Cover at a glance

Our Comprehensive Car Insurance includes benefits that many insurers do not offer as standard or for which they may charge you extra. The table below outlines what's included with each level of cover.
 
Cover at a glance
Third Party Only  Third Party, Fire and Theft  Comprehensive 
Accidental damage to insured car   

cross

 

cross

 

tick

Loss or damage to insured car by fire or theft  

cross

 

tick

 

tick

Legal costs arising from a Third Party claim  

tick

 

tick

 

tick

Legal liability to Third Parties, including up to £20 million of property damage  

tick

 

tick

 

tick

Uninsured driver cover - 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    cross cross

tick

Vandalism cover - your No Claim Discount will not be affected by a claim for damage caused by vandals  

cross

 

cross

 

tick

Cover for audio/visual and/or communication equipment (permanently fitted in the vehicle)  

cross

 

tick

If as the result of fire or theft

 Unlimited

Replacement car for up to 14 days while yours is being repaired by one of our approved repairers following an incident in the UK   

cross

 

cross

 

tick

Personal belongings for effects and clothing kept in or on your vehicle
 

cross

 

cross

 Up to £1,000, £2,000 in the month of December

Personal accident benefits for policyholder and spouse/domestic partner  

cross

 

cross

 Up to £5,000

Medical expenses (per person)  

cross

 

cross

 Up to £300

Emergency accommodation / Get you home cover  

cross

 

cross

 Up to £500

Cover for any person with a full driving licence to drive your car in a medical emergency  

tick

 

tick

 

tick

Windscreen, window and sunroof glass repairs - no excess to pay and your No Claim Discount will not be affected if you use one of our approved repairers  

cross

 

cross

 

tick

Two years 'new for old' cover if you've owned the car from new - with no mileage restrictions in the first year, and up to 12,000 miles in the second  

cross

 

cross

 

tick

Cover in the European Union for the policyholder to take trips abroad for an unlimited period at no extra cost  

tick

 

tick

 

tick

Optional cover available
 Protected No Claim Discount

 Optional

 Optional

Optional

 Legal Protection

 Optional

 Optional

Optional

 Increased Personal Accident  

cross

 

cross

Optional

 Replacement car extension for theft/total loss  

cross

 

cross

Optional

Replacement car category upgrade cross cross

Optional

 Accident Healthcare

 Optional

 Optional

Optional

Saga Breakdown Assistance

Optional

Optional

Optional

 

For the full policy features and benefits please see our Policy Booklet.

Related

  • Frequently asked questions

    Frequently asked questions

    Need help? If you have a question about Saga Car Insurance, you may find the answer in our Frequently asked questions section. We've made a list of all the questions that we are asked most often, and provided helpful answers.

    Read on

  • Additional cover options

    Additional cover options

    In addition to the benefits which come as standard with a Saga Car Insurance policy, we also offer a range of additional cover options - find out more.

    Read on

Car Insurance

Our superb Comprehensive cover for the over 50s includes:

  • Discounted Saga Breakdown Assistance
  • Uninsured driver cover
  • Vandalism cover.