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, you and any drivers named on the policy are. Both Saga Select and Saga Plus include cover for driving in EU countries as standard for an unlimited amount of time. We also include some other countries – check which countries are covered.
For most countries we cover, you don’t need a green card anymore.
Our flagship Saga Plus cover level comes with a 3-year fixed price. This means you get a price that won't go up for three years if the policy details stay the same (even after most claims*) and the freedom to leave any time you like during the policy year with no cancellation fee. And if you make any mid-term changes like a new car or revised mileage you won't be charged an admin fee either.
*Based on claims made in 2019 and 2020.Read all the terms and conditions and find out more about our 3-year fixed price.
Yes, you can drive a car that you don’t own or that isn’t insured by you or your spouse or partner, but only on a third-party basis.
Third-party is the most basic level of car insurance, and means that if you have an accident that’s your fault, your insurance will only cover the cost of repairing the other person’s car and their medical expenses. Damage to the car you’re driving or any injuries to you won’t be covered.
You’ll also need to have the permission of the car’s owner to drive it, and it must be insured in its own right.
You must tell us about any driving offences you’ve been convicted of in the last five years (this also applies to anyone named on your policy). This includes fixed penalty notices for offences like speeding, driving without due care, and drug or alcohol-related convictions. You’ll need to give us the date of the conviction and the conviction code – you can find these on the gov.uk website. Please give us a call on 0800 302 9735 if you need to do this.
If you’ve been caught speeding and since been on a speed awareness course, you don’t have to declare a conviction. You also don’t need to tell us about parking tickets (also known as penalty charge notices).
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.
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.
Yes, we include windscreen cover with both Saga Plus and Saga Select. And if you claim for this it won’t affect your No Claim Discount. As long as you use one of our approved repairers, and they don’t need to replace your windscreen, you won’t even have to pay for it.
If your windscreen does needs replacing, and you use a Saga approved repairer, you’ll have to pay a £75 excess. Different T&Cs apply if you use someone we haven’t approved – you can find more about this in the ‘Broken glass’ section of your policy book.
Yes, you are. Our Saga Plus and Saga Select Comprehensive policies include cover for vandalism as standard. And any valid claims you make for vandalism damage won’t affect your No Claim Discount.
Our comprehensive policies include cover for this as standard. So if your car’s hit by someone who isn’t insured, as long as it isn’t your fault (and you have the other car’s reg and the accident details), we’ll refund any excess you’ve paid. And it won’t affect your No Claim Discount.
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 with our Saga Plus and Saga Select Comprehensive policies. 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.
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.
At the moment we don’t offer a specific multi-car policy. But you can insure more than one car with us on separate policies. Call us on 0800 092 3195 to see how much it’ll cost. Or you can get a quote online for each individual car.
Please note that if you have a no claim discount, you can usually only use this on one policy.
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 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.
MySaga is a secure section of our website, which allows you to view information such as your quotes and policy documents. You can also make changes to your policy details, add extra cover, update your payment details or request copies of your documents.
As well as managing your policy, you can organise your renewal too, all at the touch of a button, so you can be in control of your cover 24/7.
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.
You can change your car by visiting MySaga.
You will need to provide the following:
- Car reg number
- Engine size (cc)
- Year of manufacture
- Vehicle value
- Any modifications
- Where the vehicle is kept overnight.
You will also have the opportunity to check the level of cover needed 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 car.
We won't charge you an admin fee if you change your car but the price of your insurance may change.
Don't forget that when you change your car you'll need to tax it before you can legally drive it on the road. You can do this online or at the Post Office. You'll need to tax your car even if you don't have to pay anything because you or your vehicle is exempt.
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.
We will not charge an administration fee for making this change but please be aware that changing your address may cause the price of your insurance to go up or down. Our advisers will talk you through this when you call up.
You must update your driving licence, vehicle log book (V5C), Direct Debit for vehicle tax and other details when you move house. Visit the Government website for a step-by-step guide on what you need to change and how to do it.
Yes, you can amend the set-up of your cover by visiting MySaga.
If you need to view your payment schedule and update your payment details for your motor policies, please visit MySaga.
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.
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 getting your documents but before your cover has started, you'll get 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 getting your policy documents, and your cover hasn't started yet, you will receive a full refund.
However, if your cover has started, you'll get a pro-rata refund of your premium based on the cover you have had. Once your cover has started, the arrangement fee will not be refunded and Saga will charge an admin fee for cancelling your policy unless you have a Saga Plus policy that started on or after 1 November 2021. If this is the case, there will be no admin fee to pay if you choose to cancel.
Cancellation - After the first 14 days
After the 14 days, you can choose to 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). If you have a Saga Plus policy that started on or after 1 November 2021, there will be no admin fee to pay if you choose to cancel. 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.
There are times when you may need to amend your policy, for example if you want to add an additional driver or alter your cover.
Some changes may result in a change to your premium. However, Saga won't charge an administration fee for any changes you make.