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CAR INSURANCE

Car insurance you can count on for the over 50s.

Find the best car insurance for you

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.

Already a customer?

Log in or create a MySaga account to make changes, view your policy documents or renew your policy. Fast and easy, no need to call.

New to Saga?

Start your journey with us, get a quote or pick up where you left off. Online or over the phone, we look forward to welcoming you.

What does car insurance cover?

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.

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.
Tick
Tick
Tick
Cover for trips abroad
EU cover for up to 90 days in any policy year with the same level of cover as you have in the UK.
Tick

Unlimited

Unlimited

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

Tick
Tick
Vandalism promise
You won't lose your NCD if you make a valid claim for damage caused by vandals.
Dash
Tick
Tick
Misfuelling
Any loss or damage caused directly or indirectly as a result of accidentally filling your vehicle with the incorrect type of fuel.
Dash
Tick
Tick
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
Tick
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.
Dash
Dash
Tick
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).
Dash
Dash
Tick
Two cars parked facing each other

Multi car insurance

Like the cover and price you got with Saga Car Insurance? Give your other cars the Saga treatment too.

Find out more
Close up of a car charger about to be plugged in

Electric car insurance

If you’re thinking of driving towards a greener future, here’s what you need to know about electric car insurance.

Find out more

Saga Car Insurance cover at a glance

Saga Standard

Saga Standard is a straightforward Comprehensive cover that includes these features:

Saga Select

Saga Select gives you Comprehensive cover with some great features, such as:

Saga Plus

Saga Plus includes plenty of additional features. So all that's left for you to do is hit the road and enjoy the journey.

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 Saga Car Insurance today

What can we help with?

What is car insurance?

Car insurance will cover the costs if your car is in an accident, is damaged or stolen, is vandalised or catches fire. You must have motor insurance to legally drive your car on UK roads. If you drive without insurance, you could be liable to fines, be disqualified from driving or have your car seized.

What types of car insurance are there?

There are three different types of car insurance cover:

  • Third party insurance – covers damage to a third party, whether that’s another vehicle, a building or person - but not the cost of repairing or replacing your car.
  • Third party, fire and theft  – third party, plus cover for your vehicle following fire or theft.
  • Comprehensive  – covers damage to your car and its occupants, someone else’s car and its occupants, belongings inside your car, vandalism, and may give you a courtesy car if yours can’t be used due to an accident.

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.

What doesn't car insurance cover?

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:

  • 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 excess - the first amount of any claim that you have to pay

Do you need car insurance?

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:

  • You hold a valid Statutory Off Road Notice (SORN)
  • Your car has been kept off-road since before 1 February 1998
  • Your car has been scrapped, stolen or exported and you have given notice of this
  • Your car is between dealers or is being held in stock by an authorised dealer.

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.

How does car insurance work?

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:

  • What car you drive
  • How many miles you drive each year
  • Where you live
  • Your occupation
  • Your age
  • Your claims history
  • Whether your car has an alarm or immobiliser
  • Where you store your car at night

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.

Defaqto 5 star rated car insurance 2013-2024

Defaqto 5 Star rated car insurance

We are proud to offer five-star treatment every day with Saga Car Insurance – Defaqto 5 Star rated every year since 2013.

Why choose our car insurance

Saga offers comprehensive car insurance for the over 50s. Which includes the following:

3 year fixed price

You can expect to pay the same price for three years if nothing changes — even after making a claim, most customers renewal premium didn't go up, (only available with Saga Plus, our highest cover level T&Cs apply).

No admin fees

If you need to make a change to your policy mid-term we won't charge you a fee. And if you're a Saga Plus policyholder we don't charge cancellation fees either so you're not tied in.

New for old child car seat cover

We replace child car seats with a brand new one after an accident, even if there's no apparent damage to it.

Uninsured driver promise

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.

Protected No Claim Discount

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 the Saga Plus or Saga Select cover levels).

Get a quote

Car insurance FAQs

Here are some of our most frequently asked questions
Am I covered to drive in the EU?

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.

Find out more about driving in Europe.

Am I covered to drive other vehicles?

Yes, 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.

It's worth checking your Policy Schedule for any endorsements, as exclusions may apply due to certain occupations.

Does Saga insure electric cars?

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.

Is my windscreen covered if it's broken or damaged?

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.

What is your 3-year fixed price?

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.