • Cancellation fees during cooling off period: £5
  • Cancellation fee outside cooling off period: £50
  • Renewal fee: £25
  • Adjustment fee: £25
  • Payment default fee: £0
  • Underwritter: Acromas Insurance Company Limited, AXA, LV, Covéa, Zenith.

  • Customer rating: 4,6/5

SAGA car insurance terms and conditions

How much does SAGA car insurance cost?

You’ll find below indicative car insurance quotes at SAGA:

Drivers’ageMonthly premium
18 years old£106,16
40 years old £43,78
60 years old£32,28
Quotes above are for a comprehensive car insurance – eco car, clean record driver, Liverpool

Costs of SAGA insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver’s record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

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Is there any promo codes or discounts available at SAGA?

At SAGA, discount vouchers are provided and services such as legal protection, medical help in the case of an accident can be added to an insurance policy via these vouchers.

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

What are the other car insurance policy types available at SAGA?

SAGA classic car insurance

Saga does not have a standard classic car insurance cover but it is possible to insure an imported vehicle as long as the car meets their specific criteria:

  • The vehicle must be imported from Europe
  • It must have been built to a UK or EU specification and have been modified for use in left-hand drive traffic
  • The vehicle must appear on the ABI vehicle listing.

SAGA short term cover

With Saga, you can add a temporary driver or vehicle to your policy for up to a total of 28 days. The additional vehicle must be legally owned. Additional drivers can also be added on a permanent basis if this is more suitable.

How to contact SAGA car insurance?

SAGA phone numbers 

You will find all important phone numbers to contact SAGA auto insurance:

Contact numberOpening hours


0330 094 6611

8:30 am – 8:00 pm
9:00am – 5:00 pm
Bank Holidays
8:30 am – 8:00 pm.


0330 094 6073

8:30 am – 8:00 pm
Saturday 8:30 am – 5:00 pm
Sunday 9:00am – 5:00 pm
Bank Holidays
8:30 am – 8:00 pm.

Existing Customers

0330 094 6003

8:30 am – 8:00 pm
Saturday 8:30 am – 5:00 pm
Sunday 9:00am – 5:00 pm
Bank Holidays
8:30 am – 8:00 pm


0800 001 5424

Weekdays and Weekends
24 hours a day


0800 056 9167

Not stated

Contact numbers at SAGA

SAGA other contact details

You’ll find below SAGA main contact details:

Contact details of SAGA
Email address

[email protected]

Customer account with SAGA login

My Account

Social mediaTwitter, Facebook, Instagram, YouTube, Pinterest
Contact details at SAGA

You can also contact them by mail by writing to SAGA car insurance:

Enbrook Park
CT20 3SE
United Kingdom

How to claim on your SAGA car insurance?

You can make a claim on your Saga car insurance policy by calling the number 0800 001 5424.

To claim on your car insurance, always prepare upfront:

  • your policy number
  • evidences of claim.

If your claim is related to crime (theft, fire etc.), you must go to the police before calling your insurer.

How to cancel your car insurance at SAGA?

Since car insurance is a legal requirement, SAGA will renew your policy automatically at the end of the policy period without any notification from your side. However, SAGA has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days – the cooling off period – to cancel your policy at reduced cancellation fees.

You can cancel your car insurance policy at any time but cancellation fees may apply especially if you cancel outside the cooling-off period.

You can cancel your Saga insurance policy by calling the number 0800 056 9167.

You would need to have various documents ready such as:

  • your policy number (right hand corner of your documents);
  • your bank details; and
  • your payment method in case there are cancellation fees.

SAGA could also refuse to cover your car any longer if you don’t pay for your premiums within the time allocated, if they find out that you omitted important information that was required by the company such as your driving experience or if you have committed a fraud of any kind (this act is known as ‘fronting’). 
SAGA will send you a cancellation notice (usually 7 days).

>> Download our free and online car insurance cancellation letter template.