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Give all your cars at home the Saga-quality cover

What is multi car insurance?

Saga Multi Car Insurance has a choice of three Defaqto 5 Star rated Comprehensive cover levels, just like our usual car insurance – it just means you can easily insure more than one vehicle at your address.

You can keep all policies together in one MySaga account or use separate accounts if you choose to set up the policies in different names. There will be separate renewal dates, and you’ll earn No Claim Discount (NCD) on all vehicles individually.

How does Multi Car Insurance work?

If you already hold an existing motor policy with us, anyone in your household who has a car may benefit from our multi car insurance policy as long as they’re 50 or over.

The different vehicles need to be insured at the same address, but do not need to be insured by the same person.

Do you need Multi Car Insurance?

Multi car insurance is ideal for households with more than one car registered to that address. So if you and your partner have a car each, then multi car insurance is the perfect option for you or anyone living at your address.

The benefits of Multi Car Insurance with Saga

  • Separate renewal dates – so you don’t have to pay for all the policies at once.
  • You can keep all policies together in one MySaga account or use separate accounts if set-up in different names.
  • Earn No Claim Discount (NCD) on all vehicles separately.
  • Get a quote online or over the phone without needing the existing policy details to hand. Our systems recognise additional vehicles insured at the same address.
  • A choice of different cover levels for each vehicle.
  • Friends, flatmates and family living at the same address can all benefit.
  • Payment choice – you can choose to pay annually or by monthly Direct Debit. Monthly Direct Debit is subject to eligibility criteria and interest will be charged.

What does Multi Car Insurance cover?

It gives you exactly the same cover as any of our three different levels of Comprehensive car insurance. Depending on the policy you’ve chosen, this can include:

  • Uninsured driver promise

  • Cover for trips abroad

  • Protected No Claim Discount (NCD)

  • Vandalism promise

  • Misfuelling

  • Key protection

  • 3-year fixed price, if nothing changes. T&Cs apply

What doesn’t Multi Car Insurance cover?

Unfortunately, we can’t cover everything. Check the policy book to make sure you’re happy with what’s not covered, including:

  • Damage to tyres by road punctures or bursts
  • Electrical breakdown
  • Wear and tear
  • Loss of value

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.

More than one car to insure?

  1. Get a quote for another vehicle by phone or online
  2. As long as there’s another car already insured by us at the same address, the second car could be eligible for a Multi Car Discount with Saga.

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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.
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.



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.


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

Get a quote for your cars with Saga today