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These online portals are available 24/7.
Saga car insurance
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How good is Saga car insurance?
Saga is a well-established UK insurer specialising in car insurance cover for over-50s, with a strong reputation for customer service and comprehensive policies.
Saga holds a ‘Great’ Trustpilot rating based on thousands of customer reviews and has received Defaqto 5 Star ratings for its car insurance cover every year since 2013. Independent research by Which? rated Saga’s Plus policy among the highest-performing car insurance products in 2025, awarding it a policy score of 77%.
Which? also reported that Saga’s panel of underwriters accepted between 95% and 100% of car insurance claims in 2024, reflecting strong claims performance and customer satisfaction.
What is the Defaqto rating for Saga car insurance?
Defaqto is a leading independent reviewer of financial products. All of Saga's car insurance policies, Standard, Select, and Plus receive the maximum five-star Defaqto rating for features and benefits.
Saga Standard Car Insurance
⭐⭐⭐⭐⭐^
Saga Select Car Insurance
⭐⭐⭐⭐⭐
Saga Plus Car Insurance
⭐⭐⭐⭐⭐
What will a Saga comprehensive car insurance policy cover me for?
If you choose a fully comprehensive Saga Standard car insurance policy, the following is included:
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Damage to your car
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Damage to other people's cars
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Theft of your car
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Driving abroad for 90 days
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Courtesy car
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Uninsured Driver Promise
How much do Saga car insurance policies cost?
Saga Standard
£280^
The median annual premium of policies sold in March 2026 where the cover type purchased was Comprehensive and the policy was insured by Saga.
This is the average prices of Saga Standard car insurance comprehensive policy across a range of drivers over the age of 50.
How much you personally pay will be influenced by your age, location, driving history and other factors, so could differ significantly
For comparison, the cheapest price of fully comprehensive car insurance across all our providers is £246
What's included in Saga Select and Saga Plus?
Saga's Select and Plus car insurance policies give you extra cover and benefits compared to standard policies. Both include:
Longer cover periods when driving abroad
No claims discount protection
Vandalism promise
Misfuelling cover
Saga Plus also covers:
Key protection
Legal protection
Claims promise
2-year fixed promise
Onward taxi travel
Is Saga Select or Plus car insurance worth it?
Choosing Saga Select or Plus car insurance may be worth it if you want extra protection for your no-claims discount, are concerned about uninsured drivers or vandalism, or want extra legal protection.
Saga Plus also offers a two year fixed price, where your price will be locked in for your next renewal, so as long as nothing changes, you'll pay the same price.
However, upgrading may not be necessary if you would be comfortable paying some expenses like wear and tear repairs yourself, or mainly use your car for short, low-risk journeys.
Is Saga the best company to insure my car with?
Which provider is best for you will depend on your own needs and circumstances. Here are some advantages and disadvantages of Saga car insurance to help you make your decision:
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Pros of Saga car insurance
High claims payout rate of 98% acceptance
All car insurance policies have a a 5-star Defaqto rating
Good Which? Rating score of 77%
Great option of over 50 drivers, with no upper age limit
24/7 claims line
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Cons of Saga car insurance
Only available to drivers over the age of 50
Can be more expensive than non-specialist insurers
Standard customers have reported significant renewal price hikes
Cancellation or policy adjustment fees may apply after the 14-day cooling-off period
How does Saga car insurance compare to other providers?
These are all standard fully comprehensive car insurance policies. All providers also offer higher-tier options, which will include more features for an extra cost.
Saga Standard | RAC Online | Admiral Essential | Aviva Signature | Direct Line Essentials | |
|---|---|---|---|---|---|
Price | £280^ | £308^ | £645^ | £385^ | £430^ |
Defaqto rating | ⭐⭐⭐⭐⭐ | ⭐⭐⭐ | ⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐ |
Which? claims rating^ | 77% | 83%^ | 74% | 80%^ | 74% |
Claims payout rate | 98.8% | 99% | 98.9% | N/A | N/A |
Uninsured driver promise^ included? | Yes | No | Yes | Yes | Yes |
Courtesy car included? | Yes | Yes | Yes | Yes | Yes |
Administration fees^ | Free | £15 | £15 | Free online, £18 if calling in | Free |
Further information |
Price data from MoneySuperMarket. Other data from provider website and correct as of May 2026.
How do I contact Saga?
💡 Top tip: If you bought your Saga car insurance through MoneySuperMarket, you can see your policy information on our website. Just sign in and click on your dashboard.
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Web chat
You can live chat with online agents for help with your car insurance on Saga's car insurance contact page.
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By phone
New quotes: 0345 112 7503
Existing customers: 0800 056 9169
Opening hours are Monday to Friday 8.30am–8pm, Saturday 8.30am–5pm, and Sunday 9am-5pm
How do I make a claim with Saga?
If you need to make a claim on your Saga car insurance policy, contact Saga as soon as possible after an incident.
You’ll usually need your policy number, details of what happened (date, time, location), information about any other drivers or vehicles involved and photos or evidence.
Saga claims line:
0800 001 5424
Claims lines are open 24/7
Can I cancel my Saga car insurance and switch providers?
🚩 You will not get any money refunded if you have already made a claim on your car insurance
You will need to cancel your car insurance with Saga directly. You cannot cancel via MoneySuperMarket.
You have to contact their customer service team directly via phone (0800 068 1574) or webchat. Cancellations cannot currently be fully completed online.
Can I cancel my Saga car insurance at any time?
Yes, you can cancel your Saga car insurance at any time. If you cancel within 14 days of starting the policy or receiving your documents, you will receive a refund for the remaining time, subject to a fee. If you cancel after 14 days, you can still cancel, but fees may apply, and you will be charged for the time you were covered.
Does Saga charge fees for cancelling car insurance?
Saga does not charge a fee for cancelling Saga Plus car insurance, but other products (Saga Select and Standard) have a £50 cancellation fee after the 14-day cooling-off period. Within 14 days, you receive a refund minus the days covered and an arrangement fee.
Can I get a refund for extras I've added to my Saga car insurance?
If you cancel extras, such as breakdown cover, after the 14-day cooling-off period, these are typically non-refundable.
What other insurance does the Saga sell?
More car insurance providers
With MoneySuperMarket, you can quickly and easily compare Saga car insurance against policies from up to 195
Is it cheaper to buy Saga car insurance through a price comparison website?
Price comparison websites like MoneySuperMarket can help you find cheaper car insurance from providers such as Saga compared with going direct. There are several ways we can help you save money:
our Price Promise1 means if you find the same policy cheaper elsewhere (including on a provider’s website), we’ll refund the difference and give you a £15 gift card
our Price Optimiser gives you tailored tips on how to adjust your policy to reduce the price – 83%
^ of customers saved on their car insurance using this toolour SuperSaveClub2 rewards programme gives you added perks, including £15 when you buy a car insurance policy and benefits like a Free Days Out annual pass
We also make it quick and easy to compare Saga policies alongside other insurers, so you can check you’re getting the best deal and see if the same level of cover is available for less elsewhere.
How do I find my Saga car insurance policy?
If you bought your Saga car insurance through MoneySuperMarket, you can find your policy information by logging into our website or app. Your active policies will be shown on your dashboard.
Alternatively, you can find your Saga car insurance policy on the Saga customer portal by logging into your account on their website.
Will I be charged if I make a change to my Saga car insurance?
Saga has removed administration fees for making changes to car insurance policies, meaning you generally won't pay a fee to amend details. However, if the change (e.g. a new car, change of address) affects your risk level, your premium may increase or decrease, and any adjustment will be applied to your policy.
Can I add other drivers to my Saga car insurance policy?
Yes, you can add a name driver to your Saga car insurance, providing they have a valid driving licence and meet the provider’s acceptance criteria. You can do this online through your MySaga account or by phone.
Adding extra drivers to your Saga car insurance may increase or decrease your car insurance premium, depending on their risk profile. MoneySuperMarket data found that adding a young driver (under 25) to any car insurance policy increased premiums by £768.94
Does Saga car insurance include breakdown cover?
No, Saga car insurance policies do not include breakdown cover as standard, but it can be purchased as an optional add-on for an extra fee.
You can add it to a new or existing Saga car insurance policy to get 24/7 RAC assistance.
How do I renew my Saga car insurance policy?
Most Saga car insurance policies will be set up for auto-renewal. This means that after your existing contract ends Saga will start a new one for you using the payment details they have on file. No action is required from you and there will be no break in your car insurance cover.
Auto-renewal does not mean you will get the same cover at the same price as you had before. Saga must contact you in advance of your policy renewing to inform you of any price or policy changes. If you don't want your Saga cover to auto-renew, you need to inform Saga before your policy end date. You can do this through your Saga account.
Before letting your Saga policy auto-renew, it's worth comparing car insurance quotes to see if you could get a better deal elsewhere. Shopping around can help ensure you’re not paying more than necessary, as renewal prices aren’t always the most competitive.
Can I pay my Saga car insurance in monthly instalments?
Yes, you can pay for Saga car insurance in monthly instalments via Direct Debit. While you can spread the cost, please note that paying monthly is subject to eligibility criteria, and interest will be charged, making it more expensive than an annual lump sum payment.
What is Saga car insurance?
Saga has been offering specialised comprehensive insurance product designed exclusively for drivers aged 50 and over in the UK. It offers high-quality coverage (often with a 5-star Defaqto rating) featuring no-claims protection, 2-year price fixes on some policies, and no admin fees for mid-term changes.
Who underwrites Saga insurance?
Saga Car Insurance policies are underwritten by Ageas Retail Limted.
How does MoneySuperMarket create and review the content on its website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 15 May 2026
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
You might see a premium policy with a lower average sold price than the basic option. That's not because it’s cheaper overall, but because lower-risk customers are buying it. People whose individual circumstances mean they receive higher premiums often choose the most basic cover to keep costs down, while those offered cheaper premiums are more likely to upgrade to a higher-tier product.
Based on the 10th percentile of comprehensive car insurance policies sold through MoneySuperMarket in the month of March 2026.
Accurate as of 15 May 2026.
83% of users completing the car insurance Price Optimiser journey and actioning its insights on MoneySuperMarket between 12.02.26 and 16.02.26 found a cheaper quote.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in November 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
An 'uninsured driver promise' is a car insurance policy feature where you will not have to pay your excess and will not lose your no-claims discount if your car is hit by an uninsured driver and the accident wasn't your fault.
Administration fees are charges insurers apply when you make changes to your car insurance policy. Examples of mid-term policy changes that could incur an administration fee include: changing your address, updating your job title, adding or removing a driver, changing your vehicle.
These fees cover the cost of processing the change, rather than the insurance risk itself. They are separate from any change in your premium. For example, if you update your details, your price may go up or down based on risk, then an admin fee may be added on top.
