Frequently asked questions
Do you have a question about Saga Car Insurance? Here are some questions we are frequently asked about our car insurance.
If you can't find the answer you are looking for, you can chat to our online team who will be happy to help.
My car insurance cover
Yes, both Saga Car and Saga Essential cover levels include cover for driving in Europe for an unlimited period of time. While you’re in one of the countries that we cover as standard, you’ll benefit from the same level of cover as you get in the UK.
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 you do not need a green card to drive in the EU, although this may change for 2021 and beyond.
See our European cover page for more information and for a list of the countries that we provide cover for driving in.
We now offer 3-year fixed price on our Saga Car cover level. This means we’ll fix this year’s price for the next two renewals, so if you choose to stay next year and there have been no changes, your price will be the same. You can leave at renewal and make amendments to your policy, such as changing your vehicle. View terms and conditions and find out more about our 3-year fixed price.
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.
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 an imported vehicle as long as the car meets our specific criteria:
- The vehicle must be imported from Europe
- It must have been built to a UK or EU specification and have been modified for use in left-hand drive traffic
- The vehicle must appear on the ABI vehicle listing
Whilst we do not offer a specific classic car policy with an agreed value, we do not have a vehicle age limit and may be able to insure a classic car under our normal policy terms. If you have any questions about insuring an imported or classic car, please call us on 0800 302 9735 and one of our Customer Service advisers will be happy to help.
We do not need to know about any health issue or medical condition as long as the DVLA have not restricted or removed your licence.
Yes, subject to acceptance criteria. You can add a temporary driver or vehicle to your policy for up to a total of 28 days. The additional vehicle must be legally owned. Additional drivers can also be added on a permanent basis if this is more suitable. Please give us a call on 0800 302 9735 and one of our Customer Service advisers will be happy to help.
Yes, while your vehicle is being used for voluntary work in connection with a UK-registered voluntary or charitable organisation as long as you receive no financial gain and it is voluntary.
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, you will have to pay a £75 excess if you use an approved repairer. If you choose to use an alternative repairer, you will have to pay an excess of £75; after which, we will only cover you up to a maximum of £100 for the repair. Please call us on 0800 092 3304 and one of our Customer Service advisers will be happy to help.
Panoramic sunroofs are not covered under glass claims so please call us on 0800 001 5424 for assistance.
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.
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.
No Claim Discount
No Claim Discount (NCD) is earned by the policyholder on each individual vehicle that is insured under a policy. One years' NCD is earned for each year you hold a policy without making a fault claim, in accordance with our current NCD scale.
If you have provided the details of your previous insurer, we will attempt to contact them to confirm your entitlement to a No Claim Discount (NCD). Please be aware that not all insurers will validate NCD over the phone. If we cannot confirm your NCD, we will write to you asking for written proof.
Originals or photocopies are acceptable in the following forms:
- Previous insurer's renewal notice
- NCD letter or card
- Broker's proof.
Written proof must clearly show names and dates.
You can email your NCD directly to us.
Alternatively, your proof of No Claim Discount can be sent to:
Saga Services Limited, NCD Validation, Middelburg Square, Folkestone, Kent CT20 1AZ.
You can contact our Customer Service team for further information on 0800 302 9735.
If you are eligible, Protected No Claim Discount cover is included as standard. To be eligible you must have four or more years' NCD, even if you have had a fault claim in the last three years. 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 before the start date of your motor insurance policy. If this affects you please call us and speak to one of our Customer Service advisers on 0800 302 9735.
Your NCD will be valid for two years after the end of your last policy, provided it is not being used on another policy.
Evidence received from any European Union member country is acceptable.
No Claim Discount earned in any other country outside of the EU will only be considered if the insurer concerned is a branch of an established UK insurance company.
Getting a quote
Our monthly or annual premiums can be paid by Direct Debit, subject to a credit check. In addition, annual premiums can be paid by debit or credit card, or by cheque, which incurs an additional £3 charge.
All cheques should be made payable to Saga Services Limited, Middelburg Square, Folkestone, Kent CT20 1AZ.
We automatically send an email with a link to your documents so that you can review and download them at any time. They will be added to your MySaga account within 24 hours. If you would prefer your documents to be sent out to you in the post, you should receive them within three to six working days.
No. All our Saga policies are for 12 months. However, we do offer temporary cover for both vehicles and drivers which can be added to an existing policy. Call us on 0800 302 9735 to find out more.
Saga's range of insurance products is designed specifically for our customers and is unique to us. Saga Car Insurance is provided by a number of insurers who all meet our high standards of quality and service.
What happens if I need to make a claim?
If you wish to make or enquire about a claim, please call us on 0800 001 5424. Make sure you have your policy number, personal details and claims information to hand and our claims assistants will deal with your claim as soon as possible. We also recommended keeping hold of any receipts or photos in case they are lost. If you would like more information, please visit our how to make a claim section. Alternatively, you can refer to your policy book (make hyperlink) to make sure you are covered for the type of claim.
If the vehicle needs to be repaired our insurers have a nationwide network of partnership repairers.
Partnership repairers ensure a high standard of service and provide high quality repair work, with a five year warranty. Their quality is constantly under review by our own team of engineers. However, if the vehicle is three years old or more and is outside the manufacturer’s warranty period, we may decide to fit replacement parts which have not been made by the car’s manufacturer but are considered of a similar standard.
You will get a courtesy car as standard if your car is being repaired by an approved repairer following an accident within the UK.
Additionally you can choose to add our replacement car extension cover to your policy. This will provide you with a replacement car if yours is stolen or written off in the UK – keeping you mobile and giving you time to find and purchase a new vehicle.
I need to make a change, renew or cancel my policy
You will be sent a renewal invite at least 21 days before your renewal date. You can renew your policy by calling us on 0800 056 9169. If you pay by Direct Debit, or set up a continuous payment when you took out your policy, we will automatically renew it for you.
If you need to change your vehicle, please call us on 0800 302 9735 and one of our Customer Service advisers will be happy to help. You will need to provide the following:
- The legal owner of the vehicle
- Registration number
- Engine size (cc)
- Year of manufacture
- Vehicle value
- Any modifications
- Where the vehicle is kept overnight.
You will also need to confirm the level of cover required and that the annual mileage is appropriate for your everyday needs.
If you have Saga Breakdown Assistance, we’ll update this too so this can be applied to the new vehicle.
If you change your vehicle, there will be an administration charge of £25. The change may also affect the cost of your insurance for the remaining time of your policy so an additional premium may become due.
If you need to change the address on your policy, please call us on 0800 302 9735 and one of our Customer Service advisers will be happy to help. Please have the following to hand when you call:
- The new address
- Where the vehicle is usually kept overnight
- Confirmation that cover level and mileage is still adequate.
There will be a mid-term adjustment charge of £25.
At Saga, we strive to ensure that our customers are treated fairly. If you are dissatisfied with a service or product we have provided, we will take your concerns very seriously. It is therefore important to us that our process for handling your concerns is clear and transparent and that you are kept fully aware of how your complaint is progressing.
For more information, and to make a complaint, please visit our complaints page.
We hope you never have cause to cancel your policy and we will always strive to resolve any concerns or issues you may have. However, if you want to cancel your car insurance, please call us on 0800 056 9167.
Cancellation - Before the policy has started
If you wish to cancel your policy after receiving your documents but before your policy has started, you will receive a full refund of the premium paid.
Cancellation - Within the first 14 days
If you wish to cancel your policy within the first 14 days of receiving your policy documents then you will either receive a full refund of your premium paid if your cover has not yet commenced, or the unused part of your premium based on the cover you have had if your cover has started.
Cancellation - After the first 14 days
Beyond the 14-day period, you may cancel your car insurance at any time. A £50 cancellation charge may be applied if you cancel midway through your policy term (reduced to £5 if cancelling within the first 20 days). The arrangement fee is non-refundable if your cover has already started. You will receive a pro rata refund for your insurance policy if no claim has been made.