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14 Mar 2024

Saga car insurance review

Name: Saga car insurance review
Item: Saga Insurance Policy
Rating: 73
Author: Maha Gadir

Read Which?'s expert review of Saga car insurance. Find out how we rate its car insurance policies against 27 other providers

Maha GadirMarket analyst

In this article

What does Saga offer?
Does Saga offer the best car insurance?
How good are Saga's car insurance policies?
How did customers rate Saga car insurance?
How can you save money on Saga car insurance?
Saga: how can I claim?
Saga: FAQs
Find out how Saga rates for other products

What does Saga offer?

You'll need to be 50 or over to qualify for car insurance with Saga, as it specialises in cover for older drivers.

Saga also offers home insurance, travel insurance and other products including savings accounts. It offers three car insurance policies: Saga Standard, Saga Select and Saga Plus.

Saga's policy is underwritten by a panel including Acromas, Axa, Covea, LV and Sabre.

Find out more: how to find cheap car insurance

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Does Saga offer the best car insurance?

Here's how Saga scored in our latest survey:

65% customer score, putting it joint 7th out of 27 insurers rated
80% policy score on its standard policy – 2nd out of 28 providers we reviewed
62% claims score, placing it joint 17th out of 25 providers we had claims scores for

See how this compares with the best car insurance.

We review a lot of policies - and our 'Best Buy' badge recognises the individual products that stood out as being the most comprehensive in our analysis. It doesn't reflect customer service. However, we won't give a provider a Best Buy badge where there's evidence - either from our surveys or from Financial Conduct Authority data - of poor service or a poorer-than-average record of paying claims.

Policies named as Best Buys must have a minimum policy score of 65%

Additionally, we look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated.

Find out more: how we rate policies.

Lastly, all Best Buy policies must provide - either as standard or as an option - the following levels of cover as a minimum:

'Comprehensive' cover (meaning it covers third party claims, fire, theft and accidental damage to your car), a temporary courtesy car if yours is under repair or if it has been stolen or written off, a repairs guarantee period of at least 3 years, cover for damage to your windows or windscreen, legal expenses cover, liability cover of £20m or more and personal accident cover.

We analyse and rate 78 key elements of car insurance policies to come up with the overall 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. We assess how important different policy elements are to drivers when choosing and using a car insurance, and weight different areas of cover accordingly to enhance/reduce their impact in the overall product score.

How good are Saga's car insurance policies?

Saga's Select car insurance policy - in the middle of its range - was one of the most impressive policies we reviewed, ranking second out of 61 policies in our analysis.

We liked its vandalism promise - which means that if you're unfortunate enough that your car is vandalised, you won't feel the extra pain of losing no-claims discount if you claim.

Its policy also boasts one of the highest levels of personal accident cover - you can pick between £5,000 and £150,000. Additionally, unlike many policies, no-claims discount protection comes as standard.

On the downside, you're charged a £25 fee for renewing each year and it also has a reasonably steep £50 cancellation fee if you switch after the cooling off period.

Key claims

A 'key protect' feature comes as an enhancement with Saga's Select policy, and its more basic Standard policy - but as a standard part of its more comprehensive Plus policy. Your car's keys are covered in the event of loss or theft, as is the cost of replacing the locks (if it's likely the person who has stolen the keys knows where the car is).

This has a limit of £2,500 – including £250 for wear and tear – and claims made won't incur excesses or affect your policy's no-claims discount.

Without this feature, you can claim for loss and theft of your keys, but your policy's no-claims discount will take a hit. And wear and tear isn't covered.

Saga Plus and Saga Standard

Saga's most basic offering - 'Standard' - still received a very high 74% score in our analysis – one of the top 10 highest-scoring policies among the 61 we rated.

Meanwhile, its premium Plus policy held the number one spot in our analysis of cover – first out of 61 policies in our analysis, with a score of 84%.

The Plus policy comes with Saga's 'three-year fixed price' promise, which freezes your premium for three years unless you make a claim or your level of risk significantly changes.

Saga: key cover areas rated

Select a table:

Saga Select policy


Fire excess	£100
Theft excess	£100
Accidental damage excess	£150
Windscreen replacement excess	£75
Is the policy holder's NCD affected if car is hit while parked	Yes - can be reinstated
Windscreen damage - limit per claim	Market value
Window damage - limit per claim	Market value

How did customers rate Saga car insurance?

We asked Saga customers who have recently made a claim how they felt about their car insurance.

Saga's car insurance earned 65% for customer satisfaction, placing it joint seventh out of 25 providers. This compared with an average of 64%.

When we asked customers to rate their most recent claim, they were less impressed: Saga received a below-average score of 62%, ranking 17th in a table of 25 insurers.

Here's how customers rated Saga for various areas of service:

Select a table:

Customer satisfaction


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 2024. Next update in January 2025. A dash '-' indicates we had insufficient sample size (less than 30) to generate a star rating.

How can you save money on Saga car insurance?

Saga's Plus and Premium policies are only available directly, but its Standard cover can also be purchased via these comparison websites:

Compare the Market
Confused.com
Go Compare
MoneySuperMarket

Saga doesn't charge more if you take your policy out over the phone rather than via its website.

It offers discounts of up to 10% if you insure multiple vehicles on the policy (known as multi-car insurance).

And if you want to know how much you'll be paying two years down the line, Saga's Plus policy comes with a three-year fixed price guarantee.

Above information correct as of December 2023.

Check you're getting a great deal and search for a new car insurance policy using the service provided by Confused.com. Get a quote now

Saga: how can I claim?

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

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

Saga: FAQs

Why is Saga car insurance so expensive?

Car insurers offer 'personalised pricing': each customer pays a different premium depending on the insurer's interest in competing for their custom and its view of their level of risk. An insurer that's offering comparatively cheap quotes to one driver might be exorbitantly expensive for another. The only way to ensure you're getting the best possible deal is to shop around.

Can I renew my Saga insurance online?

Yes, you can renew your policy on Saga's website.

Saga car insurance review