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 4^th of 44 providers reviewed.

Customer happiness score	58.07%
Customer trust score	59.74%
Complaints performance	71.9%
Transparency rating	68.99%
Fairer Finance score Reviewed Autumn 2023	65%

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	£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

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
Annual boiler service i
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
Annual boiler service i
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	£1,000,000.00
Escape of water excess i	£400.00
Additional escape of water excess i	£0.00
Flood excess i	£50.00
Cover away from home offered for: jewellery	Optional
Keys/locks if lost or stolen (Buildings) i	Sum insured
Trace and access i	Sum insured
Buildings cover limit i	£1,000,000.00
Money in the home i	£1,000.00
Contents sum insured i	£75,000.00
Visitor's possessions i	£2,000.00
Office equipment i	£10,000.00
Alternative accommodation cover limit for contents i	Sum insured
Escape of water excess (minimum) i	£400.00
Cancellation fee after 14 days i	£35.00
Cancellation fee within 14 days i	£0.00
Contents compulsory excess i	£50.00
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
Escape of water excess i	£400.00
Additional escape of water excess i	£0.00
Flood excess i	£50.00
Cover away from home offered for: jewellery	Optional
Keys/locks if lost or stolen (Buildings) i	£1,000.00
Trace and access i	£5,000.00
Buildings cover limit i	£1,000,000.00
Money in the home i	£500.00
Contents sum insured i	£75,000.00
Visitor's possessions i	£1,000.00
Office equipment i	£5,000.00
Alternative accommodation cover limit for contents i	£25,000.00
Escape of water excess (minimum) i	£400.00
Cancellation fee after 14 days i	£35.00
Cancellation fee within 14 days i	£35.00
Contents compulsory excess i	£50.00
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 Plus

Matching sets (Buildings) i
Escape of water excess (minimum) i	£400.00
Buildings compulsory excess i	£50.00
Escape of water excess i	£400.00
Unoccupied period i	60.00
24hr 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 Select

Matching sets (Buildings) i
Escape of water excess (minimum) i	£400.00
Buildings compulsory excess i	£50.00
Escape of water excess i	£400.00
Unoccupied period i	60.00
24hr 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
Windspeed (mph) i	55 mph
Property owner liability i	£2,000,000.00

Saga

Saga Select

Matching sets (contents) i
Theft from outbuildings i	£3,000.00
Windspeed (mph) i	55 mph
Property owner liability i	£2,000,000.00

Pet insurance

Cat insurance

Saga

Super (with optional cover)

Type of cover i	Lifetime, annual
Medical cover limit i	£5,000.00
Medical excess i	£0.00
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	£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	£10.00
Amendment fee i	£35.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Saga

Super

Type of cover i	Lifetime, annual
Medical cover limit i	£5,000.00
Medical excess i	£0.00
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	£0.00
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	£10.00
Amendment fee i	£35.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Saga

Essential (with optional cover)

Type of cover i	Lifetime, annual
Medical cover limit i	£1,000.00
Medical excess i	£0.00
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	£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	£10.00
Amendment fee i	£35.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Saga

Saver

Type of cover i	Time-limited
Medical cover limit i	£2,000.00
Medical excess i	£0.00
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	£0.00
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	£10.00
Amendment fee i	£35.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Saga

Essential

Type of cover i	Lifetime, annual
Medical cover limit i	£1,000.00
Medical excess i	£0.00
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	£0.00
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	£10.00
Amendment fee i	£35.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Saga

Saver (with optional cover)

Type of cover i	Time-limited
Medical cover limit i	£2,000.00
Medical excess i	£0.00
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	£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	£10.00
Amendment fee i	£35.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Dog insurance

Saga

Super

Type of cover i	Lifetime, annual
Medical cover limit i	£5,000.00
Medical excess i	£0.00
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	£35.00
Holiday cancellation i	£0.00
Holiday cover i	£0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Saga

Super (with optional cover)

Type of cover i	Lifetime, annual
Medical cover limit i	£5,000.00
Medical excess i	£0.00
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	£35.00
Holiday cancellation i	£2,000.00
Holiday cover i	£5,000.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Saga

Saver

Type of cover i	Time-limited
Medical cover limit i	£2,000.00
Medical excess i	£0.00
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	£35.00
Holiday cancellation i	£0.00
Holiday cover i	£0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Saga

Essential

Type of cover i	Lifetime, annual
Medical cover limit i	£1,000.00
Medical excess i	£0.00
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	£35.00
Holiday cancellation i	£0.00
Holiday cover i	£0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Saga

Saver (with optional cover)

Type of cover i	Time-limited
Medical cover limit i	£2,000.00
Medical excess i	£0.00
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	£35.00
Holiday cancellation i	£2,000.00
Holiday cover i	£3,000.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Saga

Essential (with optional cover)

Type of cover i	Lifetime, annual
Medical cover limit i	£1,000.00
Medical excess i	£0.00
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	£35.00
Holiday cancellation i	£2,000.00
Holiday cover i	£5,000.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? 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%
Minimum Opening Balance i	£0.00
Maximum Balance i	£100,000.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i	18
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
Additional Information i	This account is operated by Goldman Sachs International Bank.

Savings Accounts (ISAs)

Easy Access ISAs

Saga

Saga Cash ISA

Interest Rate (AER) i	4.75%
Minimum Opening Balance i	£0.00
Part of FSCS i
Withdrawal Penalty i	Withdrawals can be made via nominated account
Minimum Age to Open Account i	18
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?
Can you transfer in funds from a stocks and shares ISA?

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
Natural disaster baggage 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	£0.00
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

Travel insurance add-on: winter sports

Saga

Travel Insurance

Ski equipment owned cover limit i	£750.00
Single owned item cover limit i	£0.00
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	£0.00
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

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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