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.
Breakdown Cover
Ranked 13th 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 14th 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 2nd 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 5th 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 7th 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 8th 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 5th 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
| Courtesy car for duration of repair i | |
|---|---|
| Uninsured driver promise i | |
| Cover limit for lost keys i | £2,500.00 |
| 24hr helpline available i | |
| New car replacement i | |
| Courtesy car provided if stolen / total loss i | |
| Windscreen repair excess i | £0.00 |
| Windscreen replacement excess i | £75.00 |
| Cover limit for stolen keys i | £2,500.00 |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Repairs guarantee (years) i | 5 years |
| Vandalism i |
Saga
Motor Insurance
| Courtesy car for duration of repair i | |
|---|---|
| Uninsured driver promise i | |
| Cover limit for lost keys i | Unlimited |
| 24hr helpline available i | |
| New car replacement i | |
| Courtesy car provided if stolen / total loss i | |
| Windscreen repair excess i | £25.00 |
| Windscreen replacement excess i | £100.00 |
| Cover limit for stolen keys i | Unlimited |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Repairs guarantee (years) i | 5 years |
| Vandalism i |
Saga
Plus Motor Insurance
| Courtesy car for duration of repair i | |
|---|---|
| Uninsured driver promise i | |
| Cover limit for lost keys i | £2,500.00 |
| 24hr helpline available i | |
| New car replacement i | |
| Courtesy car provided if stolen / total loss i | |
| Windscreen repair excess i | £0.00 |
| Windscreen replacement excess i | £75.00 |
| Cover limit for stolen keys i | £2,500.00 |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Repairs guarantee (years) i | 5 years |
| Vandalism i |
Saga
Select Motor Insurance
| Courtesy car for duration of repair i | |
|---|---|
| Uninsured driver promise i | |
| Cover limit for lost keys i | Unlimited |
| 24hr helpline available i | |
| New car replacement i | |
| Courtesy car provided if stolen / total loss i | |
| Windscreen repair excess i | £0.00 |
| Windscreen replacement excess i | £75.00 |
| Cover limit for stolen keys i | Unlimited |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Repairs guarantee (years) i | 5 years |
| 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 |
| Primary Heating System i | |
| Cover Type i | Add-On |
| Internal plumbing and drainage i | |
| Boiler breakdown cover i | |
| Pest infestation cover i | |
| Alternative Accommodation Cover i | £450.00 |
| Unoccupied period i | 60 |
| Annual boiler service i | Optional |
| Internal gas supply pipe cover i | |
| Domestic Power supply covered? i | |
| Claims limit i | Unlimited |
Saga
Home Emergency (Home Add-On)
| Home Security Cover i | |
|---|---|
| Home Emergency Cover limit i | £2,000.00 |
| Primary Heating System i | |
| Cover Type i | Add-On |
| Internal plumbing and drainage i | |
| Boiler breakdown cover i | |
| Pest infestation cover i | |
| Alternative Accommodation Cover i | £450.00 |
| Unoccupied period i | 60 |
| Annual boiler service i | Optional |
| Internal gas supply pipe cover i | |
| Domestic Power supply covered? i | |
| Claims limit i | Unlimited |
Home insurance (building and contents)
Saga
Saga Plus
| Alternative accommodation cover limit for buildings i | Sum insured |
|---|---|
| Theft from outbuildings i | Sum insured |
| Protection against inflation (Buildings) | |
| Matching sets (contents) i | |
| Contents compulsory excess i | £50.00 |
| Property owner liability i | £2,000,000.00 |
| Cancellation fee within 14 days i | £0.00 |
| Contents cover limit i | £75,000.00 |
| Alternative accommodation cover limit for contents i | Sum insured |
| Buildings cover limit i | £1,000,000.00 |
| Cancellation fee after 14 days i | £35.00 |
| Liability to domestic employees i | £10,000,000.00 |
| Trace and access i | Sum insured |
| Keys/locks if lost or stolen (Buildings) i | Sum insured |
| Liability as a tenant i | £15,000.00 |
| Replace belongings new for old i | |
| Flood excess i | £50.00 |
| Escape of water excess (minimum) i | £150.00 |
| Money in the home i | £1,000.00 |
| Visitor's possessions i | £2,000.00 |
| Office equipment i | £10,000.00 |
Saga
Saga Select
| Alternative accommodation cover limit for buildings i | £100,000.00 |
|---|---|
| Theft from outbuildings i | £3,000.00 |
| Protection against inflation (Buildings) | |
| Matching sets (contents) i | |
| Contents compulsory excess i | £50.00 |
| Property owner liability i | £2,000,000.00 |
| Cancellation fee within 14 days i | £0.00 |
| Contents cover limit i | £75,000.00 |
| Alternative accommodation cover limit for contents i | £25,000.00 |
| Buildings cover limit i | £1,000,000.00 |
| Cancellation fee after 14 days i | £35.00 |
| Liability to domestic employees i | £5,000,000.00 |
| Trace and access i | £5,000.00 |
| Keys/locks if lost or stolen (Buildings) i | £1,000.00 |
| Liability as a tenant i | £5,000.00 |
| Replace belongings new for old i | |
| Flood excess i | £50.00 |
| Escape of water excess (minimum) i | £150.00 |
| Money in the home i | £500.00 |
| Visitor's possessions i | £1,000.00 |
| Office equipment i | £5,000.00 |
Buildings insurance
Saga
Saga Select
| Escape of water excess for buildings i | £400.00 |
|---|---|
| Matching sets (Buildings) i | |
| Frozen pipes i | |
| 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 |
| Property owner liability i | £2,000,000.00 |
| Helpline i | |
| Cancellation fee after 14 days (buildings) i | £35.00 |
| Amendment fee (telephone) i | £0.00 |
Saga
Saga Plus
| Escape of water excess for buildings i | £400.00 |
|---|---|
| Matching sets (Buildings) i | |
| Frozen pipes i | |
| 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 |
| Property owner liability i | £2,000,000.00 |
| Helpline i | |
| Cancellation fee after 14 days (buildings) i | £35.00 |
| Amendment fee (telephone) i | £0.00 |
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 |
| Is there 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 |
Pet insurance
Cat insurance
Saga
Super (with all optional covers)
| Medical excess i | £60.00 |
|---|---|
| Type of cover i | Lifetime, annual |
| Medical cover limit i | £5,000.00 |
| Age when compulsory excess rises i | 5 years |
| Annual policy limit i | £5,000.00 |
| Cancellation fee i | £0.00 |
| Annual condition limit i | |
| Amendment fee i | £0.00 |
| 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 |
| If renewed, are existing conditions covered? i | |
| 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 |
Saga
Super
| Medical excess i | £60.00 |
|---|---|
| Type of cover i | Lifetime, annual |
| Medical cover limit i | £5,000.00 |
| Age when compulsory excess rises i | 5 years |
| Annual policy limit i | £5,000.00 |
| Cancellation fee i | £0.00 |
| Annual condition limit i | |
| Amendment fee i | £0.00 |
| 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 |
| If renewed, are existing conditions covered? i | |
| 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 |
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 |
| If renewed, are existing conditions covered? i | |
| Age when compulsory excess rises i | 5 years |
| Amendment fee i | £0.00 |
| Holiday cancellation i | £2,000.00 |
| Holiday cover i | £0.00 |
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 |
| If renewed, are existing conditions covered? i | |
| 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 |
Private medical insurance
Saga
HealthPlan Super
| Physiotherapy i | |
|---|---|
| Video or telephone consultations with GP i | Unlimited |
| Radiotherapy i | Full cover |
| Chemotherapy i | Full cover |
Saga
HealthPlan Saver
| Physiotherapy i | |
|---|---|
| Video or telephone consultations with GP i | Unlimited |
| Radiotherapy i | Full cover |
| Chemotherapy i | Full cover |
Saga
HealthPlan Secure
| Physiotherapy i | |
|---|---|
| Video or telephone consultations with GP i | Unlimited |
| Radiotherapy i | Full cover |
| Chemotherapy i | Full cover |
Saga
HealthPlan Saver 4/6
| Physiotherapy i | |
|---|---|
| Video or telephone consultations with GP i | Unlimited |
| Radiotherapy i | Full cover |
| Chemotherapy i | Full cover |
Saga
HealthPlan Super 4/6
| Physiotherapy i | |
|---|---|
| Video or telephone consultations with GP i | Unlimited |
| Radiotherapy i | Full cover |
| Chemotherapy i | Full cover |
Saga
HealthPlan Secure 4/6
| Physiotherapy i | |
|---|---|
| Video or telephone consultations with GP i | Unlimited |
| Radiotherapy i | Full cover |
| Chemotherapy i | Full cover |
Travel insurance
Annual multi-trip insurance
Saga
Travel Insurance
| Medical excess i | £70.00 |
|---|---|
| Cancelling before travel cover limit i | £10,000.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £5,000.00 |
| Emergency medical cover and repatriation cover limit i | £10,000,000.00 |
| Mental health cover i | |
| Max trip duration i | 90 days |
| Cutting trip short (curtailment) cover limit i | £10,000.00 |
| Abandoning your trip (abandonment) cover limit i | £10,000.00 |
| Personal money i | £500.00 |
| Combined passport & travel documents cover limit i | £350.00 |
| Natural disaster relocation cover i |
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 |
| Emergency medical cover and repatriation cover limit i | £10,000,000.00 |
| 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 |
| Personal money i | £500.00 |
| Combined passport & travel documents limit i | £350.00 |
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 |
| Ski equipment owned excess i | £70.00 |
| Ski equipment hired i | £550.00 |
| Single item limit for hired equipment i | £550.00 |
| Avalanche closure cover limit i | £300.00 |
| Piste closure cover limit i | £400.00 |
| Unused ski pass due to illness or injury i | £350.00 |