ALL ABOUT SAGA COVER

Our breakdown cover offers reliable UK-wide breakdown cover 24 hours a day, 365 days a year. With five levels to choose from:

• Essential – Roadside repair, or recovery to the nearest garage when breakdown occurs at least 1/4 mile from your home address. Plus reimbursement of taxi costs to take you and your passengers up to 20 miles
• Home Call – Repair at home or roadside, or recovery to the nearest garage plus reimbursement of taxi costs to take you and your passengers up to 20 miles
• National Recovery – Roadside repair, or recovery to your home or a garage anywhere in the UK when breakdown occurs at least 1/4 mile from your home address
• 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, hire car or overnight accommodation
• Premier – All the above, plus cover for roadside repair and recovery in 55 countries and territories in Europe, and transport to your holiday departure point if you break down en route and we are unable to fix your car. Plus, if your car breaks down within 24 hours of your planned departure date in the UK, we'll arrange a hire car for up to 14 days so you can proceed with your trip.

Saga Essential, Home Call and National Recovery breakdown assistance is provided by RAC Motoring Services. Saga Comprehensive, Premier, Motorhome Assistance and Motorhome Assistance Plus breakdown assistance is provided by RAC Motoring Services and RAC Insurance Limited.

Legal Protection comes as standard with our Saga Plus cover level and can be added to a Saga Select and Saga Standard policy at any time.

If you are involved in an accident that's not your fault and was caused by a known insured third party, we will provide up to £100,000 towards costs for trained claims handlers to recover uninsured losses following an accident in the UK. We will cover claims as long as an independent legal representative believe you can win your case.

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

• Travelling expenses
• Loss of earnings
• Compensation for personal injury.

With Legal Protection you can also benefit from:

• Unlimited access to motoring legal advice for you and your family via our 24-hour confidential helpline
• Cover if you need to take legal action, or defend an appeal, against a motor trader in a dispute involving the purchase, servicing, or repair of your vehicle
• The option of a four-hour driver confidence course to help you get back in the driving seat if you have lost your confidence or if you have suffered an injury as a result of an accident in your car
• 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.

Saga Legal Protection is underwritten RAC Motoring Services.

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

Replacement Car Extension means we can also offer you a replacement car if yours is stolen or written off – keeping you mobile and giving you time to find and purchase a new vehicle.

Other benefits include:

• We will automatically extend the cover provided by this policy to the replacement car
• We also pay a £100 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.

Saga Replacement Car Extension is provided by Acromas Insurance Company Limited, which meets our high standards of quality and service.

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 from £5,000 up to £150,000 per person and covers a wider range of injuries. Other benefits include:

• Family members in your vehicle are also covered, and you and your named spouse/partner are even covered when driving borrowed vehicles
• £300 for a one-night hospital stay and £200 for each consecutive night, up to a total of 30 nights
• up to £2000 for physiotherapy, including whiplash
• Up to £1,000 for counselling therapy.

Increased Personal Accident cover is arranged and administered by Acromas Insurance Company Limited.

Key Protection is included with Saga Plus and an optional extra 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 Claim 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. Our specialist locksmiths are on-hand to help 365 days a year throughout the day and night. They carry 100s of picks enabling them to gain entry to all sorts of cars.

The average time to attend and gain access is 72 minutes. This includes all customers, so those with an immediate need, for example a child locked in a car, and those who aren't in a hurry, for example, they're out and ask the locksmith to attend when they're due home.

The locksmiths are also able to cut new keys on site from scratch or copy spare keys if available, saving you the time and effort of ordering new keys from a dealership. Our locksmiths can also dismantle locks and replace them on site with keys cut to fit, and they use specialist extraction tools to ensure no further damage is caused if a key is stuck in a lock.

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

Key Protection is underwritten by Fortegra Europe Insurance Company Ltd.