A range of cover options to suit your needs
3-year fixed price with no tie-ins – T&Cs apply
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Car insurance. We all need it to drive a car legally and safely. Understand your options and find the cover that’s best for you in our complete guide to car insurance in the UK. That’s another task you can tick off your to do list.
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Car insurance policies vary according to how much cover you need. Generally, the more cover a policy offers, the more expensive it is.
Saga offers three Comprehensive levels of car insurance for the over 50s, each with the same great Saga service so you can choose the most suitable policy for your needs and budget.
For more information on finding the best car insurance for your situation, check out our tailored guides for over 60s, over 70s and over 80s car insurance.
Saga offers comprehensive car insurance for the over 50s. Which includes the following:
Pay the same price for three years if nothing changes – even after making a claim, most customers renewal premium didn't go up, (Saga Plus only. T&Cs apply).
We replace child car seats with a brand new one after an accident, even if there's no apparent damage to it.
If you have four or more years’ NCD, we’ll protect it against two fault claims in a three-year period (automatically included for eligible customers who choose Saga Plus or Saga Select).
If an uninsured driver hits your car, through no fault of yours, as long as you supply their vehicle registration and the accident details, we'll refund any excess paid and your No Claim Discount won't be reduced.
If you need to make changes to your policy mid-term we won't charge you a fee. And with Saga Plus we don't charge cancellation fees, so you're not tied in.
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. |
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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 |
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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 |
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Vandalism promise You won't lose your NCD if you make a valid claim for damage caused by vandals. |
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Misfuelling Any loss or damage caused directly or indirectly as a result of accidentally filling your vehicle with the incorrect type of fuel. |
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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 |
|
Legal protection We’ll cover up to £100,000 of legal costs for accidents that are not your fault, as long as an independent legal representative believes there is more than 51% chance of success. |
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. |
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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). |
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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. |
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Accident healthcare 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 up to £1 million. |
Choose Saga Plus and fix the price of your insurance for the next 2 renewals, if nothing changes. T&Cs apply
If you’re thinking of driving towards a greener future, here’s what you need to know about electric car insurance.
There are three different types of car insurance cover:
Third party insurance is the legal minimum you need to drive your car in the UK, but many people find that Comprehensive cover will give them the most peace of mind.
The ins and outs of what is and isn’t covered will depend on the car insurance policy you choose, so you should always read your policy documentation carefully. However, there are a few things that are generally excluded. These include:
You cannot drive a car without insurance, so if you own a car in the UK, at minimum you need to have third party insurance. You must also insure your car if you don’t drive it, but keep it parked on the street, in a driveway or in a garage.
There are very few instances where you don’t need car insurance, which include:
The police are able to check on the spot if your vehicle is insured. If it isn’t it can be seized and then disposed of unless you get valid insurance and pay charges for its return.
When you take out car insurance, an underwriter will work out how much of a risk there is of you making a claim. They take into consideration a wide range of risk factors, such as:
How much of a risk these are is down to historical statistics. A combination of these factors determines whether the underwriter will be prepared to cover you and at what cost. The more of a risk you’re thought to be, the more expensive your car insurance price will be.
We are proud to offer five-star treatment every day with Saga Car Insurance – Defaqto 5 Star rated every year since 2013.
Yes, you and any drivers named on the policy are. Both Saga Select and Saga Plus include cover for driving in EU countries for an unlimited amount of time. Saga Standard includes cover to drive in the EU for up to 90 days in any policy year. We also include some other countries – check which countries are covered.
For most countries we cover, you don’t need a green card anymore.
It's worth checking your Policy Schedule for any endorsements, as exclusions may apply due to certain occupations.
If no exclusions apply, you can drive a car that you don’t own or that isn’t insured by you or your spouse or partner, but only on a third-party basis.
Third-party is the most basic level of car insurance, and means that if you have an accident that’s your fault, your insurance will only cover the cost of repairing the other person’s car and their medical expenses. Damage to the car you’re driving or any injuries to you won’t be covered.
You’ll also need to have the permission of the car’s owner to drive it, and it must be insured in its own right.
Yes, we offer insurance cover for a wide variety of electric cars.
To find out if we can cover your electric vehicle and how much it will cost, get a quote online.
Yes, we include windscreen cover with Saga Plus, Saga Select and Saga Standard. And if you claim for this it won’t affect your No Claim Discount.
With Saga Plus and Saga Select, as long as you use one of our approved repairers and they don’t need to replace your windscreen, you won’t even have to pay for it (Saga Standard has a £25 excess for repairs).
If your windscreen does needs replacing, and you use a Saga approved repairer, you’ll have to pay a £75 excess (£100 excess with Saga Standard).
Different T&Cs apply if you use someone we haven’t approved – you can find more about this in the ‘Broken glass’ section of your policy book.
Our flagship Saga Plus cover level comes with 3-year fixed price car insurance. This means you get a price that won't go up for three years if nothing changes and the freedom to leave any time you like during the policy year with no cancellation fee. And if you make any mid-term changes like a new car or revised mileage you won't be charged an admin fee either.
Read all the terms and conditions and find out more about our 3-year fixed price.
There's plenty to explore and learn about our car insurance cover and beyond.