Car Insurance

Summary of cover

Policy features and benefits for each level of cover with Saga Car Insurance.
For full policy terms and conditions click here.

Summary of Cover Third Party Only Third Party, Fire and Theft Comprehensive
Accidental Damage to insured car Not included Not included Included
Loss or damage to insured car by Fire or Theft Not included Included Included
Legal costs arising from a Third Party claim Included Included Included
Legal Liability to Third Parties. Property damage is limited to £20 million (excluding death, injury or damage to property resulting from terrorism except as necessary to meet the requirements of the Road Traffic Acts) Included Included Included
Vandalism cover – you won’t lose your No Claim Discount if you make a claim for damage caused by vandalism Included Included Included
Driving other cars (Third Party only) This benefit is available for the policyholder and named spouse/domestic partner and selected occupations only Included Included Included
Cover for audio/visual and/or communication equipment (permanently fitted in the vehicle) Not included Included
If as the result of fire or theft		 Unlimited
Personal Belongings in the insured car Not included Not included Up to £1,000, £2,000 in the month of December
Personal Accident benefits for policyholder and spouse or domestic partner Not included Not included Up to £20,000
Medical expenses (per person) Not included Not included Up to £300
Emergency Accommodation / Get You Home Cover Not included Not included Up to £500
Cover for any person with a full driving licence to drive your car in a medical emergency Included Included Included
Windscreen, window and sunroof glass repairs, without loss of No Claim Discount Not included Not included Included
New for old cover on cars less than two years old where you are the first registered keeper. Mileage restrictions apply Not included Not included Included
Cover in the EU for the policyholder to take trips abroad for an unlimited period at no extra cost Included Included Included
Replacement car if the insured vehicle is being repaired by us following accident, fire or theft Not included Not included Included
Up to 60% No Claim Discount Included Included Included
Option to protect Maximum No Claim Discount Included Included Included
Legal Protection Optional Optional Optional
Breakdown Cover Optional Optional Optional
Replacement car extension for theft/total loss if we have accepted a valid claim Not included Not included Optional
Replacement car category upgrade Not included Not included Optional
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