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Saga car insurance

See how Saga car insurance compares today

See how Saga car insurance compares today

Why get car insurance from Saga?

Saga is dedicated to providing insurance to people over 50. Its car insurance has been specially developed to offer reassuring and feature-rich cover with a choice of three comprehensive cover levels.

Saga car insurance is highly rated by experts. Its comprehensive cover has received a Defaqto 5-star rating every year since 2013 and has five stars from Moneyfacts for 2024.

Saga also offers cover for home, travel, motorhomes, pet and private health insurance.

How to contact Saga

Saga’s contact page will direct you to the right area of the website/phone number and webchat where you can get help.

What types of car insurance does Saga offer?

Saga offers three levels of comprehensive car insurance: Saga Standard, Saga Select and Saga Plus. They all include an uninsured driver promise and cover for driving in most European countries. You get 90 days’ cover to drive in Europe with Saga Standard, and there’s no limit on the number of days with Saga Select and Saga Plus.

A Saga Standard policy provides all-round cover that gives you the essentials and more, such as an uninsured driver promise.

A Saga Select policy also protects your no-claims discount (NCD) if you have more than four years without a claim.

A Saga Plus policy comes with a range of additional benefits included as standard, such as:

  • 3-year fixed-price cover – your premium stays the same, if nothing changes, for the next two renewals.
  • Onward taxi travel – if your car is too damaged to drive after an accident in the UK.
  • Legal protection – includes cover to reclaim up to £100,000 of uninsured losses if an independent legal representative thinks you can win the case.

There’s a range of optional extras you can add to your policy:

  • Key protection to help with replacing lost, stolen or broken keys (included with Saga Plus).
  • Breakdown assistance to keep you on the road in the UK and Europe.
  • Legal protection (included with Saga Plus).
  • Replacement car extension to get a courtesy car if yours is stolen or written off.
  • Increased personal accident cover of £150,000 for serious injuries or accidental death.

Saga comprehensive car insurance policies include:

Uninsured driver promise

You won’t lose your no-claims discount and your excess will be reimbursed if you’re hit by an uninsured driver and you supply us with their vehicle details.


Guaranteed replacement car

A guaranteed courtesy car if yours is being repaired after an accident in the UK by a Saga-approved repairer.

European driving cover

The same level of cover for driving in most European countries as you have in the UK for up to 90 days with Saga Standard and unlimited days with Saga Select and Saga Plus.

No admin fee

If you need to make changes to your policy.

Electric vehicle

Emergency boost from the RAC if your electric car runs out of charge while you’re driving in the UK.

New for old child car seat cover

Brand-new replacements for child car seats after an accident.

Why compare Saga car insurance with Compare the Market?

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Rated excellent

By 34,147 people on Trustpilot[2]

[1] Correct as of December 2023.

[2] As of January 2024, Compare the Market had an average rating of 4.8 out of 5 from 38,330 people who left a review on Trustpilot. The score 4.8 corresponds to the Star Label ‘Excellent’.

What Defaqto star ratings do Saga comprehensive car insurance policies get?

Saga car insurance is backed by a 5-star rating from Defaqto.

How well is Saga insurance reviewed on Trustpilot?

As of February 2024, Saga enjoys an overall rating of 4.2 on Trustpilot.

See Saga’s current Trustpilot rating

Frequently asked questions

Can I cancel a policy with Saga?

You can cancel your Saga car insurance by phone at any time. If you cancel within the first 14 days, you’ll get a full refund. If you cancel after that, you’ll get a refund based on the cover you’ve already had. Saga will charge a fee for cancelling your policy unless you have a Saga Plus policy.

Who underwrites policies from Saga?

Saga’s car insurance policies are underwritten by several different insurance providers. The name of the underwriter will be shown on your policy documents.

Is it possible to add other drivers to a Saga insurance policy?

Yes, you can add a named driver to your Saga car insurance providing they have a valid driving licence and meet the provider’s acceptance criteria. You can do this online through your MySaga account or by phone.

Does Saga offer black box insurance?

Saga doesn’t offer telematics insurance.

Does Saga offer temporary cover?

You can add a temporary driver to your Saga policy for up to 28 days per policy year, provided they meet the provider’s acceptance criteria. You’ll need to do this by phone.

Does Saga offer pay-as-you-go insurance?

Saga doesn’t provide pay-as-you-go car insurance.

Does Saga provide van insurance?

Saga doesn’t provide van insurance.