CAR INSURANCE ADDITIONAL COVER OPTIONS

Breakdown cover

To help keep you on the road, breakdown cover can be added to your policy. It offers reliable cover 24 hours a day, 365 days a year and, with a range of cover levels, you can choose the cover that’s right for you:

• Essential – If you're over a quarter of a mile from home, you'll get roadside assistance or breakdown recovery to the nearest garage within 10 miles. Plus, we'll reimburse you for a taxi up to 20 miles to get you and your passengers to a safe place
• Home Call – Whether you're at home or at the roadside, you'll get assistance or breakdown recovery to the nearest garage within 10 miles. Plus, we'll cover the cost of a taxi for up to 20 miles to get you and your passengers to a safe place
• National Recovery – If your car can't be fixed at the roadside, we'll take you and your passengers to a destination of your choice within the UK, whether that's your home, to a garage of your choice or another intended destination.*
• Comprehensive – Repair at home or roadside, or recovery of your car, you and your passengers to your home or a garage anywhere in the UK. Plus, if your car can't be repaired by the end of the day, you'll be covered for either a hire car, alternative transport or overnight accommodation
• Premier – All the above, plus breakdown cover in 50 countries in Europe and their offshore islands. In addition, transport to your holiday departure point if you break down on route and we're unable to fix your car. If your car breaks down within 24 hours of your planned departure date in the UK and can't be fixed within 24 hours, we'll arrange a hire car for up to 14 consecutive days, so you can proceed with your trip.

*When breakdown occurs at least 1/4 mile from your home address.

Legal Protection

Legal Protection comes as standard with our Saga Plus cover level, but can also be added to a Saga Select or Saga Standard policy at any time, view more information on our car insurance cover levels.

If you are involved in an accident that's not your fault and was caused by a known third party, we will provide up to £100,000 towards costs for trained claims handlers to recover uninsured losses following an accident. We will cover claims as long as there is a 51% or above chance that you will win your case.

Our trained claims handlers seek recovery for any uninsured losses from a third party such as:

• Excess recovery
• Compensation for personal injury
• Loss of earnings
• Travelling expenses

With Legal Protection you can also benefit from:

• Access to 24-hour telephone advice helpline on any personal motor legal matter, including Vehicle identity theft
• Cover if you need to take legal action following a dispute with another party regarding the sale, purchase, servicing, testing, hire or repair of your vehicle
• The option of four hours of driver confidence coaching per policy year to be taken as agreed between you and an instructor of your choice if you need a confidence boost – for example following a motoring accident or if you've been unable to drive due to medical reasons
• Up to £100,000 for vehicle cloning claims
• Up to £10,000 of legal costs in respect of any legal claim to pursue the recovery of illegal clamping or towing fees relating to your vehicle.
• Cover to help defend a prosecution brought against you if you are required to attend court regarding an alleged motoring offence.

Replacement car for theft and total loss

Our policies include a courtesy car as standard if an approved repairer is repairing your car following an accident in the UK.

For an additional cost you can add Replacement car for theft and total loss to your policy. With this cover we can also offer you a replacement car if yours is stolen or written off, keeping you mobile.

We also include a £200 cash benefit, which could help towards things like replacement car delivery costs or pre-purchase vehicle inspections. There are no restrictions on what you choose to spend the money on though; the pay-out is automatic and there’s no need to send in any receipts.

Increased Personal Accident

Regardless of whose fault it is, if you or your named spouse/domestic partner are seriously injured as a result of an accident involving your car, our Comprehensive policies include £5,000 compensation for selected serious injuries as standard.

Increased Personal Accident extends cover for serious injuries or accidental death from £5,000 up to £150,000 per person. Although it’s unlikely you'll ever need to make a claim, if the worst does happen the benefit paid out could be substantial and help to compensate for things like loss of earnings, making adjustments to your home, or even just to help paying for things like taxis to medical appointments.

In addition, this optional cover also includes cover for a wide range of smaller injuries, such as a broken wrist, ankle or nose. Emergency dental treatment is also covered, as is counselling therapy, and you even get £300 if you spend a night in hospital, with £200 for each consecutive night, up to a total of 180 nights.

Family members in your vehicle are also covered, and you, your spouse/partner and any named driver are even covered when driving borrowed vehicles.

Key Protection

Key Protection is included with Saga Plus and is optional cover for Saga Select and Saga Standard.

We'll cover up to £2,500 per claim and, with us, you even get up to £250 for wear and tear. You won't have to pay an excess and your no claims discount won't be affected.

Key Protection covers a wide variety of scenarios, from loss, theft and accidental damage to keys locked inside a car or house, or keys stuck in locks.

We’re also able to arrange overnight accommodation and onward travel if you can't use your car.