Car insurance

Yes, you and any drivers named on the policy are. Both Saga Select and Saga Plus include cover for driving in EU countries for an unlimited amount of time. Saga Standard includes cover to drive in the EU for up to 90 days in any policy year. We also include some other countries – check which countries are covered.

For most countries we cover, you don’t need a green card anymore.

Find out more about driving in Europe.

Yes, you are insured to drive other cars that you don’t own or that isn’t insured by you or your spouse or partner, but only on a third-party basis.

Third-party is the most basic level of car insurance, and means that if you have an accident that’s your fault, your insurance will only cover the cost of repairing the other person’s car and their medical expenses. Damage to the car you’re driving or any injuries to you won’t be covered.

You’ll also need to have the permission of the car’s owner to drive it, and it must have car insurance in its own right.

Yes, we include windscreen cover with Saga Plus, Saga Select and Saga Standard. And if you claim for this it won’t affect your No Claim Discount.

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

If your windscreen does needs replacing, and you use a Saga approved repairer, you’ll have to pay a £75 excess (£100 excess with Saga Standard).

Different T&Cs apply if you use someone we haven’t approved – you can find more about this in 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.

Yes, you are. Our Saga Plus and Saga Select Comprehensive policies include cover for vandalism as standard. And any valid claims you make for vandalism damage won’t affect your No Claim Discount.

Saga Standard policies will cover you for the damage caused by vandalism, but this may affect your No Claim Discount and could be subject to a policy excess.

You must tell us about any driving offences you’ve been convicted of in the last five years (this also applies to anyone named on your policy). This includes fixed penalty notices for offences like speeding, driving without due care, and drug or alcohol-related convictions. You’ll need to give us the date of the conviction and the conviction code – you can find these on the gov.uk website. Please give us a call on 0800 302 9735 if you need to do this.

If you’ve been caught speeding and since been on a speed awareness course, you don’t have to declare a conviction. You also don’t need to tell us about parking tickets (also known as penalty charge notices).

Yes, you can have more than one car insurance policy in your name because you might own more than one car and choose to take out a separate policy for each.

It is possible to insure multiple cars with Saga at the same time on separate policies. Although we don’t offer a specific multi car policy, you could benefit from the Saga Multi Car Discount on each additional vehicle you insure with us. Plus, 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.

To find out more and for full terms and conditions, see our Multi Car Discount page.

Different insurers take different approaches. If you need to take out a full policy, you’ll need to make sure the insurance company knows that you’re not the owner or registered keeper of the car. Not all insurers will cover you if you’re not the registered keeper.

If you just need temporary cover, for example to test drive a car being sold privately or you need to drive a family member’s car, you have a few of options:

1. Add the car temporarily to an existing policy that you have in place for your current car
2. Take out temporary insurance with a specialist temporary cover provider
3. Become a named driver on the owner/registered keeper’s policy.

Your car does not need to have a valid MOT in order for you to get car insurance. However, if your car doesn’t have a valid MOT certificate, it might invalidate your insurance policy, so you wouldn’t be covered if you need to make a claim.

You must not drive on the road without a valid MOT unless you’re driving to a pre-booked MOT appointment, or your car is less than 3 years old, or otherwise exempt.

No, a car has to be insured before you can tax it. When you buy car tax online, or at the Post Office, the DVLA’s Motor Insurance Database will automatically detect if the car is insured and has an MOT, if necessary.