Saga Car Insurance

Saga Car Insurance

Compare Saga Car Insurance Over 50s Cover Policies

Insurance Offered
Third Party Fire & Theft and Comprehensive Cover
Over 50s Cover
Special Features
Emergency ʽany driverʼ cover – if a medical emergency interrupts your journey, any driver can take over the driving or take your car back home
Uninsured Driver Promise

Saga Over 50s Car Insurance

Saga Car Insurance

Benefits of Saga car insurance include:

  • Uninsured driver promise – if an uninsured driver hits your car, Saga will refund any excess paid and your No Claim Discount won’t be reduced (as long as you supply the details of the other vehicle including the registration and the accident details)
  •  5% additional car discount – for every additional car insured at the same address drivers over 50 will receive a 5% discount
  •  If a medical emergency interrupts your journey, any driver can take over the driving or take your car back home
  •  Travel or hotel expenses of up to £500 to get you home after an accident
  •  Unlimited EU car cover included
  • Guaranteed replacement car for up to 14 days while yours is being repaired by an approved repairers
  • Up to 70% No Claim Discount
  • Up to £1,000 personal belongings cover
  • Free windscreen/glass repairs that don’t affect your no claims discount (when you use an approved repair service)
  • ‘New for old’ replacement for cars under two years old (if you are the first registered keeper)

Optional extras available include:

  • Legal Protection – If you are involved in an accident that’s not your fault and was caused by a known, insured third party, Saga will provide up to £100,000 towards the costs of trained claims handlers  recovering uninsured losses following an accident
  • Increased Personal Accident Cover – Up to £20,000 for you or your named partner if you suffer a serious injury following an accident involving your vehicle
  • Discounted Saga Breakdown Assistance – UK wide breakdown service, available at a discounted rate when added to a car Insurance policy
  • Accident Healthcare –  If you are unfortunate enough to be injured in a road accident in the UK, the SAGA Accident Healthcare option provides cover of up to £1 million for prompt private medical treatment. Accident Healthcare also provides access to the Saga GP Telephone Consultation Service, allowing you to talk to a GP whenever you need advice, even if it’s not linked to a road accident.

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See below for different types of car insurance:

Type of Car Insurance

Car Insurance Features

Comprehensive Car Insurance

As the name suggests provides cover both to third parties but also to you and your own car and passengers in the event of an accident. This type of cover usually allows you to drive another car (may only be on a third party basis).

Car Legal Expenses Insurance

Normally sold as an add on to car insurance and provides legal expense cover in the event of a dispute e.g. if you are in an accident that is not your fault you may wish to claim back uninsured losses and legal expense cover will help you fund the legal costs.

Third Party Car Insurance

Third party car insurance is the minimum cover required by UK law on a vehicle used ona public highway. If you have an accident this cover will protect you from having to pay for damage to other vehicles. You cannot make a claim against your own vehicle.

Third Party Fire and Theft Car Insurance

In addition to covering third party liabilites this cover also provides financial protection in the event of damage to your car in the event of fire or loss due to theft.

As with many things in life the more time you put into something the more you will get out and with buying car insurance spending some time understanding what to look out for can save you both time and money in the long run and should ensure that you end up with the right cover.

Things to consider:

Age

If you are under 25 you will generally pay more for car insurance. For teenagers the cost of car insurance can be very high. Some insurers provide young driver car insurance schemes e.g. The Co-op and Young Marmalade provide specialist insurance for younger drivers

Voluntary Excess

To keep the cost of car insurance down many insurers provide you with the option of a voluntary excess on any claim. This is paid over and above any compulsory excess on the policy.

Gender

In the past specialist women’s car insurance providers could offer a better deal. Women generally tend to make less expensive claims than men, and so insurance companies historically reflected this in offering cheaper premiums. However, in March 2012, the European Court of Justice ruled that insurance providers cannot discriminate on gender. This ruling came into effect from December 2012.

Car Mileage

Some car insurers will adjust their car insurance premium based on the mileage you do. It is important you give an accurate indication of expected annual mileage to ensure you are not paying more than you need to.   Check with your existing car insurer (if relevant) – If you already have an existing car check with your existing insurer about adding a second car onto the policy. Some car insurance companies will provide you with a discount for including a second vehicle – often called multi car insurance.

Using a Comparison website

Online comparison websites provide a useful and easy way of getting car insurance quotes. No car insurance comparison website covers the whole market so it makes sense to use more than one source to ensure you are getting the right cover at the right price. You should also note that some insurance companies do not appear on comparison websites e.g. Direct Line Car Insurance and Aviva Car Insurance

Using a Car Insurance broker

If you are not sure what cover you need or want somebody to help you through the process there are many car insurance brokers who will be happy to help. A good insurance broker will not help you in buying car insurance but also provide support in the event that you need to make a claim.If you intend to use a broker you should check their FCA (Financial Conduct Authority) registration on the FCA website.

Providing correct information

In assessing the insurance risk an insurance company will rely on the information that you give as being accurate. Information provided will determine whether insurance is provided and the cost of premiums. It is therefore important that any information you provide is correct e.g. information on any driving offences where you have been given points can have a material impact on the premium you are required to pay. Non disclosure of such information at the time of application can result in a non payout in the event of a claim. If you are using a car insurance broker this is where valuable advice can be provided.

Cheapest is not always best

With insurance you generally get what you pay for so before you sign up to an insurance policy you should be aware of what you are covered for and what is excluded. You should consider what you need and ensure you are adequately covered. This may mean you have to pay more to get what you want.

Automatic Renewal

When you buy car insurance and you pay by direct debit some insurance companies will automatically renew your car insurance policy at the renewal date. You should receive a written notice of the car insurance renewal and any increase in the premium. If you are not happy you need to be proactive and shop around before the renewal date and cancel the existing policy before renewal.

Changing your mind

You have the right to change your mind within a set period normally 14 days from purchase of the car insurance policy and have your money returned.

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