Saga Car Insurance frequently asked questions

Saga car multi year Defaqto logo 2019

Need help? If you have a question about Saga Car Insurance, you may find the answer in our frequently asked questions section. We've made a list of all the questions that we are asked most often, and provided helpful answers as follows:

It is important for us to ensure that your personal data is kept secure at all times. By asking you a series of questions, we aim to ensure that we are only speaking to you, or someone with your authority acting directly on your behalf.

To cancel your policy please call our Customer Services team on 0800 056 9169. You will be entitled to a pro rata refund providing you have made no claims within the policy year. Please note that there will be an administration fee of up to £50 if you cancel your policy mid-term.

Some changes may require you to pay an administration fee of £25, please call us on 0800 056 9173 and one of our customer service advisors will be happy to answer any questions.
If you wish to make or enquire about a claim please see our How to make a claim section for further information. This gives more detail about what you need to do. Alternatively refer to your Policy Booklet for more information. Copies of the Policy Booklets can be found in our Policy booklets section.
Saga Services Limited
Middelburg Square
CT20 1AZ
If you are eligible, Protected No Claim Discount cover is included as standard. This means that your No Claim Discount will only be reduced if you have more than two 'fault' claims in three consecutive years of insurance.
If you have had the sole personal use of a company car (e.g. have had a car reserved for your own use both for work and for pleasure purposes) but have lost it due to retirement, change in position or due to changes in taxation laws, you will be allowed NCD in accordance with the number of claim free years immediately preceding the start date of your motor insurance policy. If this affects you please call us and speak to one of our customer service advisors.
We have a range of additional cover options to help you tailor our cover to your specific needs. See our Additional Cover Options section for more information.
You can view our latest Policy Booklets online under the Policy Booklets section.
We may ask you to provide proof of your No Claim Discount entitlement. Originals or photocopies are acceptable in the following forms:

Previous insurer’s Renewal Notice; or
No Claim Discount letter or card.
Broker's proof
Continuous Insurance Enforcement is motor insurance law that has been introduced in England, Scotland and Wales, to ensure that all vehicles are either insured, or have been registered as ‘off road’ with a Statutory Off Road Notification (SORN). If your vehicle isn’t used on a road or other public place, you do not need to buy insurance for it if you have made a SORN declaration. So if you usually put your car away for the winter and cancel your car insurance, or if it's off-road and on private land for some other reason, make sure you submit a SORN, otherwise you may face a fixed penalty fine, court prosecution, or having the vehicle seized and destroyed.
No Claim Discount (NCD) is an earned discount that is applied for every year that a driver has insurance on a car without making a claim.

We are committed to protecting honest policyholders so if false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering (further details can be found within our preventing fraud page).

You do not need a Green Card if you are driving in the European Union. If you are thinking of visiting a country outside of the European Union, please call us on 0800 056 9173 and one of our customer service advisers will be happy to answer any queries you may have.

Please click here for a list of countries that we automatically provide cover for driving in.
We have a nationwide repairer network, who guarantee to provide you with a replacement car while they fix yours. All of our repairers guarantee their work for five years, and will ensure that your car is cleaned before returning it to you.

Once the cheque has been processed, we will send you an acceptance letter. This normally takes between three and five working days.

You will be notified 21-28 days prior to the date your policy is due for renewal. You can renew your policy by calling the renewal hotline on 0800 056 9169. If you pay by Direct Debit or gave us a continuous authority on your credit card, your policy will automatically renew without you having to do anything. Your documents will be sent to you approximately ten days before renewal. Please contact us prior to your renewal date if you wish to renew using a different payment method.
You should automatically receive your documents at least 21 days before your renewal date. Your new price should be available 25 days before the renewal date for you to make changes to your policy.

To retrieve a saved quote click here and follow the instructions to log into your MySaga account. Alternatively you can contact us on 0800 015 0756.
It is most important that you tell us immediately of any changes that occur since the insurance started or since the last renewal date. If you do not it is possible that a claim will not be covered. If you are in any doubt whether a change needs to be advised, please contact our Customer Service team on 0800 056 9173.
You should receive them within three to six working days, they can also be retrieved online on MySaga, click here to log into your account.
To add another driver or temporary driver please contact our Customer Service team on 0800 056 9173.
If available, and shown on your Certificate, the policyholder may drive, with the consent of the owner, a motor car not owned by and not hired under a hire purchase or self-drive hire agreement to the policyholder.
Commuting is required if you are driving yourself or another person during any part of your journey to work - i.e. if you drive to the station and then take the train to work, you need to have commuting on your policy. Commuting cover includes spouses but is unavailable for named drivers.