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Saga car insurance review

Read Which?'s expert review of Saga's car insurance. Find out how we rate Saga's car insurance policy against 30 other providers.

In this article
Saga car insurance overview Saga's car insurance policy: is it good or bad?

Saga car insurance overview

Customers need to be over 50 years old to qualify for car insurance with Saga, but the insurer has no upper age limit. Saga earns a commendable 78% policy score, though its Customer Score is middling (66%).

Saga's policy is underwritten by a panel of insurers.

What you need to know about Saga's car insurance policy:

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

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Saga

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Saga's car insurance policy: is it good or bad?

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.

Table last updated in January 2018. Next updated in July 2018.

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