FULLY COMPREHENSIVE CAR INSURANCE

Having fully comprehensive insurance on your own car doesn’t automatically give you the same level of cover on any car.

With Saga Comprehensive Insurance, cover is provided to drive other cars not owned or insured by you or your spouse/partner, on a third-party basis, provided you have the owner’s permission and the vehicle has insurance in its own right. Make sure you check your documents first, as exclusions may apply due to certain occupations.

Saga policies cover you for theft and damage caused by attempted theft, unless:

• your vehicle is not fully locked and secured
• the keys and/or any other device(s) that unlock and/or start your vehicle are in, on or next to your vehicle while it is left unattended and/or unoccupied

Not all policies are the same, but most will offer financial protection against fire, theft and accidental damage, plus liability for damage to third party vehicles and their occupants.

You will likely also be covered for personal injury, windscreen damage and personal possessions. You may also get cover for a courtesy car, breakdown cover or a number of optional extras such as legal cover.

Saga Standard includes our uninsured driver promise and up to 90 days European driving with optional Key Protection, Increased Personal Accident, Legal Protection and Replacement Car Extension for Theft and Total Loss.

Saga Select includes Protected No Claim Discount, our vandalism promise and unlimited European driving with the same optional extras as Saga Standard.

Saga Plus has lots of great features as standard, and with a 3-year fixed price:

• Onward taxi travel – if you have an accident in the UK and your car's too damaged to drive, we'll arrange a taxi to take you anywhere in the country — with as many stops as you need
• Medical treatment after an accident – if you (or your spouse or partner) is injured in a road accident in the UK, we'll organise eligible private medical treatment for you to to £1 million
• Legal protection – up to £100,000 to help you recover uninsured losses (for example compensation for an accident in the UK that wasn't your fault), as long as an independent legal representative thinks you can win the case
• Key protection – we'll cover up to £2,500 per claim, including up to £250 for wear and tear. There's no excess to pay and claiming won't affect your NCD
• Emergency any-driver cover – if you have a medical emergency during a journey, any driver can take over or bring your car back home
• Unlimited European driving – you're also covered when you're driving in the EU (some restrictions apply).

Windscreen cover is included with Saga Plus, Saga Select and Saga Standard. And if you claim for this it won’t affect your No Claim Discount.

As long as you use one of our approved repairers, and they don’t need to replace your windscreen, with Saga Plus and Saga Select you won’t even have to pay for it (Saga Standard has a £25 excess for repairs).

If your windscreen does need replacing, and you use an approved repairer, with Saga Plus and Saga Select you will only pay a £75 excess (£100 excess for Saga Standard).

Insurance providers look at a number of different factors to determine the price of comprehensive insurance premiums. These include your address, occupation, annual mileage, driving history and car.

By using the information you supply to them, insurers determine how much of a risk you pose to them and so how much it will cost to insure you.

You can get a personalised Saga Car Insurance quote online.