A range of cover options to suit your needs
3-year fixed price with no tie-ins – T&Cs apply
From UK stays to global getaways
Relaxing hotel-based holidays in the sun, with a Saga Host on hand.
Everything's taken care of on a Saga Group Tour, so you can see and do more.
Exciting destinations. Inspiring options. Discover your ideal travel experience.
Access to a range of accounts to suit your savings needs.
Including will writing, probate and lasting power of attorney.
Provided by award-winning mortgage broker Tembo.
Tips, insight and guidance into helping your money work as hard – and stretch as far – as possible.
The UK's bestselling subscription magazine
Discover our daily puzzles
When you want to enjoy the open road but want reliable insurance to give you freedom, 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 that's tailored to you.
Comprehensive insurance, also known as fully Comprehensive or fully comp insurance, offers the highest level of protection for you and your vehicle.
Comprehensive insurance isn’t always the most expensive. It’s always worth comparing quotes for different types of policy.
Comprehensive car insurance covers damage to you or your car. It also pays out to any third party if you’re involved in an accident that’s considered 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.
Although Comprehensive insurance is the highest level of insurance coverage, some things may not be covered by a standard policy.
For Saga customers, Comprehensive cover doesn’t include the following:
You can find more information in our Policy Books.
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. It doesn’t cover the cost of repairing or replacing your car. Third Party, Fire and Theft also provides cover for damage to your vehicle following fire and theft.
What’s the key difference between Comprehensive and third-party insurance? Unlike third-party insurance, Comprehensive insurance covers accidental damage to your vehicle.
You don’t legally need Comprehensive cover to drive your car in the UK. But it’s a good idea to consider the impact of not having it, which can include the following:
Having the right Comprehensive car insurance gives you peace of mind against most issues. It provides 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.
Some Comprehensive insurance policies offer Driving Other Cars (DOC) coverage. Check your policy documents to see if DOC coverage is included.
If DOC is included in your policy, it might be on a third-party basis, even if you have Comprehensive coverage. Remember, Driving Other Cars cover is intended for occasional use and shouldn’t be used for driving other vehicles regularly.
If Driving Other Cars cover isn’t included in your policy, it’s illegal to drive another car unless you’re a named driver on the owner’s insurance policy.
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 Cover in most European countries with the same level of cover as you have in the UK. |
Up to 90 days |
||
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 |
||
Vandalism promise
You won't lose your NCD if you make a valid claim for damage caused by vandals.
|
|||
Misfuelling
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.
|
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.
|
|||
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).
|
The more coverage you request, the more your insurance policy generally costs. You can choose the level of Comprehensive insurance you need and add relevant optional extras.
All car insurance costs are determined by a few factors, including:
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.
Saga policies cover you for theft and damage caused by attempted theft, unless:
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:
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).
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.
There's plenty to explore and learn about our car insurance cover.