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Saga review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Saga suits older UK households who want personal insurance handled by one long established insurer rather than a broker. It prices from a premium of £289 and carries an excess of £25, with a cost score of 2.6.

Key facts

Best for
Older UK adults wanting personal insurance under one insurer, with monthly payments available.
Premium from
£289↗
Insurance types
Auto, Home, Renters, Travel, Health, Landlord, Breakdown↗
Provider type
Insurer↗
Monthly payments
Yes↗
Excess from
£25↗
Claims channels
Phone, Online↗
Age range
50 and over↗
Legal entity
Saga Services Limited (Company No. 732602)↗
Headquarters
United Kingdom↗
Founded
1951↗
Support channels
Phone, Chat, Help-centre↗
Audience
Seniors
Pricing model
Monthly
Official website
saga.co.uk

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
WikidataTrustpilotX

Pros and cons

Pros

  • Insurer rather than a broker, regulated in the United Kingdom by the Financial Conduct Authority under 311557
  • One provider across auto, home and renters cover
  • Monthly payments available on a monthly basis
  • Excess starts at £25

Cons

  • Premium from £289 sits well above the site median of €8.31
  • Support runs on phone, chat and help centre only, with claims on phone and online
  • Cover is aimed at seniors of 50 and over
Saga

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Adults in the 50 and over range shopping for car insurance in the United Kingdom
  • Households wanting one insurer for auto, home and renters cover
  • Anyone who prefers monthly payments on a monthly basis

Who should look elsewhere

  • Younger drivers, since cover is aimed at seniors of 50 and over
  • Drivers on a tight budget, with premiums from £289 against a site median of €8.31
  • Anyone who wants branch or in person service, as support runs on phone, chat and help centre

The company behind it

The policy is underwritten by Saga Services Limited, registered in the United Kingdom and trading since 1951. It is an insurer, not a broker, so the cover sits with the company itself. Saga is regulated in the United Kingdom by the Financial Conduct Authority, and the licence is 311557. Support runs on phone, chat and help centre, while car claims are handled on phone and online.

How Saga compares

Where Saga is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (311557), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does Saga car insurance cost?+

Cover starts at a premium of £289, and the policy excess starts at £25. That opening premium is above the site median of €8.31, so Saga sits towards the dearer end of the listings here.

Can I pay Saga car insurance monthly?+

Yes. Monthly payments are available, and the payment model is monthly. You can spread the cost of the premium rather than paying it in a single sum, which suits anyone budgeting on a fixed monthly amount.

Who regulates Saga?+

Saga is an insurer registered in the United Kingdom, and it holds a Financial Conduct Authority licence. The licence number is 311557. As an insurer rather than a broker, Saga carries the risk on the policies it sells.

What kinds of insurance does Saga sell?+

The range covers auto, home and renters. That means car, home, renters, travel, health, landlord and breakdown cover sit with the same provider, so a household can hold several policies in one place.

Who is Saga insurance aimed at?+

The stated audience is seniors, and the age range given for the cover is 50 and over. The car policy is written for older drivers in GB rather than for the youngest drivers, so a quote sits in the senior driver bands.

How do I contact Saga about a claim?+

Claims are handled on phone and online, so a car claim starts by phone or online. General support runs on phone, chat and help centre, which is a different set of routes for policy questions.

When was Saga founded?+

Saga has traded since 1951 and is based in the United Kingdom. The company behind the policy is Saga Services Limited, an insurer rather than a comparison site or broker.

Sources

  • saga.co.uk/car-insurance checked September 26, 2026

    Backs: Audience, Provider type, Excess from, Founded, Headquarters, Legal entity, Premium from, Support channels, Licences

    “Saga offers three Comprehensive levels of car insurance for the over 50s”

  • saga.co.uk/car-insurance/breakdown-cover checked September 26, 2026

    Backs: Age range, Claims channels, Insurance types

    “Explore our different levels of Breakdown cover for drivers over 50”

  • saga.co.uk/car-insurance/faqs checked September 26, 2026

    Backs: Pricing model, Monthly payments

    “Our monthly or annual premiums can be paid by Direct Debit, subject to a credit check.”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Saga

Saga

Older UK adults wanting personal insurance under one insurer, with monthly payments available.

9.1/10See alternatives