Mercedes Car Insurance | Saga Car Insurance

Saga car insurance can cover Mercedes SUVs, convertibles, coupes and more.

Top-of-the-range Mercedes cars come with voice recognition, massage seats and an air purification system. The latest models feature exclusive leather upholstery, LED ambient lighting and a Burmester surround sound system as standard. So naturally, you’ll want to choose the right insurance for your Mercedes-Benz car.

A little bit of Mercedes-Benz history

Established in 1926, Mercedes-Benz, known simply as Mercedes, is a luxury German car manufacturer. The Mercedes-Benz AG headquarters is in Stuttgart but Mercedes-Benz World, which opened its doors in 2006, is much closer to home.

The popular UK visitor attraction at the historic Brooklands motor racing circuit in Weybridge offers driving experiences, racing simulators and rides for children.

What insurance do I need for my Mercedes?

It’s a legal requirement to have car insurance in the UK, so at the very least, you will need third party car insurance for your Mercedes. This will cover you for damage to a third party, either another vehicle, building or person. Adding a fire and theft policy will also cover the cost of repairs or replacement of your car up to the market value.

For top level Mercedes insurance, choose a Comprehensive car insurance policy, which will cover you, your passengers and belongings inside your car as well as covering the third party. Depending on the policy you may be covered for trips abroad and vandalism as well.

Is insurance higher on a Mercedes?

Insurance for luxury cars tends to be on the more expensive side. The cost of your Mercedes car insurance will depend on which car you drive. To check the value of your Mercedes, simply enter your car registration and mileage on the Mercedes-Benz website.

The Mercedes-Benz A-Class falls within insurance groups 17-37. The more powerful Mercedes cars, such as roadsters and coupes will attract a higher price tag. This is because sought-after car models can be targets for thieves and vandals and sports cars that reach higher speeds may run a greater risk of collision.

What Mercedes model is most expensive to insure?

You can expect to pay the highest level of insurance for the Mercedes S-Class Sedan. Top of the list is probably the Maybach S-Class Haute Voiture with its colour block high fashion styling in navy blue and rose gold, which is limited to just 150 models.

The Haute Voiture comes with a gift box containing a scale model of the car, a keyring and a badge. You also get complimentary rose gold coloured champagne flutes and if you have any spare change left over, you can even get a handbag to match the crystal white leather interior.

By contrast, less powerful and more compact Mercedes models – such as saloons and hatchbacks – will often have more affordable Mercedes insurance.

What else can affect the cost of my Mercedes insurance?

Aside from the model of your Mercedes car, your insurance premiums will be calculated based on other factors such as:

Your driving history and experience, particularly of driving a similar Mercedes car.
Your home address, including data on crime and the number of accidents in your area.
The security of your vehicle, such as alarms and locks, plus if it’s kept in a secure garage or gated driveway.
Your annual mileage.
Your work status. If you do a regular commute, you may be deemed to be a higher risk.

Can I reduce my Mercedes car insurance premiums?

Maintaining an exemplary driving record and keeping the mileage low, can help limit the amount you pay. There may be additional measures you can take to reduce the amount you spend on Mercedes car insurance. It may help to add an experienced driver to your policy, pay annually or increase your excess.

You could also fit extra security or safety features such as Autonomous Emergency Braking (AEB) or collision warning technology.

Can I get insurance if my Mercedes is a classic car?

You may be able to insure your classic Mercedes car with us but we do not have a specific classic car policy with an agreed value. If you’d like to know more about the advantages of taking out Saga Car Insurance for your classic Mercedes, please give us a call on 0800 302 9735.

Are there any add-ons I can get with my Mercedes insurance?

If you’re looking to get some extra features to complement your Mercedes car insurance, here are some add-ons you could consider:

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.