All About our Car Cover

Features and benefits

Saga Standard

Saga Select

Saga Plus

3-year fixed price

Protected No Claim Discount (NCD)

If you have four or more years' NCD, we'll protect it against two fault claims in a three-year period.

Optional

Emergency any driver cover

If there’s a medical emergency during your journey, any driver can take over the driving or take your vehicle back home.

Cover for trips abroad

You can drive in the EU for an unlimited period (up to 90 days with Saga Standard) with the same level of cover as you have in the UK.

Audio/visual cover

Permanently fitted equipment is covered against fire, theft and accidental damage. Cover is unlimited for Saga Plus and Saga Select and up to £1,000 for Saga Standard.

Vandalism promise

You won't lose your NCD if you make a valid claim for damage caused by vandals.

Uninsured driver promise

You won't lose your NCD and there's no excess to pay if you're hit by an uninsured driver and you supply us with their vehicle details.

Guaranteed replacement car

We’ll give you a replacement car while yours is being repaired after an accident anywhere in the UK, or until it’s declared a total loss (if you use our repairer network).

Windscreen and windows cover

You won’t lose your NCD and are also covered for the realignment and/or calibration of sensor equipment. There’s no excess to pay if our approved repairers can repair the glass for Saga Plus and Saga Select, and an excess of £25 for Saga Standard. If replacement is needed, you pay the replacement excess.

Personal accident cover

We’ll provide £5,000 for certain injuries you sustain in an accident involving your vehicle.

Emergency accommodation/get you home cover

If you’re stranded after an accident, we’ll provide up to £500 per incident for accommodation or travel expenses.

Personal belongings cover

We’ll provide up to £1,000 (£400 for Saga Standard cover level) for items carried in your car, such as phones, laptops, glasses and clothing (other limits apply depending on the item, see your Schedule for details).

New for old cover

If you’ve owned your vehicle from new and it’s up to a year old, we’ll replace it with a brand new one if it’s written off. Vehicles between one and two years old are covered up to 12,000 miles for Saga Plus and Saga Select cover levels.

Child car seat cover

We’ll replace your child car seat with a brand-new one following an accident even if there is no apparent damage to it.

Medical expenses cover

We'll provide up to £300 per person for Saga Plus and Saga Select cover levels, and up to £250 for Saga Standard for medical expenses following an accident involving your vehicle.

Key protection

We'll cover up to £2,500 per claim, and with us, you will even get up to £250 for wear and tear. You won't have to pay an excess and your NCD won't be affected.

Optional

Claims promise

While you are with us, your NCD won't be affected by claims caused by theft, fire, storm, flood or animal damage, or if your vehicle is hit when parked.

Legal Protection

We’ll cover up to £100,000 of legal costs for accidents in the UK that are not your fault, as long as an independent legal representative believes there is more than 51% chance of success.

Optional

Accident Healthcare cover

We’ll provide you and your spouse/partner with eligible private medical treatment if you’re injured in a road traffic accident. (See separate Policy Book).

Onward taxi travel

If you can’t use your vehicle after an insured incident in the UK, we’ll provide onward travel by taxi to any UK destinations.

3-year fixed price

If nothing changes over the next three years, neither will the cost of your policy. . (T&Cs apply).

Features and benefits

Third party, Fire & Theft

Third Party Only

Protected No Claim Discount (NCD)

If you have four or more years' NCD, we'll protect it against two fault claims in a three-year period.

Emergency any driver cover

If there’s a medical emergency during your journey, any driver can take over the driving or take your vehicle back home.

Cover for trips abroad

You can drive in the EU for an unlimited period (up to 90 days with Saga Standard) with the same level of cover as you have in the UK.

Audio/visual cover

Permanently fitted equipment is covered against fire, theft and accidental damage. Cover is unlimited for Saga Plus and Saga Select and up to £1,000 for Saga Standard.

Legal Protection

We’ll cover up to £100,000 of legal costs for accidents in the UK that are not your fault, as long as an independent legal representative believes there is more than 51% chance of success.

Optional

Saga Breakdown Assistance

Our breakdown cover offers reliable UK-wide breakdown cover 24 hours a day, 365 days a year. If you are a Saga Breakdown Assistance customer, in the event of a breakdown please call our 24-hour claims line on 0800 068 1966. Our range of cover levels are explained below:

Essential - Roadside repair, or recovery to the nearest garage when breakdown occurs at least 1/4 mile from your home address. 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 when breakdown occurs at least 1/4 mile from your home address
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.

More information can be found in our breakdown assistance Policy Book.

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 and can be added to a Saga Select and Saga Standard policy at any time.

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 in the UK. We will cover claims as long as an independent legal representative believe 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 a four-hour driver confidence course to help you get back in the driving seat if you have lost your confidence or if you have suffered an injury as a result of an accident in your car
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.

More information can be found in our car insurance Policy Book.

Saga Legal Protection is underwritten 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.

Replacement Car Extension means 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.

Other benefits include:

We will automatically extend the cover provided by this policy to the replacement car
We also pay 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.

More information can be found in our car insurance Policy Book.

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 from £5,000 up to £150,000 per person and covers a wider range of injuries. Other benefits include:

Family members in your vehicle are also covered, and you and your named spouse/partner are even covered when driving borrowed vehicles
£300 for a one-night hospital stay and £200 for each consecutive night, up to a total of 30 nights
up to £2000 for physiotherapy, including whiplash
Up to £1,000 for counselling therapy.

More information can be found in our car insurance Policy Book.

Increased Personal Accident cover is arranged and administered 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 average time to attend and gain access is 72 minutes. This includes all customers, so those with an immediate need, for example a child locked in a car, and those who aren't in a hurry, for example, they're out and ask the locksmith to attend when they're due home.

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.

Key Protection is underwritten by Fortegra Europe Insurance Company Ltd.

Saga Car Insurance cover at a glance

And if you have Third Party or Third Party, Fire & Theft cover...

It’s the little things that make a big difference

Things you can do online

Additional cover options

Features and benefits	Saga Standard	Saga Select
Protected No Claim Discount (NCD) If you have four or more years' NCD, we'll protect it against two fault claims in a three-year period.	Optional
Emergency any driver cover If there’s a medical emergency during your journey, any driver can take over the driving or take your vehicle back home.
Cover for trips abroad You can drive in the EU for an unlimited period (up to 90 days with Saga Standard) with the same level of cover as you have in the UK.
Audio/visual cover Permanently fitted equipment is covered against fire, theft and accidental damage. Cover is unlimited for Saga Plus and Saga Select and up to £1,000 for Saga Standard.
Vandalism promise You won't lose your NCD if you make a valid claim for damage caused by vandals.
Uninsured driver promise You won't lose your NCD and there's no excess to pay if you're hit by an uninsured driver and you supply us with their vehicle details.
Guaranteed replacement car We’ll give you a replacement car while yours is being repaired after an accident anywhere in the UK, or until it’s declared a total loss (if you use our repairer network).
Windscreen and windows cover You won’t lose your NCD and are also covered for the realignment and/or calibration of sensor equipment. There’s no excess to pay if our approved repairers can repair the glass for Saga Plus and Saga Select, and an excess of £25 for Saga Standard. If replacement is needed, you pay the replacement excess.
Personal accident cover We’ll provide £5,000 for certain injuries you sustain in an accident involving your vehicle.
Emergency accommodation/get you home cover If you’re stranded after an accident, we’ll provide up to £500 per incident for accommodation or travel expenses.
Personal belongings cover We’ll provide up to £1,000 (£400 for Saga Standard cover level) for items carried in your car, such as phones, laptops, glasses and clothing (other limits apply depending on the item, see your Schedule for details).
New for old cover If you’ve owned your vehicle from new and it’s up to a year old, we’ll replace it with a brand new one if it’s written off. Vehicles between one and two years old are covered up to 12,000 miles for Saga Plus and Saga Select cover levels.
Child car seat cover We’ll replace your child car seat with a brand-new one following an accident even if there is no apparent damage to it.
Medical expenses cover We'll provide up to £300 per person for Saga Plus and Saga Select cover levels, and up to £250 for Saga Standard for medical expenses following an accident involving your vehicle.
Key protection We'll cover up to £2,500 per claim, and with us, you will even get up to £250 for wear and tear. You won't have to pay an excess and your NCD won't be affected.	Optional	Optional
Claims promise While you are with us, your NCD won't be affected by claims caused by theft, fire, storm, flood or animal damage, or if your vehicle is hit when parked.
Legal Protection We’ll cover up to £100,000 of legal costs for accidents in the UK that are not your fault, as long as an independent legal representative believes there is more than 51% chance of success.	Optional	Optional
Accident Healthcare cover We’ll provide you and your spouse/partner with eligible private medical treatment if you’re injured in a road traffic accident. (See separate Policy Book).
Onward taxi travel If you can’t use your vehicle after an insured incident in the UK, we’ll provide onward travel by taxi to any UK destinations.
3-year fixed price If nothing changes over the next three years, neither will the cost of your policy. . (T&Cs apply).