Saga car insurance review

Car insurance

Saga car insurance review

By Simon Miller

Article 15 of 17

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Find out all you need to know about Saga car insurance and how its car insurance policies are rated in terms of cover.

Saga car insurance

Need to know:

  • Charges an APR of 26.7% on monthly payments
  • Personal belongings limit of £1,000
  • 365 days overseas cover

Saga

logged-out which customer score 2

Table last updated in June 2016. Next updated in December 2016.

Saga car insurance policy scores

We analyse and rate the 53 most important elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly when calculating our total policy score. Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact on the overall product score.

Most important policy elements
Policy element Details Rating
Interest charged on payment by instalments (APR) Subscriber only content Subscriber only content
No fault no claims discount (NCD) benefit? Subscriber only content Subscriber only content
Uninsured driver NCD benefit? Subscriber only content Subscriber only content
Renewal fee Subscriber only content Subscriber only content
NCD protection claims (number per year) Subscriber only content Subscriber only content
Theft of keys limit Subscriber only content Subscriber only content
Fire excess (standard compulsory) Subscriber only content Subscriber only content
Theft excess (standard compulsory) Subscriber only content Subscriber only content
Accidental damage excess (standard compulsory) Subscriber only content Subscriber only content
Secondary policy elements
Policy element Details Rating
Personal belongings limit Subscriber only content Subscriber only content
Medical expenses limit Subscriber only content Subscriber only content
Liability limit for property damage (including legal expenses) Subscriber only content Subscriber only content
Keys in car exclusion Subscriber only content Subscriber only content
Adjustment fee Subscriber only content Subscriber only content
Duplicate documents fee Subscriber only content Subscriber only content
Cancellation fee within cooling off period Subscriber only content Subscriber only content
Cancellation fee after cooling off period Subscriber only content Subscriber only content
Windscreen limit Subscriber only content Subscriber only content
Windows limit Subscriber only content Subscriber only content
Sunroof limit Subscriber only content Subscriber only content
Loss of keys limit Subscriber only content Subscriber only content
Uninsured driver excess benefit Subscriber only content Subscriber only content
Courtesy car Subscriber only content Subscriber only content
Courtesy car - guaranteed availability Subscriber only content Subscriber only content
Courtesy car limit Subscriber only content Subscriber only content
Windscreen replacement excess (standard compulsory) Subscriber only content Subscriber only content
Driver under 21 excess (standard compulsory) Subscriber only content Subscriber only content
Driver 21-24 excess (standard compulsory) Subscriber only content Subscriber only content
Other policy elements
Policy element Details Rating
Notice if insurer cancels Subscriber only content Subscriber only content
Audio limit - manufacturer Subscriber only content Subscriber only content
Sat Nav limit - manufacturer Subscriber only content Subscriber only content
Child car seat cover Subscriber only content Subscriber only content
New car replacement - damage Subscriber only content Subscriber only content
New car replacement - period Subscriber only content Subscriber only content
Total loss courtesy car Subscriber only content Subscriber only content
Total loss courtesy car period Subscriber only content Subscriber only content
Windscreen repair excess (standard compulsory) Subscriber only content Subscriber only content
24 hour emergency helpline Subscriber only content Subscriber only content
24 hour windscreen helpline Subscriber only content Subscriber only content
24 hour legal advice helpline Subscriber only content Subscriber only content
Credit card fee Subscriber only content Subscriber only content
Misfuelling cover Subscriber only content Subscriber only content
Driving other cars extension Subscriber only content Subscriber only content
Driving other cars - emergency cover only? Subscriber only content Subscriber only content
Driving other cars - only covers main policyholder? Subscriber only content Subscriber only content
Driving other cars - cover in Europe? Subscriber only content Subscriber only content
Windscreen damage - claim affect NCD? Subscriber only content Subscriber only content
Windows damage - claim affect NCD? Subscriber only content Subscriber only content
Sunroof damage - claim affect NCD? Subscriber only content Subscriber only content
Driving abroad - courtesy car cover? Subscriber only content Subscriber only content
Driving abroad - Days per trip comprehensive cover available Subscriber only content Subscriber only content
Driving abroad - Days per year comprehensive cover available Subscriber only content Subscriber only content
Contact Number Subscriber only content Subscriber only content