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Review your additional cover options for your Saga car insurance at any time in MySaga

Extra cover options for your car policy

In addition to the benefits which come as standard with our Comprehensive car insurance, we also offer a range of additional cover options.

Saga Breakdown Assistance

To help keep you on the road, Saga Breakdown Assistance can be added to your policy. It offers reliable UK-wide breakdown cover 24 hours a day, 365 days a year and, with a range of cover levels, you can choose the cover that’s right for you:

  • Essential – Roadside repair, or recovery to the nearest garage plus reimbursement of taxi costs to take you and your passengers up to 20 miles*
  • Home Call – Repair at home or roadside, or recovery to the nearest garage plus reimbursement of taxi costs to take you and your passengers up to 20 miles
  • National Recovery – Roadside repair, or recovery to your home or a garage anywhere in the UK*
  • Comprehensive – Repair at home or roadside, or recovery of your car, you and your passengers to your home or a garage anywhere in the UK, hire car or overnight accommodation
  • Premier – All the above, plus cover for roadside repair and recovery in 55 countries and territories in Europe, and transport to your holiday departure point if you break down en route and we are unable to fix your car. Plus, if your car breaks down within 24 hours of your planned departure date in the UK, we'll arrange a hire car for up to 14 days so you can proceed with your trip.

*When breakdown occurs at least 1/4 mile from your home address.

Anyone thinking of driving to Europe should check The Foreign, Commonwealth & Development Office website for the latest travel advice.

Who provides Saga's breakdown assistance policies?

Saga's range of insurance products is designed specifically for our customers and is unique to us.

Saga Essential, Home Call and National Recovery Breakdown Assistance is provided by RAC Motoring Services. Saga Comprehensive, Premier, Motorhome Assistance and Motorhome Assistance Plus Breakdown Assistance is provided by RAC Motoring Services and RAC Insurance Limited.

Legal protection

Legal Protection comes as standard with our Saga Plus cover level, but can also be added to a Saga Select or Saga Standard policy at any time, view more information on our car insurance cover levels.

If you are involved in an accident that's not your fault and was caused by a known insured third party, we will provide up to £100,000 towards costs for trained claims handlers to recover uninsured losses following an accident. We will cover claims as long as an independent legal representative believes you can win your case.

Our trained claims handlers seek recovery for any uninsured losses from a third party such as:

  • Travelling expenses
  • Loss of earnings
  • Compensation for personal injury.

With Legal Protection you can also benefit from:

  • Unlimited access to motoring legal advice for you and your family via our 24-hour confidential helpline
  • Cover if you need to take legal action, or defend an appeal, against a motor trader in a dispute involving the purchase, servicing, or repair of your vehicle
  • The option of four hours of driver confidence coaching to be taken as agreed between you and an instructor of your choice if you need a confidence boost – whatever the reason
  • Up to £10,000 of legal costs in respect of any legal claim to pursue the recovery of illegal clamping or towing fees relating to your vehicle.

Who underwrites Saga's legal protection cover?

Saga Legal Protection is underwritten by RAC Motoring Services.

Replacement Car Extension

Our Comprehensive policies include a replacement car as standard if an approved repairer is repairing your car following an accident in the UK.

For an additional cost you can add Replacement Car Extension to your policy. With this cover we can also offer you a replacement car if yours is stolen or written off - keeping you mobile and giving you time to find and purchase a new vehicle.

We also include a £100 cash benefit, which could help towards things like replacement car delivery costs or pre-purchase vehicle inspections. There are no restrictions on what you choose to spend the money on though; the pay-out is automatic and there’s no need to send in any receipts.

Who underwrites Saga's replacement car extension cover?

Saga Replacement Car Extension is provided by Acromas Insurance Company Limited, which meets our high standards of quality and service.

Increased Personal Accident

Regardless of whose fault it is, if you or your named spouse/domestic partner are seriously injured as a result of an accident involving your car, our Comprehensive policies include £5,000 compensation for selected serious injuries as standard.

Increased Personal Accident extends cover for serious injuries or accidental death from £5,000 up to £150,000 per person. Although it’s unlikely you'll ever need to make a claim, if the worst does happen the benefit paid out could be substantial and help to compensate for things like loss of earnings, making adjustments to your home, or even just to help paying for things like taxis to medical appointments.

In addition, this optional extra also includes cover for a wide range of smaller injuries, such as a broken wrist, ankle or nose. Emergency dental treatment is also covered, as is counselling therapy, and you even get £300 if you spend a night in hospital, with £200 for each consecutive night, up to a total of 180.

Family members in your vehicle are also covered, and you and your named spouse/partner are even covered when driving borrowed vehicles.

Examples of the benefits provided under Increased Personal Accident cover:

Increased Personal Accident cover benefits

Examples of the benefits provided under Increased Personal Accident cover:

What's covered Benefit amount
Accidental death
£150,000 (£25,000 for a child)
Permanent total disablement
Loss of limb – one or more
Loss of sight
Loss of, or permanent total and irrecoverable loss of us of one hand or one foot
Total and irrecoverable loss of use of the spleen
A fractured pelvis
A fractured collarbone
Facial scarring
Third-degree burns
Counselling therapy
Up to £1,000

Who underwrites Saga's increased personal accident cover?

Increased Personal Accident cover is underwritten by Acromas Insurance Company Limited.

Key Protection

Key Protection is included with Saga Plus and an optional extra for Saga Select and Saga Standard.

We'll cover up to £2,500 per claim and, with us, you even get up to £250 for wear and tear. You won't have to pay an excess and your No Claim Discount won't be affected.

Key Protection covers a wide variety of scenarios, from loss, theft and accidental damage to keys locked inside a car or house, or keys stuck in locks. Our specialist locksmiths are on-hand to help 365 days a year throughout the day and night. They carry 100s of picks enabling them to gain entry to all sorts of cars.

The locksmiths are also able to cut new keys on site from scratch or copy spare keys if available, saving you the time and effort of ordering new keys from a dealership. Our locksmiths can also dismantle locks and replace them on site with keys cut to fit, and they use specialist extraction tools to ensure no further damage is caused if a key is stuck in a lock.

We’re also able to arrange overnight accommodation and onward travel if you can't use your car.

Who underwrites Saga's key protection cover?

Key Protection is underwritten by Fortegra Europe Insurance Company Ltd.

How to add extra cover to your policy

If you are an existing Saga car insurance customer you can add these additional cover options to your policy at any time in MySaga or when you come to renew your policy.

Your price will be calculated up to your next renewal date and you won't have to pay any admin fees.