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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 34 other providers.

In this article
What does Saga car insurance cover? Does Saga offer the best car insurance? Saga's Car insurance policy: is it good or bad? How did customers rate Saga's car insurance?
How can you save money on Saga car insurance? What is Saga's car insurance claims number? Get top money-saving tips from Which?

Customers need to be over 50 years old to qualify for car insurance with Saga, but the insurer has no upper age limit.

Saga's policy is underwritten by a panel of Acromas Insurance Company Limited, Liverpool Victoria, AXA, Covéa and Zenith Marque.

What does Saga car insurance cover?

The information below gives an at-glance view of the key areas that Saga's car insurance covers as standard. The information below relates to the Saga Car policy, rather than the Essential policy.

Elements marked with a are covered as standard, those marked with a are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.

 

Courtesy car

 

Provides the policyholder with a car to use while repairs are carried out on their vehicle as part of a claim

 

Personal accident

 

Covers the policyholder and passengers if they are injured in an accident

 

Stolen keys cover

 

Covers the cost of replacing keys and locks in the event that your car keys are stolen

 

Lost keys cover

 

Covers the cost of replacing keys and locks in the event that your car keys are lost

 

Motor legal protection

 

Covers legal expenses for legal action you may take as the result of an accident

 

NCD protection

 

Allows the policyholder to make a specified number of claims over a period without affecting their no claims discount

Does Saga offer the best car insurance?

Here's how Saga scored in our latest car insurance survey:

Car Insurance
Saga review
Overall Which? score
%
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score.
Which? customer score
%
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Policy score
%
Which?'s rating of the quality of this company's car insurance policy. We analysed 73 features of its cover to calculate the policy score.
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To help you find the best car insurance policy, Which? goes the extra mile to sort the best from the worst.

 

How we analyse car insurance

 

We analyse and rate 73 key 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 in the overall product score.

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

We've rated hundreds of policy details and picked out the best and worst elements of this cover.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of the Saga Car insurance policy rated

Weighting Policy element Details Rating
Most important Courtesy car - included? Logged out detail Logged out padlock
Most important Courtesy car - guaranteed availability? Logged out detail Logged out padlock
Secondary Courtesy car period Logged out detail Logged out padlock
Other Courtesy car provided if car is stolen? Logged out detail Logged out padlock
Most important Windscreen damage - limit per claim (Approved Repairer / Non-approved repairer) Logged out detail Logged out padlock
Most important Window damage - limit per claim (Approved Repairer / Non-approved repairer) Logged out detail Logged out padlock
Most important Sunroof damage - limit per claim (Approved Repairer / Non-approved repairer) Logged out detail Logged out padlock
Secondary Personal belongings - limit per claim Logged out detail Logged out padlock
Other Personal belongings - items excluded Logged out detail Logged out padlock
Secondary Medical expenses - limit per claim Logged out detail Logged out padlock
Other Physio treatment included under medical expenses? Logged out detail Logged out padlock
Other Audio equipment - Limit per claim (Manufacturer fitted / Non-manufacturer fitted) Logged out detail Logged out padlock
Other Sat Nav - Limit per claim (Manufacturer fitted / Non-manufacturer fitted) Logged out detail Logged out padlock
Other Child car seat - Limit per claim Logged out detail Logged out padlock
Secondary Misfuelling cover - included? Logged out detail Logged out padlock
Secondary Misfuelling cover - limit per claim Logged out detail Logged out padlock

Table last updated in March 2020. Next update in January 2021.

To see how Saga's car insurance compares to other policies check out our guide on the best and worst car insurance.

How did customers rate Saga's car insurance?

As well as looking at how Saga's car insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.

Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.

How Saga's car insurance scored for seven elements of customer satisfaction.

Customer satisfaction element Which? customer rating
Application process Logged out padlock
Clarity of policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Treatment of longstanding customers Logged out padlock
Dealing with complaints Logged out padlock
Value for money Logged out padlock

Table last updated in March 2020. Next update in January 2021

"-' represents where we have insufficient sample size (less than 30) to generate a star rating

How can you save money on Saga car insurance?

Saga's Car policy is not available on price comparison websites, but you can purchase its Essential policy, which scored 70% in our analysis, on the following price comparison websites:

  • Compare the Market
  • Confused.com
  • Go Compare
  • Money Supermarket

 

Renewal or fixed-premium guarantee

 

3-year fixed price, as long as nothing changes for the next two renewals

 

Multi car discount

 

Not offered

 

Dash cam discount

 

Not offered

 

✘ Rewards scheme

 

Not offered

 

Membership discount

 

Not offered

 

Joint car and home insurance discount

 

Not offered

Above information correct as of December 2019

What is Saga's car insurance claims number?

If you need to make a claim with Saga car insurance call 0800 001 5424.

For glass-related claims call 0800 092 3304.

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