Saga

Founded in 1959, Saga specialises in products for the over-50s market. It is listed on the London Stock Exchange

It provides both financial products such as insurance and ISAs, and also non-financial, such as legal and care services for the elderly. Its travel insurance is underwritten by Great Lakes Insurance SE. Saga's home and car insurance are provided by a number of insurers.

Saga's headquarters are in Folkestone, Kent. 

Saga
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Car insurance

Ranked 22nd of 53 providers reviewed.

Customer happiness 66.43%
Customer trust 58.65%
Complaints performance 74.89%
Transparency rating 64.04%
Fairer Finance score
Reviewed Spring 2022
66%
Gold ribbon: first place

Home Emergency Cover

Ranked 7th of 16 providers reviewed.

Customer happiness 60.74%
Customer trust 50.67%
Complaints performance 73.67%
Transparency rating 68.26%
Fairer Finance score
Reviewed Spring 2022
63%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 10th of 49 providers reviewed.

Customer happiness 65.06%
Customer trust 59.97%
Complaints performance 72.27%
Transparency rating 72.92%
Fairer Finance score
Reviewed Spring 2022
68%

Savings accounts

Ranked 28th of 49 providers reviewed.

Customer happiness 52.48%
Customer trust 54.55%
Complaints performance 72.06%
Transparency rating 68.95%
Fairer Finance score
Reviewed Spring 2022
62%

Travel insurance

Ranked 22nd of 39 providers reviewed.

Customer happiness 57.1%
Customer trust 55.34%
Complaints performance 49%
Transparency rating 53.72%
Fairer Finance score
Reviewed Spring 2022
54%

Car insurance

Saga

Motor Insurance

4 stars
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 £1,000.00
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

4 stars
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

Saga

Select Motor Insurance

4 stars
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 insurance (building and contents)

Saga

Saga Plus

3 stars
Matching sets (Contents) i
Theft from outbuildings cover limit i Sum Insured
Escape of water excess i £400.00
Garden plants i
Alternative accommodation cover limit for contents i Sum insured
Alternative accommodation cover limit for buildings i £1,000,000.00
Cover for keys if lost i Sum insured
Money in the home i £1,000.00
Replace belongings new for old i
24hr helpline i
Dual Contents i

Saga

Saga Select

2 stars
Matching sets (Contents) i
Theft from outbuildings cover limit i £3,000.00
Escape of water excess i £400.00
Garden plants i
Alternative accommodation cover limit for contents i £25,000.00
Alternative accommodation cover limit for buildings i £100,000.00
Cover for keys if lost i £1,000.00
Money in the home i £500.00
Replace belongings new for old i
24hr helpline i
Dual Contents i

Buildings insurance

Saga

Saga Plus

4 stars
Trace and Access i sum insured
Cover for keys if lost i Sum insured
Matching sets i
Rainfall (mm) i 25 mm per hour
Alternative accommodation cover limit i £1,000,000.00
Cover for keys if stolen i Sum insured
Compulsory excess i £50.00
Escape of water excess i £450.00
24hr helpline i
Property owner liability i £2,000,000.00

Saga

Saga Select

3 stars
Trace and Access i £5,000.00
Cover for keys if lost i £1,000.00
Matching sets i
Rainfall (mm) i 25 mm per hour
Alternative accommodation cover limit i £100,000.00
Cover for keys if stolen i £1,000.00
Compulsory excess i £50.00
Escape of water excess i £450.00
24hr helpline i
Property owner liability i £2,000,000.00

Contents insurance

Saga

Saga Plus

4 stars
Matching sets i
Cover for keys if lost i Sum insured
Theft from outbuildings cover limit i Sum Insured
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Cover for keys if stolen i Sum insured
Money in the home cover limit i £1,000.00
Alternative accommodation cover limit i Sum insured
24hr helpline i

Saga

Saga Select

3 stars
Matching sets i
Cover for keys if lost i £1,000.00
Theft from outbuildings cover limit i £3,000.00
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Cover for keys if stolen i £1,000.00
Money in the home cover limit i £500.00
Alternative accommodation cover limit i £25,000.00
24hr helpline i

Pet insurance

Cat insurance

Saga

Super

3 stars
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
Prescription diet (treatment of bladder stones only) 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 Optional
Quarantine costs cover i Optional
Loss of PETS passport or other travel documents i Optional
Emergency expenses abroad i Optional
Maximum number of days abroad i Optional
Age when compulsory excess rises i 5 years
Cancellation fee i £35.00
Amendment fee i £10.00
If renewed, are existing conditions covered? i

Saga

Saver

1 stars
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
Prescription diet (treatment of bladder stones only) 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 £500.00
Holiday cover i Optional
Quarantine costs cover i Optional
Loss of PETS passport or other travel documents i Optional
Emergency expenses abroad i Optional
Maximum number of days abroad i Optional
Age when compulsory excess rises i
Cancellation fee i £35.00
Amendment fee i £10.00
If renewed, are existing conditions covered? i

Saga

Essential

1 stars
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
Prescription diet (treatment of bladder stones only) 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 £1,500.00
Holiday cover i Optional
Quarantine costs cover i Optional
Loss of PETS passport or other travel documents i Optional
Emergency expenses abroad i Optional
Maximum number of days abroad i Optional
Age when compulsory excess rises i 5 years
Cancellation fee i £35.00
Amendment fee i £10.00
If renewed, are existing conditions covered? i

Dog insurance

Saga

Super

3 stars
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
Prescription diet (treatment of bladder stones only) 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 £10.00
Holiday cancellation i £2,000.00
Holiday cover i Optional
If renewed, are existing conditions covered? i

Saga

Saver

1 stars
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
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
Prescription diet (treatment of bladder stones only) 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 £10.00
Holiday cancellation i £500.00
Holiday cover i Optional
If renewed, are existing conditions covered? i

Saga

Essential

1 stars
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
Prescription diet (treatment of bladder stones only) 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 £10.00
Holiday cancellation i £1,500.00
Holiday cover i Optional
If renewed, are existing conditions covered? i

Travel insurance

Annual multi-trip insurance

Saga

Travel Insurance

4 stars
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 £300.00
Combined passport & travel cover limit i £350.00
Cutting trip short cover limit i £10,000.00
Abandoning your trip cover limit i £10,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 90 days

Single trip insurance

Saga

Travel Insurance

4 stars
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 cover limit i £10,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip cover limit i £10,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £300.00
Combined passport & travel cover limit i £350.00

Travel insurance add-on: cruise cover

Saga

Travel Insurance

1 stars
Missed port departure cover limit i £0.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £500.00
Missed port departure excess i
Timetable/itinerary change cover limit i £1,000.00
Unused excursions cover limit i £750.00

Travel insurance add-on: winter sports

Saga

Travel Insurance

4 stars
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

Travel Insurance Covid-19 Cover

Saga

Travel Insurance

1 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)