Saga Car Insurance European Cover Reviews and Policies

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Posted Feb 4, 2025

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A historical covered wagon parked on a classic cobblestone street, showcasing European charm and vintage style.
Credit: pexels.com, A historical covered wagon parked on a classic cobblestone street, showcasing European charm and vintage style.

Saga car insurance offers a range of policies for European cover, with options to suit different budgets and needs.

Their European cover includes up to 90 days of cover per year, with no limit on the number of trips.

Saga's European policies also come with a 14-day cooling-off period, allowing customers to cancel their policy and get a full refund if needed.

Their policies typically include breakdown cover, which can be especially useful when driving abroad.

What Is Saga's European Breakdown Cover?

Saga's European breakdown cover is a car insurance add-on that protects you financially if your vehicle breaks down while driving in continental Europe.

You can add this cover when you get a car insurance quote online, and it's essential to add Saga Premier breakdown to ensure your policy covers Europe.

With Saga's European car breakdown cover policy, you can expect roadside assistance and breakdown recovery across 55 European countries and territories.

Credit: youtube.com, What is European Breakdown cover?

If your vehicle breaks down on the way, you'll be transported to your departure point, and if it breaks down within 24 hours of your planned departure, you'll have access to a hire car for up to 14 days.

This cover is perfect for driving in over 30 European countries for as long as you like, and Saga provides a handy guide to driving abroad to help you prepare.

Here's a summary of what's included in Saga's European breakdown cover:

  • Roadside assistance and breakdown recovery across 55 European countries and territories.
  • Transportation to your departure point if you break down on the way.
  • Access to a hire car for up to 14 days if your vehicle breaks down within 24 hours of your planned departure.

European Breakdown Cover Details

You can drive in over 30 European countries for as long as you like with Saga's European car breakdown cover policy.

With this policy, you'll have access to a hire car for up to 14 days if your vehicle breaks down within 24 hours of your planned departure.

If your journey judders to a standstill, you can expect roadside assistance and breakdown recovery across 55 European countries and territories.

Transportation to your departure point is also included if you break down on the way.

What's Included in European Breakdown Cover?

Credit: youtube.com, European Breakdown Cover

European breakdown cover is a lifesaver when driving in continental Europe. With Saga's Premier breakdown cover, you'll be protected financially if your vehicle breaks down.

Roadside assistance and breakdown recovery are available across 55 European countries and territories. This means you can get help quickly if you break down while driving abroad.

If you break down on the way to your destination, you'll be transported back to your departure point. This can be a huge relief if you're stuck in a foreign country with no way to get back.

You'll also have access to a hire car for up to 14 days if your vehicle breaks down within 24 hours of your planned departure. This can give you some breathing room while you figure out what to do next.

Here are the key benefits of Saga's European breakdown cover:

  • Roadside assistance and breakdown recovery across 55 European countries and territories
  • Transportation to your departure point if you break down on the way
  • Access to a hire car for up to 14 days if your vehicle breaks down within 24 hours of your planned departure

What's Not Included in European Breakdown Cover?

European breakdown cover has its limitations, and it's essential to know what's not included in the policy.

Credit: youtube.com, A guide to European breakdown cover by First Call GB Ltd

You won't be financially covered for extra repair costs if your vehicle can't be repaired at the roadside or your location of choice.

Fuel costs and spare parts are also not covered under European breakdown cover.

If your car breaks down due to towing or carrying more weight or people than it's designed to handle, you won't be able to claim on your policy.

Purchasing and Reporting Breakdowns

You can add European breakdown cover to your Saga car insurance policy when you get a car insurance quote online. It's a simple process that will give you peace of mind for driving in Europe.

To ensure your policy covers Europe, you'll need to add Saga Premier breakdown. This is the level of cover that includes European breakdown cover, and it's available to add to your policy at any time.

You can add Saga Premier breakdown to your policy by contacting Saga directly. They'll be happy to help you get covered for driving in Europe.

Credit: youtube.com, European Breakdown Cover | AA Ireland | What is it? Why do I need it?

If you're already a Saga customer, you can add Saga Premier breakdown to your policy at any time. Just contact Saga to get the process started.

With Saga Premier breakdown, you'll have access to a range of benefits, including roadside assistance and breakdown recovery across 55 European countries and territories.

Curious to learn more? Check out: Car Insurance with Breakdown Cover

Driving Abroad and Saga's Policies

Driving abroad can be a thrilling experience, but it's essential to have the right insurance coverage. Saga offers comprehensive policies for European destinations, including France and Germany.

If you're planning to drive in the EU, you'll want to know about Saga's policies. Saga Standard is the most basic level, offering coverage for up to 90 days of driving in the EU per year, but it doesn't include protection for your no-claims discount.

Saga Select is a better option, as it includes protection for your no-claims discount and unlimited EU driving cover. This policy also offers misfuelling cover, so you can have peace of mind if you make a mistake at the petrol station.

Here's a quick summary of Saga's policies:

PolicyKey Features
Saga StandardUp to 90 days EU driving cover, no protection for NCD
Saga SelectProtection for NCD, unlimited EU driving cover, misfuelling cover
Saga PlusPrice stays the same for 3 years, key protection, legal expenses insurance, unlimited EU driving cover

Driving Abroad

Credit: youtube.com, Lessons In Driving Abroad | Good Morning Britain

Driving in France requires a valid driving license from your home country, and you'll need to be aware of the French driving rules, such as driving on the right-hand side of the road.

In Germany, you'll need to purchase a vignette, a toll sticker, for certain roads, especially the autobahn. This costs around €7.50 per month.

Driving abroad can be challenging, especially in countries with different driving rules and regulations. To stay on top of your game, it's essential to research the specific requirements for each country you plan to visit.

France is one of the most popular destinations for British drivers, and you'll need to be aware of the French driving rules, including the minimum age for driving a car, which is 18 years old.

Germany has a well-developed autobahn network, but be aware that some sections are restricted to certain types of vehicles or have speed limits.

On a similar theme: Ski Insurance France

What Are Saga's Policies?

Saga offers three comprehensive policies to choose from, each with varying levels of cover.

Credit: youtube.com, Wise Owl Series (Eps 4) - Insurance requirements for driving abroad

The most basic level, Saga Standard, covers you at the same level as in the UK for up to 90 days of driving in the EU per year.

You can add protection for your no-claims discount (NCD) to this policy, but it's not included as standard.

Saga Select sits between Standard and Plus in terms of what it offers.

This policy includes protection for your NCD and you won't lose it if you make a valid claim due to vandalism to your car.

It also comes with misfuelling cover, giving you peace of mind if you make a mistake at the petrol station.

EU driving cover is unlimited with Saga Select.

Saga Plus insurance offers a fixed price for 3 years, as long as nothing changes (terms and conditions apply).

You're not tied in, so it's still your choice whether to stay with Saga at every renewal.

You can also leave mid-policy with no cancellation fee to pay.

This policy includes key protection, legal expenses insurance, and unlimited EU driving cover, among other benefits.

Here's a brief summary of Saga's policies:

PolicyMain Features
Saga StandardUp to 90 days of EU driving cover per year
Saga SelectProtection for NCD, misfuelling cover, unlimited EU driving cover
Saga PlusFixed price for 3 years, key protection, legal expenses insurance, unlimited EU driving cover

Reviews: Defaqto, TrustPilot

Credit: youtube.com, Defaqto 5 star rated car insurance for the over 50s.

Reviews from Defaqto and TrustPilot give us a good idea of how Saga car insurance stacks up.

Defaqto, a well-respected expert rating agency, has given Saga a 5-star rating for their car insurance. This suggests that their policies are well-regarded by industry experts.

Consumers can also share their experiences on websites like TrustPilot. While I don't have personal experience with Saga's car insurance, I can tell you that these reviews can provide valuable insights into the claim process and customer service.

Saga's home insurance, on the other hand, has received 5-star ratings from Defaqto for its essential, home, and tailormade policies.

If you're looking to buy travel insurance from Saga, you might be pleased to know that discounts are available, with up to 30% off if you apply online.

Here's a quick rundown of the Defaqto ratings for Saga's insurance products:

ProductDefaqto Rating
Car insurance5
Home insuranceEssential: 5 stars, Home: 5 stars, Tailormade: 5 stars

Frequently Asked Questions

Will my auto insurance cover me in Europe?

Your U.S. auto insurance policy typically only covers you in the U.S. and Canada, so you'll need a separate policy for driving in Europe. Check your policy details and consider purchasing international auto insurance coverage before traveling abroad.

What is European cover on car insurance?

European cover on car insurance provides minimum required coverage for driving in most European countries, with optional extensions available for longer trips. This coverage ensures you're protected while driving abroad, but details may vary depending on your insurance provider.

Which insurance company does Saga use?

Saga uses Acromas Insurance Company Limited (AICL) to underwrite its personal lines policies. AICL is Saga's in-house insurer.

Colleen Boyer

Colleen Boyer

Lead Assigning Editor

Colleen Boyer is a seasoned Assigning Editor with a keen eye for compelling storytelling. With a background in journalism and a passion for complex ideas, she has built a reputation for overseeing high-quality content across a range of subjects. Her expertise spans the realm of finance, with a particular focus on Investment Theory.

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