Saga car insurance review

In this article

What does Saga Plus 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?

Customers need to be over the age of 50 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.

Saga also offers home insurance and other products including savings accounts and travel insurance.

What does Saga Plus car insurance cover?

The information below gives an at-a-glance view of the key areas that Saga Plus car insurance covers as standard.

Elements marked with a ✓ are covered as standard, those marked with a ✘ aren't covered as standard. Elements marked with a £ can be added to a policy 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're 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

✓ No claims discount protection

Allows you to make a specified number of claims over a period without affecting your 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 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 who recently made a claim. 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? for full access to these results and all our reviews.

In detail: every part of the Saga Plus car insurance policy rated

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

Weighting	Policy element	Details	Rating
Most important	Fire excess (standard compulsory)
Most important	Theft excess (standard compulsory)
Most important	Accidental damage excess (standard compulsory)
Secondary	Non-approved repairer excess (standard compulsory)
Secondary	Windscreen repair excess (standard compulsory)
Secondary	Windscreen replacement excess (standard compulsory)
Secondary	Driver under 21 excess (standard compulsory)
Secondary	Driver 21-24 excess (standard compulsory)

Weighting	Policy element	Details	Rating
Most important	Number of claim-free years required to attain maximum NCD
Most important	NCD affected - Non-Fault accident
Most important	NCD affected - 3rd party uninsured
Secondary	NCD affected - Vandalism
Secondary	NCD affected - Hit while parked
Secondary	Can other drivers earn NCD on this policy?
Most important	NCD protection included?
Most important	NCD protection claims (number per year)

Weighting	Policy element	Details	Rating
Most important	Motor legal protection - included?
Secondary	Motor legal protection - limit per claim?
Secondary	Motor legal protection - covered if driver uninsured?
Other	Motor legal protection - covered if vehicle cloned?
Other	Motor legal protection - recovery of clamping and towing fees covered?
Most important	Personal accident cover - included?
Secondary	Personal accident cover - limit per claim in the event of death
Secondary	Personal accident cover - limit per claim in the event of disability
Other	Personal accident cover - maximum eligible age
Most important	Theft of keys - Included?
Secondary	Theft of keys - limit per claim
Most important	Loss of keys - Included?
Secondary	Loss of keys - limit per claim
Secondary	Total loss courtesy car - included?
Secondary	Total loss courtesy car period

Weighting	Policy element	Details	Rating
Most important	Repairs Guarantee Period
Secondary	Keys in car exclusion
Most important	Liability limit for property damage (including legal expenses)
Other	Onward travel costs in the event of an accident - limit per claim
Other	Accommodation costs in the event of an accident - limit per claim
Secondary	Driving other cars extension - level of cover
Other	Driving other cars extension guaranteed?
Other	Driving other cars - emergency cover only?
Other	Driving other cars - covered in Europe?
Secondary	Comprehensive cover to drive overseas - included?
Secondary	Driving abroad - Days per trip limit
Other	New car replacement - damage
Other	New car replacement - period

Weighting	Policy element	Details	Rating
Most important	Interest charged on payment by instalments (APR)
Most important	Renewal Fee
Secondary	Adjustment Fee
Secondary	Duplicate Documents Fee
Secondary	Cancellation fee within cooling off period
Secondary	Cancellation fee after cooling off period
Secondary	Payment Default Fee
Other	Claims helpline
Other	Windscreen helpline
Other	Legal advice helpline
Other	Notice if insurer cancels

Table last updated in February 2022. Next update in February 2022.

To see how Saga's car insurance compares with other policies, see 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? for full access to these results and all our reviews.

Saga car insurance customer satisfaction

Customer satisfaction element Customer satisfaction elementCustomer satisfaction elementCustomer satisfaction elementCustomer satisfaction elementCustomer satisfaction elementCustomer satisfaction elementCustomer satisfaction elementCustomer satisfaction elementCustomer satisfaction elementCustomer satisfaction elementCustomer satisfaction element
Application Process
Clarity of Policy
Dealing with queries
Ease of managing your policy online
Fair treatment of longstanding customers
Dealing with complaints
Value for money

Table last updated in February 2022. Next update in February 2023.

How can you save money on Saga car insurance?

The first offer an insurer makes isn’t necessarily the best it's able to provide, especially if you’re renewing. So, before parting with your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.

Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all dancing policy, but certain add-ons might not be for you or could duplicate cover you already have separately.

Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them directly to find a cheap car insurance quote.

The Saga Plus car insurance policy isn't available on price comparison websites, but you can buy its Select policy via the following price comparison websites:

Compare the Market
Confused.com
Go Compare
Money Supermarket

✘ Multi car discount

A discount to the premium for insuring more than one car on a single policy with the same provider.

✘ Dash cam discount

A discount to the premium for having a dash cam installed in your car

✘ Membership discount

A discount to the premium for being a member of an organisation

✘ Joint car and home insurance discount

A discount to the premium for purchasing car and home insurance policies from the same provider

Above information correct as of December 2021.

We’re working with Confused.com to help you get a great deal on your car insurance. Search for a new policy now.

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.

Find out more: is it worth claiming on your car insurance?