Saga Over 50s Car Insurance Cashback Offers & Discounts

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Saga Over 50s Car Insurance

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Saga Car Insurance has had a Defaqto 5 Star Rating for 11 years in a row. There’s always room to manoeuvre, with three Comprehensive levels of cover to choose from all with the same highly rated customer service. Saga Insurance is rated ‘Excellent’ on Trustpilot and is only for people over 50.

“Excellent agent, good price, happy customer,” Mrs Burke

Saga Standard has all the essentials:

• Uninsured drivers won’t damage your No Claim Discount, if you give us details of the vehicle that hit you. • Keep on the move in a courtesy car while yours is at an approved repairer after a UK accident. • Full Comprehensive cover to drive in most European countries for up to 90 days a year.

Saga Select ramps up the protection:

• 4+ years of No Claim Discount are protected against 2 fault claims in a 3-year period. • Vandalism won’t mangle your No Claim Discount if you make a valid claim for damage caused by vandals. • Running on fumes? You’re covered for damage caused by accidentally using the wrong type of fuel.

Saga Plus gives you all the above and a 3-year fixed price:

• Steer clear of price rises for 3 years if nothing changes, without being tied in. T&Cs apply. • Even after making a claim, most Saga Plus customers’ renewal premiums didn't go up. • Over 1 million customers have chosen a fixed price policy since launch, with Legal Protection included as standard.

“I renewed again because I feel safer with this company,” Mr Rouse

More from this retail group: Saga Over 50s Car Insurance and Saga Over 50s Home Insurance

Get a great deal on your car insurance when you take out a new policy with Saga. Saga Car Insurance policies cater for the specific needs of the over 50s, and you can choose from third party, third party, fire and theft and comprehensive options.

Choose the best level of cover to suit your needs with Saga Car Insurance, as they offer three Comprehensive policies with varying levels of cover — Standard, Select or Plus.

With Saga Car Insurance, you can also add additional cover options to your policy and retrieve a quote, as well as manage quotes, insurance documents and bookings for holidays if you create a Saga account. Before you get a car insurance quote and buy online, sign up to TopCashback to earn cashback. Saga Over 50s Car Insurance no longer offers personal cashback, so cashback earnt with them can only be withdrawn as a charity donation.

No Claims Protection

When you buy Saga Car Insurance, you can rest assured that their comprehensive cover comes with superb benefits as standard. They will protect your No Claim Discount against two fault claims in any three-year period.

This is optional added cover with their Standard policy, and is included with Saga Select and Plus if you have four or more years' No Claim Discount entitlement. They will offer a guaranteed replacement car while yours is being repaired by one of their approved repairers following an accident in the UK, while if an uninsured driver hits your car through no fault of your own, they will refund any excess paid and maintain your No Claim Discount, as long as you supply their vehicle registration and details of the accident.

If your car is immobilised following an accident, meanwhile, you can claim up to £500 for travel and/or hotel expenses. Saga Select and Plus also provide vandalism cover without it affecting your No Claim Discount (NCD), while if a medical emergency interrupts your journey, with Saga Select and Plus, any driver can take over the driving or drive your car back home.

Saga Features

While Saga Car Insurance comes with great standard benefits, you can enhance it further thanks to a range of optional extras.

If you are looking for breakdown cover, you can opt for discounted Saga Breakdown Assistance, which will help keep you on the road. You can choose from Essential, Home Call, National Recovery, Comprehensive and Premier cover options to suit your needs and financial budget.

Benefit from Legal Protection, which can be added to a Standard or Saga Select Policy at any time, or comes as standard if you opt for Saga Plus cover. This will provide up to £100,000 towards costs for trained claims handlers to recover uninsured losses following an accident in the UK which was not your fault, and was caused by a known insured third party.

Add the Replacement Car Extension to your policy to be provided with a vehicle if yours is stolen or written off, while you can also increase your Personal Accident cover up to £100,000 for you or your named partner. Finally, should you lose or damage your keys, Saga's Key Protection option provides cover of up to £2,500 per claim, and up to £50 for general wear and tear. This comes as standard with a Saga Plus policy, but can also be added to a Saga Select policy or a Standard policy.

Should you need to make a claim on your car insurance, you will need to call Saga's claims number, which you can find on the website, and they will deal with it as quickly as possible.

All of their claims advisers are based in the UK and are available 24 hours a day, 365 days a year. You will not usually be asked to fill in any forms or obtain any written estimates, while if another party was involved in the incident you are making a claim for, you will not need to deal with them or any other insurers.

Just give them Saga's details and they deal with everything for you. Once you have contacted Saga about a claim, they will get your vehicle to one of their approved repairers as soon as they can and arrange a replacement car to ensure you stay on the road while repairs to yours are carried out.

If it can be, your car will be repaired with guaranteed parts, while the work will be guaranteed for five years. If repair is not possible, they will pay you the full market value for your car or, in some cases, replace it with a new one. Saga's claims experts will deal with any outstanding parts of your claim.

If you wish to cancel your Car Insurance policy, you will need to contact Saga's customer service team.

If you do cancel your cover, you will be entitled to a pro rata refund, as long as you have not made any claims during the policy year. However, if you cancel your insurance mid-term, you will have to pay an administration fee of up to £50 for Saga Standard and Select. There is no charge with Saga Plus.

When your policy is about to expire, Saga will contact you 21-28 days prior to your renewal date. You can renew your policy by calling the renewal hotline, while if you pay for your insurance by Direct Debit or gave them continuous authority, it will automatically renew without you having to do anything.

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