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Saga Car Insurance

High levels of cover for the over 50s – with our 3-year fixed price. If nothing changes, neither will your price.

Recommended provider Which? Car Insurance March 2020

Over 50s' car insurance

Welcome to Saga Car, our car insurance cover level that comes with a 3-year fixed price. The price you pay this year will be fixed, as long as nothing changes, for the next two renewals.

Your price may be locked in for three years, but it’s not a three-year policy - you can choose to leave at renewal if you wish.

Find out how our fixed price cover works.

Saga Car - Comprehensive insurance with a difference

  • Onward Travel - get to your UK destination by taxi if your car’s too damaged to continue your journey after an accident in the UK
  • Receive eligible private medical treatment if you or your spouse/partner is injured in a road traffic accident in the UK
  • Legal protection to help you recover uninsured losses – such as loss of earnings after an accident that’s not your fault in the UK, if the legal team believes your case can be won.

View our terms and conditions and read more about our fixed price cover. Or, check your price now.

Which? Recommended Provider of car insurance

In March, Saga was one of just four companies to be named a Which? Recommended Provider of car insurance for 2020. Consumer champion Which? only endorses the best products and services. Providers must achieve a high customer score and an average or above policy score to qualify for Which? Recommended Provider status.

Saga Essential – Comprehensive cover with no fixed price

We also offer Saga Essential, a Comprehensive cover level that comes with fewer features than Saga Car and doesn't include a 3-year fixed price. With both our Saga Car and Saga Essential cover levels you can benefit from:

  • Emergency any driver cover - if there’s a medical emergency during your journey, any driver can take over the driving or take your car back home
  • Unlimited European driving – benefit from the same level of cover within the EU as you have in the UK for an unlimited time.

Compare our two cover levels below:

Cover and benefits Saga Essential Saga Car
3-year fixed price – if nothing changes over the next three years, neither will the cost of your policy. T&Cs apply No Yes
Uninsured driver cover – if an uninsured driver hits your car, through no fault of yours, as long as you supply their vehicle registration and the accident details we'll refund any excess paid and your No Claim Discount won't be reduced Yes Yes
Legal Protection– we'll cover up to £100,000 of legal costs to recover uninsured losses after a non-fault accident in the UK if the legal team believes you can win your case Optional Yes
Onward travel– if the damage to your car means you can’t continue your journey after an accident in the UK, we’ll offer to arrange a taxi to take you to any necessary UK destinations No Yes
Accident Healthcare cover – we’ll provide you and your spouse/partner with eligible private medical treatment up to £1,000,000 if you’re injured in a road traffic accident in the UK. No Yes
Protected No Claim Discount – if you have four or more years’ NCD, we’ll protect it against two fault claims in a three-year period Yes Yes

Who are Saga's car insurance policies underwritten by?

Saga’s car insurance policies are unique products designed by us specifically for our customers. They are underwritten by a number of carefully selected insurers that, like us, are committed to providing high standards of quality and service.

Saga Car and Saga Essential reviews

What do our customers say about Saga's car insurance? Read their Trustpilot reviews:

Our Trustpilot score is based solely on customer reviews and is a combined score for all our insurance products.



Frequently asked questions

Yes, both Saga Essential and Saga Car cover levels include cover for driving in Europe for an unlimited period of time.

We’re currently in a post-Brexit transition period until 31 December 2020, during this time, all the existing rules for travel within Europe still exist. This means that until 31 December 2020, you do not need a green card to drive in the EU.

However, this may change for 2021 and beyond. So, if you’re travelling with your car to the EU from 1 January 2021, you can request a green card by calling us on 0800 056 1472.

Previously, green cards had to be printed on green paper to be valid but from 1 July 2020 those rules were changed to allow insurers to provide green cards on white paper. So please don't be alarmed if your green card arrives and it's not green — it's still valid and will be accepted by foreign officials.

When you are travelling, you must have a paper copy of the green card; digital versions are not acceptable, so for example, a photo of a green card on a phone won’t be accepted.

For more information, including a list of countries that we provide cover for driving in, visit our European cover page.

You are covered 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.

If you have a Comprehensive policy, windscreen cover is included and will not affect your NCD. This means that if you use one of our approved repairers and they can repair your windscreen there will be no charge.

If your windscreen needs replacing, and you use a Saga approved repairer, you'll have to pay a £75 excess.

Different terms apply if you choose an alternative glass repairer to those that are approved by Saga. For more information, check the Broken Glass section of your Policy Book.


Our Comprehensive policies include cover against uninsured drivers as standard. This means that if an uninsured driver hits your car, through no fault of yours, as long as you supply their vehicle registration and the accident details, we’ll refund any excess paid and your NCD won’t be affected.

Our Comprehensive policies include cover for vandalism as standard, which means if you make a valid claim under vandalism damage it will not affect your NCD.


Yes. If you or anyone else named on the policy has had any motoring convictions in the last five years, this will need to be recorded on your policy. You will need to provide the date of the conviction and the conviction code, which can be obtained from the DVLA website. Please give us a call on 0800 302 9735 and one of our customer service advisers will be happy to help.


It is possible to insure multiple cars with Saga at one time, on separate policies. Although we don’t offer a specific multicar policy, insuring more than one car with Saga can keep things simple for you and be more convenient. Please note that your No Claim Discount, if you have one, can usually only be used on one policy at a time.

If you’d like to insure multiple cars with Saga, please call us on 0330 094 6611 for the best price. Alternatively, you can get a quote online for each individual car.