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Fully comprehensive car insurance

Be confident you’re covered with Comprehensive insurance
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Fully Comprehensive car insurance with a 3-year fixed price

When you want to enjoy the open road, but you know you need reliable insurance to give you the freedom you need, we make it easy to understand the ins and outs of Comprehensive car insurance. We spell out the basics so you can choose the right cover, tailored to you.

What is fully Comprehensive insurance?

Comprehensive insurance, also known as fully Comprehensive or fully Comp insurance, offers the highest level of protection for you and your vehicle.

  • If you damage your car, someone else’s car, or someone is injured in an accident, Comprehensive car insurance pays out regardless of who is to blame
  • As well as insuring you against fire and theft, it often includes cover for your belongings inside your car, a courtesy car to use if yours is being repaired after an accident, and vandalism cover
  • Exact levels of cover will depend on the policy you choose, so you should always read the policy details to ensure you choose the best cover to suit your needs.

Comprehensive cover isn’t always the most expensive option, although people often assume this; it’s always worth comparing quotes for different types of policy.

How does Comprehensive insurance differ from third party insurance?

As a legal minimum in the UK, in order to drive a car on the road you must have third party insurance.

This only covers damage to a third party, whether that’s another vehicle, a building or a person, and not the cost of repairing or replacing your car. Third Party, Fire and Theft also provides cover for damage to your car following fire or theft.

The difference between Comprehensive and third party insurance is that unlike third party, Comprehensive covers accidental damage to your own vehicle as well as to a third party.

Do you need Comprehensive car insurance?

Although you don’t legally need Comprehensive cover to drive your car in the UK, you should carefully consider the impact of not having it.

  • Without Comprehensive insurance, you’ll need to cover any costs of repair or replacement to your vehicle if it’s involved in an accident
  • Holding only the minimum cover for your vehicle means that this might cost you more at a later date, for example if you are involved in an accident where the fault isn’t clear.

Having the right Comprehensive car insurance gives you peace of mind against most issues, and certainly gives you more protection than other insurance options. It's a good idea to check your policy documents to make sure you have the cover you need.

What does Comprehensive insurance cover?

Comprehensive car insurance covers damage to yourself and your car, as well as paying a third party if you’re involved in an accident that is deemed to be your fault. You can also claim in cases where fault can’t be established.

At Saga we offer three levels of Comprehensive car insurance for over 50s, Saga Plus, Saga Select and Saga Standard.

  • Saga Standard is a straight-forward Comprehensive cover that includes our uninsured driver promise and up to 90 days EU cover.
  • Saga Select offers Comprehensive cover with some great features, including Protected No Claim Discount and our vandalism promise.
  • Saga Plus comes with lots of great features, including our 3-year fixed price offer so your premium won’t change unless you do (terms and conditions apply). And with Saga Plus, you’re free to cancel at any time with no cancellation fees to pay

Compare the three levels of cover:

Cover and benefits Saga Standard Saga Select Saga Plus
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. Yes Yes Yes
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 Yes Unlimited Unlimited
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. Optional Yes Yes
Vandalism promise – you won't lose your NCD if you make a valid claim for damage caused by vandals. Yes Yes
Misfuelling – Any loss or damage caused directly or indirectly as a result of accidentally filling your vehicle with the incorrect type of fuel. Yes Yes
Key protection – we'll cover up to £2,500 per claim, and with us, you will even get up to £50 for wear and tear. You won't have to pay an excess and your NCD won't be affected Optional Optional Yes
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. Yes
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) Yes

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.

Get a quote for Saga Car Insurance today.

What isn’t covered by Comprehensive car insurance?

Although Comprehensive insurance is the highest level of cover, there may be some things that still aren’t covered within a standard policy.

For Saga customers, Comprehensive insurance will not cover:

  • Your car being stolen when you’ve left it unlocked
  • Loss or damage due to war, terrorism, earthquake or radioactivity
  • Damage you or anyone named on your certificate of insurance has done deliberately
  • Your compulsory and voluntary excesses.

More information can be found in our Policy Books.

What affects the price of Comprehensive car insurance?

The more cover you request, generally the more it costs. You can choose the level of Comprehensive insurance you want based on your needs and add in optional extras if they are relevant.

All costs are determined by a number of factors including:

  • The type and age of the car you drive, and how many miles you drive in a year
  • Your age and years of driving experience, any history of driving convictions, and whether you have made previous insurance claims in the past
  • Where you live and work, where you store your car at night and whether it has an alarm or immobiliser
  • How much you agree to pay as a compulsory excess, plus any voluntary excess and optional extras you choose.

Find the Comprehensive cover that’s right for you.
Get a Saga Car Insurance quote today