Skip to content
Back to Insurance
Back to Holidays
Back to Saga Money
Back to Saga Magazine
A mature man in sunglasses waxing his car


Be confident you’re covered with Comprehensive insurance

Fully Comprehensive car insurance with a 3-year fixed price option

When you want to enjoy the open road, but you know you need reliable insurance to give you the freedom you need, we make it easy to understand the ins and outs of Comprehensive car insurance. We spell out the basics so you can choose the right cover, tailored to you.

What is fully Comprehensive insurance?

Comprehensive insurance, also known as fully Comprehensive or fully Comp insurance, offers the highest level of protection for you and your vehicle.

  • If you damage your car, someone else’s car, or someone is injured in an accident, Comprehensive car insurance pays out regardless of who is to blame
  • As well as insuring you against fire and theft, it often includes cover for your belongings inside your car, a courtesy car to use if yours is being repaired after an accident, and vandalism cover
  • Exact levels of cover will depend on the policy you choose, so you should always read the policy details to ensure you choose the best cover to suit your needs.

Comprehensive cover isn’t always the most expensive option, although people often assume this; it’s always worth comparing quotes for different types of policy.

How does Comprehensive insurance differ from third party insurance?

As a legal minimum in the UK, in order to drive a car on the road you must have third party insurance.

This only covers damage to a third party, whether that’s another vehicle, a building or a person, and not the cost of repairing or replacing your car. Third Party, Fire and Theft also provides cover for damage to your car following fire or theft.

The difference between Comprehensive and third party insurance is that unlike third party, Comprehensive covers accidental damage to your own vehicle as well as to a third party.

Do you need Comprehensive car insurance?

Although you don’t legally need Comprehensive cover to drive your car in the UK, you should carefully consider the impact of not having it.

  • Without Comprehensive insurance, you’ll need to cover any costs of repair or replacement to your vehicle if it’s involved in an accident
  • Holding only the minimum cover for your vehicle means that this might cost you more at a later date, for example if you are involved in an accident where the fault isn’t clear.

Having the right Comprehensive car insurance gives you peace of mind against most issues, and certainly gives you more protection than other insurance options. It's a good idea to check your policy documents to make sure you have the cover you need.

What does Comprehensive insurance cover?

Comprehensive car insurance covers damage to yourself and your car, as well as paying a third party if you’re involved in an accident that is deemed to be your fault. You can also claim in cases where fault can’t be established.

At Saga we offer three levels of Comprehensive car insurance for over 50s, Saga Plus, Saga Select and Saga Standard.

  • Saga Standard is a straight-forward Comprehensive cover that includes our uninsured driver promise and up to 90 days EU cover.
  • Saga Select offers Comprehensive cover with some great features, including Protected No Claim Discount and our vandalism promise.
  • Saga Plus comes with lots of great features, including our 3-year fixed price offer so your premium won’t change unless you do (terms and conditions apply). And with Saga Plus, you’re free to cancel at any time with no cancellation fees to pay

Compare car insurance from Saga

Cover and benefits Saga Standard Saga Select Saga Plus
3-year fixed price
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.

Cover for trips abroad

Drive in Europe for up to 90 days in any policy year with the same level of cover as you have in the UK.




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.


Vandalism promise
You won't lose your NCD if you make a valid claim for damage caused by vandals.
Any loss or damage caused directly or indirectly as a result of accidentally filling your vehicle with the incorrect type of fuel.
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.
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.
3-year fixed price
You'll get a price for one year's cover but, because we fix this for your next two renewals, as long as nothing changes, you'll pay the same price next year and the year after. (T&Cs apply).

Who are Saga's car insurance policies underwritten by?

Saga’s car insurance policies, exclusively for people over 50, are unique products designed by us specifically for our customers. They are underwritten by a number of carefully selected insurers that provide high standards of quality and service.

Get a quote for Comprehensive Insurance

What isn’t covered by Comprehensive car insurance?

Although Comprehensive insurance is the highest level of cover, there may be some things that still aren’t covered within a standard policy.

For Saga customers, Comprehensive insurance will not cover:

  • Your car being stolen when you’ve left it unlocked
  • Loss or damage due to war, terrorism, earthquake or radioactivity
  • Damage you or anyone named on your certificate of insurance has done deliberately
  • Your compulsory and voluntary excesses.

More information can be found in our Policy Books.

What affects the price of Comprehensive car insurance?

The more cover you request, generally the more it costs. You can choose the level of Comprehensive insurance you want based on your needs and add in optional extras if they are relevant.

All costs are determined by a number of factors including:

  • The type and age of the car you drive, and how many miles you drive in a year
  • Your age and years of driving experience, any history of driving convictions, and whether you have made previous insurance claims in the past
  • Where you live and work, where you store your car at night and whether it has an alarm or immobiliser
  • How much you agree to pay as a compulsory excess, plus any voluntary excess and optional extras you choose.
Comprehensive insurance FAQs
Can I drive any car with Comprehensive insurance?

Having fully comprehensive insurance on your own car doesn’t automatically give you the same level of cover on any car.

With Saga Comprehensive Insurance, cover is provided to drive other cars not owned or insured by you or your spouse/partner, on a third-party basis, provided you have the owner’s permission and the vehicle has insurance in its own right. Make sure you check your documents first, as exclusions may apply due to certain occupations.

Does Comprehensive insurance cover theft?

Saga policies cover you for theft and damage caused by attempted theft, unless:

  • your vehicle is not fully locked and secured
  • the keys and/or any other device(s) that unlock and/or start your vehicle are in, on or next to your vehicle while it is left unattended and/or unoccupied
Is all Comprehensive coverage the same?

Not all policies are the same, but most will offer financial protection against fire, theft and accidental damage, plus liability for damage to third party vehicles and their occupants.

You will likely also be covered for personal injury, windscreen damage and personal possessions. You may also get cover for a courtesy car, breakdown cover or a number of optional extras such as legal cover.

Saga Standard includes our uninsured driver promise and up to 90 days European driving with optional Key Protection, Increased Personal Accident, Legal Protection and Replacement Car Extension for Theft and Total Loss.

Saga Select includes Protected No Claim Discount, our vandalism promise and unlimited European driving with the same optional extras as Saga Standard.

Saga Plus has lots of great features as standard, and with a 3-year fixed price:

  • Onward taxi travel – if you have an accident in the UK and your car's too damaged to drive, we'll arrange a taxi to take you anywhere in the country — with as many stops as you need
  • Medical treatment after an accident – if you (or your spouse or partner) is injured in a road accident in the UK, we'll organise eligible private medical treatment for you to to £1 million
  • Legal protection – up to £100,000 to help you recover uninsured losses (for example compensation for an accident in the UK that wasn't your fault), as long as an independent legal representative thinks you can win the case
  • Key protection – we'll cover up to £2,500 per claim, including up to £250 for wear and tear. There's no excess to pay and claiming won't affect your NCD
  • Emergency any-driver cover – if you have a medical emergency during a journey, any driver can take over or bring your car back home
  • Unlimited European driving – you're also covered when you're driving in the EU (some restrictions apply).
Is windscreen cover included with fully Comprehensive if its broken or damaged

Windscreen cover is included with Saga Plus, Saga Select and Saga Standard. And if you claim for this it won’t affect your No Claim Discount.

As long as you use one of our approved repairers, and they don’t need to replace your windscreen, with Saga Plus and Saga Select you won’t even have to pay for it (Saga Standard has a £25 excess for repairs).

If your windscreen does need replacing, and you use an approved repairer, with Saga Plus and Saga Select you will only pay a £75 excess (£100 excess for Saga Standard).

What factors can affect the cost of Comprehensive car insurance?

Insurance providers look at a number of different factors to determine the price of comprehensive insurance premiums. These include your address, occupation, annual mileage, driving history and car.

By using the information you supply to them, insurers determine how much of a risk you pose to them and so how much it will cost to insure you.

You can get a personalised Saga Car Insurance quote online.