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All about our car cover
Find out more about our car insurance cover levels and additional cover options so you know what you are covered for.
All about our car cover
Cover at a glance
The below table shows the key features of our Saga Select and Saga Plus cover levels. If you do not know what cover level or additional options you have chosen you can find this in your policy documents.
More information can be found in our car insurance Policy Book. If you are on our Saga Standard cover, please see the policy book for cover features.
| Features and benefits | Comprehensive: Saga Plus | Comprehensive: Saga Select | Third party, Fire & Theft | Third Party Only |
|---|---|---|---|---|
| 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. | Yes | Yes | Yes | Yes |
| Emergency any driver cover– If there’s a medical emergency during your journey, any driver can take over the driving or take your vehicle back home. | Yes | Yes | Yes | Yes |
| Cover for trips abroad– You can drive in the EU for an unlimited period with the same level of cover as you have in the UK. | Yes | Yes | Yes | Yes |
| Unlimited audio/visual cover – Permanently fitted equipment is covered against fire and theft. (accidental damage also included for Saga Plus and Saga Select). | Yes | Yes | Yes | No |
| Vandalism cover – You won’t lose your NCD if you make a valid claim for damage caused by vandals. | Yes | Yes | No | No |
| Uninsured driver cover – 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. | Yes | Yes | No | No |
| Guaranteed replacement car – We’ll give you a replacement car while yours is being repaired after an accident anywhere in the UK, or until it’s declared a total loss (if you use our repairer network). | Yes | Yes | No | No |
| Windscreen and windows cover – You won’t lose your NCD and are also covered for the realignment and/or calibration of sensor equipment. There’s no excess to pay if our approved repairers can repair the glass. If replacement is needed, you pay the standard glass excess. | Yes | Yes | No | No |
| Personal accident cover – We’ll provide £5,000 for certain injuries you sustain in an accident involving your vehicle. | Yes | Yes | No | No |
| Emergency accommodation/get you home cover – If you’re stranded after an accident, we’ll provide up to £500 per incident for accommodation or travel expenses. | Yes | Yes | No | No |
| Personal belongings cover – We’ll provide up to £1,000 for items carried in your car, such as phones, laptops, glasses and clothing (up to £1,500 for motorhomes – other limits apply depending on the item, see your Schedule for details). | Yes | Yes | No | No |
| Two year new for old cover – If you’ve owned your vehicle from new and it’s up to a year old, we’ll replace it with a brand new one if it’s written off. Vehicles between one and two years old are covered up to 12,000 miles. | Yes | Yes | No | No |
| Child car seat cover – We’ll replace your child car seat with a brand-new one following an accident even if there is no apparent damage to it. | Yes | Yes | No | No |
| Medical expenses cover – We’ll provide up to £300 per person for medical expenses following an accident involving your vehicle. | Yes | Yes | No | No |
| Legal Protection – We’ll cover up to £100,000 of legal costs for accidents in the UK that are not your fault, if the legal team believes there is more than 51% chance of success. | Yes | Optional | Optional | Optional |
| Accident Healthcare cover – We’ll provide you and your spouse/partner with eligible private medical treatment if you’re injured in a road traffic accident. (See separate Policy Book). | Yes | No | No | No |
| Onward taxi travel – If you can’t use your vehicle after an insured incident in the UK, we’ll provide onward travel by taxi to any destination in the UK. | Yes | No | No | No |
| 3-year fixed price – if nothing changes over the next three years, neither will the cost of your policy. T&Cs apply. | Yes | No | No | No |
It’s the little things that make a big difference
Our Comprehensive cover is rated 5 Star by Defaqto, this means that Saga offers one of the most comprehensive car insurance policies on the market. There are lots of little details that make our cover great, so it is important that you read your policy documents so you know what you are covered for.
Did you know…
- We pay £500 if you or your spouse/domestic partner are physically assaulted as a result of an aggravated theft or attempted theft of your vehicle; or following an accident involving your vehicle
- We increase the limit on our personal belongings cover on our Comprehensive cover to £2,000 during the month of December to cover the gifts you buy and the gifts you receive.
Things you can do online
You may be able to do things and get the answers you need quickly and easily online.
- View your documents - With an online MySaga account you can look at your renewal notifications, past quotes, current policy documents and more
- Update your car insurance - You can now make some amendments to your policy at MySaga, such as increasing or reducing mileage and informing us of a change of use
- Chat online - Click on the web-chat icon on this page or on any page of our website to search for answers to your questions. Or send an instant message directly to one of our team and they'll get back to you. Chat with us now
- Renew online - You can renew a Saga car or home policy safely and securely at MySaga. However, if you need to change your details or get a different cover level, please contact us
- Manage your preferences - The easiest way to keep in touch with us is via email. Keep up-to-date with the latest news, customer offers and rewards from Saga. You can let us know which products and services you'd like to hear about and how you'd like us to contact you by managing your preferences.