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. . OK Ciao, this is my second attempt at writing this review, my last 400 & odd words have just vanished, thanks Ciao.
SAGA insurance, or I really should say UK Insurance Ltd who underwrite it, seem to be a pretty good company. I have been with them for nearly a year, since I reached the magic Five Oh.
I went online to find a competitive price, and although Saga was not the cheapest, it seemed a lot cheaper than most. The cover was just what I wanted, so I went for it. As yet I have not had to claim so can not give feedback on the service.
My policy covers social domestic & pleasure, with full no claims bonus, (protected) and legal protection. The legal protection cost an extra £20 which I thought was a little on the expensive side.
New for Old??? Surely not! Oh yes, the policy really is a new for old one. If your vehicle is stolen and not recovered, or is damaged and the cost of the repair is more than 60% of the manufacturers list price, then Saga will replace your vehicle with a brand new one. This applies if your car is less than two years old, and has done less than 12.000 miles.
One good piece of cover is for radios etc. Cover is free and completely unlimited for all audio/visual and/or communication equipment (as long as it is permanently fitted in the vehicle)
Personal belongings cover, these are covered up to a maximum of £1000 - BUT in December it rises to £2000 for gifts bought or received.
In the event of you needing a car while yours is being repaired, as long as you use their approved repairers, you will have the use of a courtesy car, however you only get it for two weeks.
If you are venturing into western Europe, you are fully covered, and if going further than the EU you will receive a green card free of charge. You also have to option of breakdown cover, this starts at jus £32.
My no claims bonus is protected, and I am allowed two claims in five years (Glass does not apply).
In the event of an medical emergency, the car is covered while being driven by anyone with a licence, so long as you are in the vehicle. The car is also covered for any driver while being driven to your home, AFTER a medical or motoring emergency.There is a personal helpline for any problems you have relating to motoring matters, this is 24 hours a day, and is manned by a team of experts and solicitors. The service is free, and any advice can be confirmed in writing if requested.
Trailer cover, any trailer or caravan you tow is covered, but must be in accordance with all legal regulations with regard to towing.
Payment. You may set up a direct debit, pay by credit or debit card, Visa Mastercard, Maestro or whatever, however, if you want to pop a cheque in the post, it will cost you an extra £3 for "administration fees" You would also lose the 20% discount for signing up online.
Excesses:- The excess for a fire & theft claim is £100, it rises to £200 if the damage is accidental, windscreen replacement will set you back £75, however if the screen can be repaired, then you won't have to pay any excess.
All in all, I would advise giving the website a look, there is some good advice on ther, and get a free quote while you are there. You do not need to be over 50 to apply by the way, but your quote may be more expensive.
Registered Office: The Saga Building, Enbrook Park, Folkestone, Kent, CT20 3SE