Saga

Founded in 1959, Saga specialises in products for the over-50s market.

It provides a range of insurance products including car, home, travel, and health insurance. It also offers some savings accounts.

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Breakdown Cover

Ranked 13^th of 31 providers reviewed.

Customer happiness score	57.75%
Customer trust score	57.36%
Complaints performance	62.45%
Transparency rating	68.71%
Fairer Finance score Reviewed Autumn 2023	62%

Car insurance

Ranked 14^th of 49 providers reviewed.

Customer happiness score	68.03%
Customer trust score	61.24%
Complaints performance	72.07%
Transparency rating	67.63%
Fairer Finance score Reviewed Autumn 2023	67%

Home emergency cover

Ranked 2^nd of 35 providers reviewed.

Customer happiness score	53.64%
Customer trust score	67.81%
Complaints performance	79.88%
Transparency rating	71.07%
Fairer Finance score Reviewed Autumn 2023	68%

Home insurance (building and contents)

Ranked 5^th of 46 providers reviewed.

Customer happiness score	65.4%
Customer trust score	60.54%
Complaints performance	79.56%
Transparency rating	75.97%
Fairer Finance score Reviewed Autumn 2023	71%

Private medical insurance

Ranked 7^th of 11 providers reviewed.

Customer happiness score	52.26%
Customer trust score	52.01%
Complaints performance	87.18%
Transparency rating	68.3%
Fairer Finance score Reviewed Autumn 2023	65%

Savings Accounts

Ranked 8^th of 53 providers reviewed.

Customer happiness score	63.86%
Customer trust score	60.33%
Complaints performance	82.26%
Transparency rating	84.58%
Fairer Finance score Reviewed Autumn 2023	73%

Travel insurance

Ranked 5^th of 45 providers reviewed.

Customer happiness score	58.07%
Customer trust score	59.74%
Complaints performance	71.9%
Transparency rating	67.8%
Fairer Finance score Reviewed Autumn 2023	64%

Car insurance

Saga

Plus Motor Insurance (with guaranteed hire car)

Cover limit for lost keys i	£2,500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i	Unlimited
Windscreen repair excess i	£0.00
Windscreen replacement excess i	£75.00
Repairs guarantee (years) i	5 years
New car replacement i
Cover limit for stolen keys i	£2,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Saga

Motor Insurance

Cover limit for lost keys i	Unlimited
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i	Unlimited
Windscreen repair excess i	£25.00
Windscreen replacement excess i	£100.00
Repairs guarantee (years) i	5 years
New car replacement i
Cover limit for stolen keys i	Unlimited
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Saga

Plus Motor Insurance

Cover limit for lost keys i	£2,500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i	Unlimited
Windscreen repair excess i	£0.00
Windscreen replacement excess i	£75.00
Repairs guarantee (years) i	5 years
New car replacement i
Cover limit for stolen keys i	£2,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Saga

Select Motor Insurance

Cover limit for lost keys i	Unlimited
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i	Unlimited
Windscreen repair excess i	£0.00
Windscreen replacement excess i	£75.00
Repairs guarantee (years) i	5 years
New car replacement i
Cover limit for stolen keys i	Unlimited
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Home emergency cover

Saga

Home And Heating Emergency (Home Add-On)

Home Security Cover i
Home Emergency Cover limit i	£2,000.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover i
Annual boiler service i	Optional
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i	Add-On
Alternative Accommodation Cover i	£450.00
Unoccupied period i	60
Claims limit i	Unlimited

Saga

Home Emergency (Home Add-On)

Home Security Cover i
Home Emergency Cover limit i	£2,000.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover i
Annual boiler service i	Optional
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i	Add-On
Alternative Accommodation Cover i	£450.00
Unoccupied period i	60
Claims limit i	Unlimited

Home insurance (building and contents)

Saga

Saga Plus

Theft from outbuildings i	Sum insured
Matching sets (contents) i
Alternative accommodation cover limit for buildings i	Sum insured
Protection against inflation (Buildings)
Contents cover limit i	£75,000.00
Money in the home i	£1,000.00
Visitor's possessions i	£2,000.00
Office equipment i	£10,000.00
Buildings cover limit i	£1,000,000.00
Trace and access i	Sum insured
Keys/locks if lost or stolen (Buildings) i	Sum insured
Alternative accommodation cover limit for contents i	Sum insured
Cancellation fee within 14 days i	£0.00
Cancellation fee after 14 days i	£35.00
Contents compulsory excess i	£50.00
Flood excess i	£50.00
Escape of water excess (minimum) i	£150.00
Property owner liability i	£2,000,000.00
Liability to domestic employees i	£10,000,000.00
Liability as a tenant i	£15,000.00
Replace belongings new for old i

Saga

Saga Select

Theft from outbuildings i	£3,000.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i	£100,000.00
Protection against inflation (Buildings)
Contents cover limit i	£75,000.00
Money in the home i	£500.00
Visitor's possessions i	£1,000.00
Office equipment i	£5,000.00
Buildings cover limit i	£1,000,000.00
Trace and access i	£5,000.00
Keys/locks if lost or stolen (Buildings) i	£1,000.00
Alternative accommodation cover limit for contents i	£25,000.00
Cancellation fee within 14 days i	£0.00
Cancellation fee after 14 days i	£35.00
Contents compulsory excess i	£50.00
Flood excess i	£50.00
Escape of water excess (minimum) i	£150.00
Property owner liability i	£2,000,000.00
Liability to domestic employees i	£5,000,000.00
Liability as a tenant i	£5,000.00
Replace belongings new for old i

Buildings insurance

Saga

Saga Select

Matching sets (Buildings) i
Frozen pipes i
Escape of water excess for buildings i	£400.00
Underground pipes, cables and tanks i	Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i	£50.00
Unoccupied period i	60 days
Helpline i
Cancellation fee after 14 days (buildings) i	£35.00
Amendment fee (telephone) i	£0.00
Property owner liability i	£2,000,000.00

Saga

Saga Plus

Matching sets (Buildings) i
Frozen pipes i
Escape of water excess for buildings i	£400.00
Underground pipes, cables and tanks i	Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i	£50.00
Unoccupied period i	60 days
Helpline i
Cancellation fee after 14 days (buildings) i	£35.00
Amendment fee (telephone) i	£0.00
Property owner liability i	£2,000,000.00

Contents insurance

Saga

Saga Plus

Matching sets (contents) i
Theft from outbuildings i	Sum insured
Cover for items away from home i	Covered as standard
Property owner liability i	£2,000,000.00

Saga

Saga Select

Matching sets (contents) i
Theft from outbuildings i	£3,000.00
Cover for items away from home i	Optional
Property owner liability i	£2,000,000.00

Investing and pensions

Ready-made General Investment Accounts

Saga

Saga Portfolio

Cost (Year 1) i	£386.67
Account closure fee	£0.00
Charge for transferring investments to another platform i	£0.00
Does the provider have a mobile app?
Charge for selling holdings if not enough money in account for charges	£0.00
Completing paper applications
Cash withdrawal by BACs	£0.00
Same day payment/payment by CHAPs	£30.00
Early account closure fee	£0.00
Cost of receiving paper statements for a year	£20.00
Charge for transferring cash to another platform i	£0.00

Ready-made Stocks and Shares ISAs

Saga

Saga Portfolio

Cost (Year 1) i	£386.67
Account closure fee	£0.00
Charge for transferring investments to another platform i	£0.00
Charge for selling holdings if not enough money in account for charges	£0.00
Completing paper applications
Cash withdrawal by BACs	£0.00
Same day payment/payment by CHAPs	£30.00
Early account closure fee	£0.00
Cost of receiving paper statements for a year	£20.00
Charge for transferring cash to another platform i	£0.00
Is there a mobile app?

Pet insurance

Cat insurance

Saga

Super (with all optional covers)

Type of cover i	Lifetime, annual
Medical cover limit i	£5,000.00
Medical excess i	£60.00
Annual policy limit i	£5,000.00
Annual condition limit i
Lifetime policy limit i	Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i	£5,000.00
Cruciate ligament damage i	£5,000.00
CT scans i	£5,000.00
MRI scans i	£5,000.00
Prescribed food i	£0.00
Complementary treatment i	£1,000.00
Boarding fees limit i	£2,000.00
Death benefit (illness) i	£2,000.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
Holiday cancellation i	£2,000.00
Holiday cover i	£5,000.00
Quarantine costs cover i	£1,500.00
Loss of PETS passport or other travel documents i	£250.00
Emergency expenses abroad i	£500.00
Maximum number of days abroad i
Age when compulsory excess rises i	5 years
Cancellation fee i	£0.00
Amendment fee i	£0.00
If renewed, are existing conditions covered? i

Saga

Super

Type of cover i	Lifetime, annual
Medical cover limit i	£5,000.00
Medical excess i	£60.00
Annual policy limit i	£5,000.00
Annual condition limit i
Lifetime policy limit i	Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i	£5,000.00
Cruciate ligament damage i	£5,000.00
CT scans i	£5,000.00
MRI scans i	£5,000.00
Prescribed food i	£0.00
Complementary treatment i	£1,000.00
Boarding fees limit i	£2,000.00
Death benefit (illness) i	£2,000.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
Holiday cancellation i	£2,000.00
Holiday cover i	£0.00
Quarantine costs cover i	£0.00
Loss of PETS passport or other travel documents i	£0.00
Emergency expenses abroad i	£0.00
Maximum number of days abroad i
Age when compulsory excess rises i	5 years
Cancellation fee i	£0.00
Amendment fee i	£0.00
If renewed, are existing conditions covered? i

Saga

Essential (with all optional covers)

Type of cover i	Lifetime, annual
Medical cover limit i	£1,000.00
Medical excess i	£60.00
Annual policy limit i	£1,000.00
Annual condition limit i
Lifetime policy limit i	Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i	£1,000.00
Cruciate ligament damage i	£1,000.00
CT scans i	£1,000.00
MRI scans i	£1,000.00
Prescribed food i	£0.00
Complementary treatment i	£0.00
Boarding fees limit i	£750.00
Death benefit (illness) i	£0.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
Holiday cancellation i	£2,000.00
Holiday cover i	£5,000.00
Quarantine costs cover i	£1,500.00
Loss of PETS passport or other travel documents i	£250.00
Emergency expenses abroad i	£500.00
Maximum number of days abroad i
Age when compulsory excess rises i	5 years
Cancellation fee i	£0.00
Amendment fee i	£0.00
If renewed, are existing conditions covered? i

Saga

Saver

Type of cover i	Time-limited
Medical cover limit i	£2,000.00
Medical excess i	£60.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i	£2,000.00
Dental cover (if due to an accident) i	£2,000.00
Cruciate ligament damage i	£2,000.00
CT scans i	£2,000.00
MRI scans i	£2,000.00
Prescribed food i	£0.00
Complementary treatment i	£0.00
Boarding fees limit i	£400.00
Death benefit (illness) i	£0.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
Holiday cancellation i	£1,500.00
Holiday cover i	£0.00
Quarantine costs cover i	£0.00
Loss of PETS passport or other travel documents i	£0.00
Emergency expenses abroad i	£0.00
Maximum number of days abroad i
Age when compulsory excess rises i
Cancellation fee i	£0.00
Amendment fee i	£0.00
If renewed, are existing conditions covered? i

Saga

Essential

Type of cover i	Lifetime, annual
Medical cover limit i	£1,000.00
Medical excess i	£60.00
Annual policy limit i	£1,000.00
Annual condition limit i
Lifetime policy limit i	Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i	£1,000.00
Cruciate ligament damage i	£1,000.00
CT scans i	£1,000.00
MRI scans i	£1,000.00
Prescribed food i	£0.00
Complementary treatment i	£0.00
Boarding fees limit i	£750.00
Death benefit (illness) i	£0.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
Holiday cancellation i	£500.00
Holiday cover i	£0.00
Quarantine costs cover i	£0.00
Loss of PETS passport or other travel documents i	£0.00
Emergency expenses abroad i	£0.00
Maximum number of days abroad i
Age when compulsory excess rises i	5 years
Cancellation fee i	£0.00
Amendment fee i	£0.00
If renewed, are existing conditions covered? i

Saga

Saver (with all optional covers)

Type of cover i	Time-limited
Medical cover limit i	£2,000.00
Medical excess i	£60.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i	£2,000.00
Dental cover (if due to an accident) i	£2,000.00
Cruciate ligament damage i	£2,000.00
CT scans i	£2,000.00
MRI scans i	£2,000.00
Prescribed food i	£0.00
Complementary treatment i	£0.00
Boarding fees limit i	£400.00
Death benefit (illness) i	£0.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
Holiday cancellation i	£2,000.00
Holiday cover i	£3,000.00
Quarantine costs cover i	£1,500.00
Loss of PETS passport or other travel documents i	£250.00
Emergency expenses abroad i	£500.00
Maximum number of days abroad i
Age when compulsory excess rises i
Cancellation fee i	£0.00
Amendment fee i	£0.00
If renewed, are existing conditions covered? i

Dog insurance

Saga

Super

Type of cover i	Lifetime, annual
Medical cover limit i	£5,000.00
Medical excess i	£75.00
Annual policy limit i	£5,000.00
Annual condition limit i
Lifetime policy limit i	Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i	£5,000.00
Cruciate ligament damage i	£5,000.00
CT scans i	£5,000.00
MRI scans i	£5,000.00
Prescribed food i	£0.00
Complementary treatment i	£1,000.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
Age when compulsory excess rises i	5 years
Amendment fee i	£0.00
Holiday cancellation i	£2,000.00
Holiday cover i	£0.00
If renewed, are existing conditions covered? i

Saga

Super (with all optional covers)

Type of cover i	Lifetime, annual
Medical cover limit i	£5,000.00
Medical excess i	£75.00
Annual policy limit i	£5,000.00
Annual condition limit i
Lifetime policy limit i	Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i	£5,000.00
Cruciate ligament damage i	£5,000.00
CT scans i	£5,000.00
MRI scans i	£5,000.00
Prescribed food i	£0.00
Complementary treatment i	£1,000.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
Age when compulsory excess rises i	5 years
Amendment fee i	£0.00
Holiday cancellation i	£2,000.00
Holiday cover i	£5,000.00
If renewed, are existing conditions covered? i

Saga

Saver

Type of cover i	Time-limited
Medical cover limit i	£2,000.00
Medical excess i	£75.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i	£2,000.00
Dental cover (if due to an accident) i	£2,000.00
Cruciate ligament damage i	£2,000.00
CT scans i	£2,000.00
MRI scans i	£2,000.00
Prescribed food i	£0.00
Complementary treatment i	£0.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
Age when compulsory excess rises i
Amendment fee i	£0.00
Holiday cancellation i	£1,500.00
Holiday cover i	£0.00
If renewed, are existing conditions covered? i

Saga

Essential

Type of cover i	Lifetime, annual
Medical cover limit i	£1,000.00
Medical excess i	£75.00
Annual policy limit i	£1,000.00
Annual condition limit i
Lifetime policy limit i	Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i	£1,000.00
Cruciate ligament damage i	£1,000.00
CT scans i	£1,000.00
MRI scans i	£1,000.00
Prescribed food i	£0.00
Complementary treatment i	£0.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
Age when compulsory excess rises i	5 years
Amendment fee i	£0.00
Holiday cancellation i	£500.00
Holiday cover i	£0.00
If renewed, are existing conditions covered? i

Saga

Saver (with all optional covers)

Type of cover i	Time-limited
Medical cover limit i	£2,000.00
Medical excess i	£75.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i	£2,000.00
Dental cover (if due to an accident) i	£2,000.00
Cruciate ligament damage i	£2,000.00
CT scans i	£2,000.00
MRI scans i	£2,000.00
Prescribed food i	£0.00
Complementary treatment i	£0.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
Age when compulsory excess rises i
Amendment fee i	£0.00
Holiday cancellation i	£2,000.00
Holiday cover i	£3,000.00
If renewed, are existing conditions covered? i

Saga

Essential (with all optional covers)

Type of cover i	Lifetime, annual
Medical cover limit i	£1,000.00
Medical excess i	£75.00
Annual policy limit i	£1,000.00
Annual condition limit i
Lifetime policy limit i	Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i	£1,000.00
Cruciate ligament damage i	£1,000.00
CT scans i	£1,000.00
MRI scans i	£1,000.00
Prescribed food i	£0.00
Complementary treatment i	£0.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
Age when compulsory excess rises i	5 years
Amendment fee i	£0.00
Holiday cancellation i	£2,000.00
Holiday cover i	£5,000.00
If renewed, are existing conditions covered? i

Private medical insurance

Saga

HealthPlan Super

Physiotherapy i
Radiotherapy i	Full cover
Chemotherapy i	Full cover
Video or telephone consultations with GP i	Unlimited

Saga

HealthPlan Saver

Physiotherapy i
Radiotherapy i	Full cover
Chemotherapy i	Full cover
Video or telephone consultations with GP i	Unlimited

Saga

HealthPlan Secure

Physiotherapy i
Radiotherapy i	Full cover
Chemotherapy i	Full cover
Video or telephone consultations with GP i	Unlimited

Saga

HealthPlan Saver 4/6

Physiotherapy i
Radiotherapy i	Full cover
Chemotherapy i	Full cover
Video or telephone consultations with GP i	Unlimited

Saga

HealthPlan Super 4/6

Physiotherapy i
Radiotherapy i	Full cover
Chemotherapy i	Full cover
Video or telephone consultations with GP i	Unlimited

Saga

HealthPlan Secure 4/6

Physiotherapy i
Radiotherapy i	Full cover
Chemotherapy i	Full cover
Video or telephone consultations with GP i	Unlimited

Saga

HealthPlan Support

Physiotherapy i
Radiotherapy i
Chemotherapy i
Video or telephone consultations with GP i	Unlimited

Saga

HealthPlan Support 4/6

Physiotherapy i
Radiotherapy i
Chemotherapy i
Video or telephone consultations with GP i	Unlimited

Savings Accounts

Easy Access Accounts

Saga

Saga Easy Access Savings Account

Interest Rate (AER) i	4.75%
Balance Tiers i	4.75% from £1
Minimum Opening Balance i	£1.00
Withdrawal Penalty i
Part of FSCS i
Maximum Balance i	£100,000.00
Minimum Age to Open Account i	50
Penalty free withdrawals? i
Sharia Account i
Additional Information i	There is a bonus of 0.49% AER applied to the account for the first 12 months. This account is operated by Goldman Sachs International Bank.
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Additional Opening Criteria i

Savings Accounts (ISAs)

Easy Access ISAs

Saga

Saga Cash ISA

Interest Rate (AER) i	4.75%
Minimum Opening Balance i	£1.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i	50
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Travel insurance

Annual multi-trip insurance

Saga

Travel Insurance

Medical excess i	£70.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i	£5,000.00
Cancelling before travel cover limit i	£10,000.00
Emergency medical cover and repatriation cover limit i	£10,000,000.00
Mental health cover i
Personal money i	£500.00
Combined passport & travel documents cover limit i	£350.00
Cutting trip short (curtailment) cover limit i	£10,000.00
Abandoning your trip (abandonment) cover limit i	£10,000.00
Natural disaster relocation cover i
Max trip duration i	90 days

Single trip insurance

Saga

Travel Insurance

Cancelling before travel cover limit i	£10,000.00
Medical excess i	£70.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i	£5,000.00
Cutting trip short curtailment cover limit i	£10,000.00
Missed departure cover limit i	£1,000.00
Abandoning your trip (abandonment) cover limit i	£10,000.00
Emergency medical cover and repatriation cover limit i	£10,000,000.00
Personal money i	£500.00
Combined passport & travel documents limit i	£350.00

Travel insurance add-on: cruise cover

Saga

Travel Insurance

Missed port departure cover limit i	£1,000.00
Re-joining a cruise cover limit i	£1,000.00
Cabin confinement cover limit i	£10,000.00
Missed port departure excess i	£0.00
Timetable/itinerary change cover limit i	£0.00
Unused excursions cover limit i	£0.00

Travel insurance add-on: winter sports

Saga

Travel Insurance

Ski equipment owned cover limit i	£750.00
Single owned item cover limit i	£750.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i	£200.00
Avalanche closure cover limit i	£300.00
Piste closure cover limit i	£400.00
Ski equipment owned excess i	£70.00
Ski equipment hired i	£550.00
Single item limit for hired equipment i	£550.00
Unused ski pass due to illness or injury i	£350.00

Saga

Car insurance

Home emergency cover

Home insurance (building and contents)

Buildings insurance

Contents insurance

Investing and pensions

Ready-made General Investment Accounts

Ready-made Stocks and Shares ISAs

Pet insurance

Cat insurance

Dog insurance

Private medical insurance

Savings Accounts

Easy Access Accounts

Savings Accounts (ISAs)

Easy Access ISAs

Travel insurance

Annual multi-trip insurance

Single trip insurance

Travel insurance add-on: cruise cover

Travel insurance add-on: winter sports

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