Saga is an award-winning insurance provider founded in 1959, focusing on the needs of those aged 50 and over, providing insurance, holidays, financial services and healthcare.
Its products are designed for and exclusively available to those aged 50+, and they can often command a premium. However, this is a well-established company that boasts an array of accolades and industry awards. It seems that Saga customers are prepared to pay a little more for their quality and service.
Overview of cover provided by Saga Car Insurance UK
Saga offers three comprehensive car insurance products:
- Saga Plus
- Saga Select
- Saga Standard
Saga Plus is the company’s most premium car insurance product. It comes with a three-year fixed price, meaning your premium will be locked in at the same price for the next two renewals (as long as your details don’t change). And while your price may be locked in for three years, it’s not a three-year policy — you can choose to leave at renewal if you wish.
Saga Plus cover includes:
- Onward Travel — This will get you to your destination by taxi if your car’s too damaged to continue your journey (UK travel only).
- Private medical treatment — Get private treatment for your or your spouse if either of you are involved in a road traffic accident in the UK. Eligible treatments are detailed in your policy information, up to £1m.
- Legal protection — This helps you recover uninsured losses if the legal team believes your case can be won, like a loss of earnings after an accident that’s not your fault. Cover available up to £100,000.
Saga Plus also offers a range of added extras, including Accident Healthcare cover, and protected No Claim Discount.
Saga Select is Saga’s second-tier comprehensive policy. While it’s available at a cheaper price than Saga Plus, it comes with fewer features and doesn't include a three-year fixed price. With both Saga Plus and Saga Select cover levels you can benefit from:
- Emergency ‘any driver’ cover — If there’s a medical emergency during your journey, any driver can take over the driving or take your car back home.
- Unlimited European driving — You can get the same level of cover within the EU as you have in the UK for an unlimited time.
Legal protection up to £100,000 is also available on Saga Select as an optional extra.
Your No Claims Discount is protected as standard on both Saga Plus and Saga Select.
Saga Standard is the lowest level of comprehensive cover customers can choose. While it does cover trips abroad and up to £1,000 cover for audio-visual equipment, it doesn’t include emergency ‘any driver’ cover and driving in the EU is limited to 90 days. You can protect your No Claims Discount with Saga Standard, but only at an additional cost.
It’s difficult to find information about Saga Standard on the Saga website. However, the latest policy documentation is dated as recently as the 26th May 2021 (true as of August 2021), so it appears that this type of policy is still available to new customers.
Interested? Get an instant saga car insurance quote online.
What do Saga car insurance reviews from customers say?
Saga car insurance fares well with its customers. On user review website Trustpilot, Saga is rated 4.6 out of 5 based on more than 23,000 reviews, and 75% of users described them as “Excellent” (true as of August 2021). While these reviews are for Saga plc overall, the vast majority are for their motor insurance policies.
Saga plc is ranked 15 out of 32 ranked companies in Trustpilot’s Car and Motor Insurance Agency category (true as of August 2021).
On Reviews.io, Saga is rated slightly lower at 3.80 out of 5. This is based on more than 1,100 reviews (as of August 2021).
What do Saga car insurance reviews from the experts say?
Expert financial reviews website Fairer Finance rated Saga car insurance 26th out of 56 providers for overall customer satisfaction. While Saga was rated highly for its complaints performance, it scored relatively low for its transparency and customer trust.
Fairer Finance rated all of Saga’s car insurance products (Plus, Select and Standard) 4 out of 5 stars (as of August 2021).