Saga Car Insurance Reviews

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★★☆☆☆
1.6
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Latest Reviews

““Leaving reviews wherever I can to share the sheer...”

★☆☆☆☆

written by bfSmith458 on 04/04/2024

“Leaving reviews wherever I can to share the sheer gouging of existing customer with saga. I have been with SAGA for around 10 years and never ever with 'auto payment' because after about 4 years every time they increased premium on 2 cars, but by about 10% and each time I called and got it back down to almost last year's premium. But like others here, I just got renewals on the 2 cars: one up by 80% and the other 100%! No changes to anything- same address, no claims, no tickets etc etc. Before I called them, I went online and spent 3 hours on multiple sites and even managed to find quote from comparable insurers like RAC, AA etc. And, I saw 80% of the quotes in a long list from providers were all lower and similar to last years prices for me! So I called Saga with info ready, and spent 10 minutes laughing hysterically at the script of defences that I am familiar with as I get them every time I have called them: "prices went up", okay I get maybe 10% in current climate - not 80 and 100%, "more claims for the industry", really guys? the UK motor industry in 2023-2024 'exploded' in claims?, and my favourite of all time, "we use a panel of 10 underwriters and pick the cheapest"- really? So. I can go online on comparison websites and even selected individual insurers where 80% of insurance quotes are lower than last years making them 90-120% ish lower than the renewals that SAGA tried to double? Wow...so the same underwriters have 'suddenly' whacked up their costs and yet the majority of the insurance sector can even lower my premiums? What a joke. The 'best offer' from Saga? "We can reduce your premium as a loyal customer by £20"- wow…so generous. And this is why the legislation changes that came in to try and stop insurers gouging existing customers are an absolute farce! Search on this and you will find many money experts who outline exactly what I found- insurers use all sorts of 'technicalities' like “sorry you bought on a Tuesday evening..not Monday morning so we will gouge you” (you get the point). They still do what they want. So SAGA, this is a joke. The fact that I can find dozens and dozens of insurers that can insure the cars even lower than last year's premiums make a mockery of every scripted excuse provided and are clearly gouging to a disgusting extreme. And do we really wonder why inflation keeps getting driven up? I will never ever go back to SAGA. The 'justifications' for doubling premiums are embarrassing and dont stack up against the industry. Avoid avoid…

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“diabolical increase on car insurance”

★☆☆☆☆

written by Moseros42 on 22/02/2024

I have spent many years with Saga car insurance....currently in the process of renewing for this year. Last year my policy cost £350. Think we are all aware that car insurance was increasing this year...but Saga want £822 for their basic policy. More than a 50% increase!! Having looked at other sites comparable policies come in at £5 to £6 hundred. So their price is extortionate.....can not understand how they justify this. I think it may be linked to the number of policies they have sold with a guaranteed three year price.....guess someone has got to subsidise this in the light of what the increases would have cost without that guarantee. Will obviously not be using them again.

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Sallybridgman's Comment

Written on: 14/03/2024

Shocking. Had similar. Had two cars with them and was happy until this year! Can’t get through to anyone however hard I try ????.

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“Saga Car Insurance Beware!”

★☆☆☆☆

written by Holden370 on 29/01/2024

Saga Car Insurance Saga Car Insurance. Having insured my car for a year and having paid upfront, I called them to discuss changing my vehicle on my policy. Far from being helpful the situation fast became a nightmare. I was quoted a ridiculous price increase even though the car I was changing to cost far less and should have been a lot less to insure. I have 4 months to run on my policy which I had paid for upfront last year. I decided to cancel the policy and was told I would have to pay a cancellation fee and that I would get a rebate for the remaining months left on my policy. The lady I spoke to cancelled the policy from the 1st Feb ( a week later) Within 40 minutes I called back to ask that this not be done as I had a change of heart. I was told a flat no and that it was not possible to re-instate the policy as I had cancelled it. This was a mere 40 mins later. Aren't consumers allowed to change their mind? Apparently not re Saga - very happy to charge me the cancellation fee and really had no care whatsoever for an existing customer. What made the whole situation worse was that I was promised that my complaint had been raised and that I would hear from someone - that someone never called! Another broken promise and a really don't care attitude - I would beware of insuring your car with this outfit!

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“Horrendous Company, Stat Well Clear”

★☆☆☆☆

written by PaulCunningham on 14/01/2024

Unfortunately this system doesn't allow you to give no stars as Saga's customer service is absolutely shameful and useless. Having spent an hour on the phone and being told there is no Manager in, they admit they work from home. This folks is why they don't answer your calls as they are working on the cheap whilst rinsing the older generation on renewals. STAY AWAY Despite being with them on a 3 year deal in the past they have raised the renewal 6 fold and having agreed to a new 1 year deal they still decided to renew on a more expensive 3 year deal.

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“50 minutes to answer a call, consistently!!!!!!”

★☆☆☆☆

written by Fionagibs on 25/09/2023

We have had several policies with saga over the years, they had a good reputation, what we really liked was that they answered the phone when you contacted them, and the staff were really helpful and nice. Unfortunately, this is no longer the case, we will not be using them again, I had a cracked windscreen, I had to wait 3 weeks before they were able to get someone out to fix it, took the day off work, and they didn’t turn up, not happy, but re-booked for the following week, guess what, no show again, they out source screen repairs, what was also so frustrating was the number of calls I had to make, with an average wait time of 50 minutes, the third day I had off work, they eventually turned up, by this time my screen was cracked from top to bottom, this could have resulted in points on my license (which the screen company said it couldn’t -wrongly). We have moved house and wouldn’t have been easy to change address on the my saga app, no such luck, not able to do it on the app, but can do it on a online chat, but they cut you off after 12 mins whilst waiting for a connection. So again 49 minute wait for the call to be answered. The staff are good to deal with, but saga are failing them miserably, once you have waited 50 mins for a call to be answered then they are going to be dealing with very frustrated customers. NO FUTURE BUSINESS FROM US

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“Abysmal customer service - stay away from this company. ”

★☆☆☆☆

written by Haggisman on 22/09/2023

If I could award minus stars I would. Absolutely atrocious customer service. Attempting to contact yet again by phone to resolve a claim concerning a cracked windscreen repair following a third party fault car accident. Telephone answered after half an hour but the Saga responder (Chantelle) wasn’t able to resolve so suggested she put me through to the ‘claims department’. Not happy that again I would be placed in a further call queue I asked that before she transferred me she first check that the claims department were answering calls. She suggested they may not answer!!? I specifically asked that she comes back to me to inform me if the claims department were answering calls before she transferred me. “No problem I’ll get back to you”. I then stupidly trusted her to get back to me but was left hanging on for a further 35 minutes before the battery on my phone died. Yet again unable to resolve my problem following a claim going back to May this year. Many phone calls ago I complained to the SAGA telephone responder that typically I have to wait 30 -40 minutes to obtain a response. I was informed that this was normal and customers may wait beyond one hour to receive a response. I am obviously extremely frustrated at the length of time it takes to obtain a meaningful response and service and wonder why, in view of the many complaints the CEO is either oblivious or doesn’t appear to care about the extremely poor service offered.

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“No customer service ”

★☆☆☆☆

written by Tracy146 on 05/09/2023

2 phone calls over 25 minutes each. Both hung up by Saga. Chat service didn't solve my problem with my account. Not possible to get into my online account. Have wasted over two hours now. Tried write a review on Trust Pilot and my account was suspended. I guess this is why their reviews are highly rated.

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“55 minutes ”

★☆☆☆☆

written by JacquelineHale on 30/08/2023

I had a question about my policy renewal. Chatbot couldn't answer it. I needed to speak to a human. Waited 55 minutes to speak to someone. WAKE UP, MR CEO.

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“car insurance renewal ”

★☆☆☆☆

written by Turner394 on 25/07/2023

went to saga from LV last year. Have driven since 1965 with clean licence and now have 57 years no-claims (yes 57). Drive a 1.6 litre Zafira - as dangerous as a sofa. Renewal date this year wanted 40% increase. Now back to LV. Be warned!!

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“Post accident claim”

★☆☆☆☆

written by Bradya1993 on 09/03/2023

Really poor service/support after I had an accident. Told me that they "only act as a broker" and I would need to contact the insurance company directly. Insurance company then proceeded to mess me about and I had to wait over an hour and over forty mins as two examples, when trying to get through to them about my claim. Better to look elsewhere

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“**STAY AWAY** An absolute nightmare and incompetent...”

★☆☆☆☆

written by Juanr297 on 28/12/2022

**STAY AWAY** An absolute nightmare and incompetent company. Please read for your own benefits. I made a non-fault claim back in October when a speeding third-party tried to overtake me and hit my car. It took THREE days of my calling Saga to finally record the details of what happened and claim to be raised. After a WHOLE month and 18 back-to-back emails asking silly questions like: • “how long have you lived at your address”, and • “Do you take the car to work and where do you park it?” Saga failed to obtain the liability from the third-party’s insurer. They did not bother to check the CCTV of shops where the accident occurred. After 2 months of constant pointless calls asking to explain how the accident happened OVER AND OVER AND OVER AGAIN, Saga cancelled on me. I found this out when I called for an update and was told today was my last day, when I asked for an explanation, Saga claimed they sent me a letter 10 days prior — Totally Wrong! Stay away from this company. They might be offering cheaper price and now more than ever everyone is concerned about money but pay the few quid more elsewhere.

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“If I could give zero stars I would”

★☆☆☆☆

written by Kirklandgl468 on 13/10/2022

If I could give zero stars I would. This is the worst car insurance company that I have had the misfortune to deal with. I made a non-fault claim in May 2022. Saga failed to obtain the liability from the other insurer resulting in me having to pay my excess for the repairs! They lost evidence sent to them. They seem to ignore the fact I had a police car right behind me who provided me with all the details I needed for my claim. I have not been kept updated from Saga, despite their boasts that they do. Saga have appeared to just not care. I have formally complained to them and have now referred the matter to the Financial Ombudsman (as instructed by their own complaints handler!) So much for caring for older people!!

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Legacyone's Comment

Written on: 31/10/2022

This organisation is awful. I would not recommend them at all. I have a new claim which was handed over to their company that deals with care hire and repairs - Enterprise. I had a flurry of calls initially - I work and cannot take all calls at any time. After giving all the details to Saga I then had to go through the whole process again with Enterprise. Then they needed to send me a form via email. They left a message for me to contact them but you can't get through. I left a message - no one gets back. Someone else rang last week asking for my email address but having given them the address, I am still waiting for documents. I have tried to ring Saga this morning and after one hour on the phone and speaking to two people from different section of complaints have been told that there is a wait of on hour when you ring the claims department. I have asked for a call back which is going to happen within 24-48 hours! Fortunately, the damage to my care was only cosmetic but had the damage been more extreme and the car not drivable I would have been without a car!

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“Abandoned us”

★☆☆☆☆

written by AvoidSaga on 16/07/2022

I have always thought that Saga was a trusted name in insurance. However after the treatment I have received over the last three years trying to settle a claim after someone crashed into us I cannot express anything but disappointment. Saga washed their hands completely of the case, referring us to their underwriters who bogged us down in a lengthy legal dispute even though the other driver admitted full responsibility.

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Antisaga's Response to AvoidSaga's Review

Written on: 26/08/2022

This does not surprise me.

As a former employee of Saga in my opinion the business has deteriorated significantly over the last Five years due to poor leadership especially within the claims arena.

Saga has a panel of underwriters where they send customers where it’s own underwriter (Acromas) does not want to insure the vehicle or person (risks).

Goes without saying Saga takes a percentage of the policy sale via commission etc.

I’d strongly advise you to shop around as much cheaper insurers and better customer service.

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Was this review helpful? 7 0

“Extortionate cancellation fees”

★☆☆☆☆

written by Kenney289 on 04/02/2022

I cancelled my car insurance and the fees they charged to do this was extortionate. Need to consider this when buying car insurance.

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“Absolutely dreadful when making a claim”

★☆☆☆☆

written by Jase1974 on 21/01/2022

I was asked by a long standing customer to repair their vehicle. Innovation group who handle their claims took a month to authorise repairs. Most companies take three days. I rang every day for three weeks but they refused to give me a contact number for an engineer who could authorise repairs. Obstructive and unhelpful they finally authorised then stated 45 days payment terms. They have now missed their payment date and I have handed invoice to a debt collection agency. Incompetent slow and unhelpful beyond belief. Disgusting way to behave. They don’t even pay their bills

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Was this review helpful? 9 0

“enjoyed renewal!”

★★★★★

written by pipefish24 on 11/06/2021

Just renewed car insurance,the scots lady I dealt with was not only fast and efficient but enabled me see the point of going from select to plus.Her whole approach to this transaction was so warm and personal that I would renew monthly, rather than yearly, to have similar conversations! I don't know names but I hope this member of your team is regarded as highly as I found her to be.

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“do not disclose their fees”

★☆☆☆☆

written by raycodevon on 11/01/2021

I was charged £25 to renew a policy and £50 to cancel it for a small premium (£150) neither fee was disclosed before I bought the insurance. My complaint was dismissed and I had to resort to the ombudsman who got me £50 back, but this took many, many emails and 18 months. I couldn't be more unhappy and will never buy a Saga product again.

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“Do not use”

★☆☆☆☆

written by mickyWilkerson on 21/01/2020

Company ok until you have to claim then you will regret ever going with them. Worse insurance company i have ever been with & I'm 61. 4 months to resolve & I'm out of pocket by over a £1000 in an accident i was totally innocent in. Pay a bit extra & go with a company more competent & more professional just in case you need to clai

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Vmax9394's Response to mickyWilkerson's Review

Written on: 28/10/2021

Having sane problems, their contracted vehicle collection company is terrible, promises made to collect and call but nothing heard.
Documents sent back to the email sent on but when I checked they stated nothing received and apparently I had sent them to a different email address?? Days after and still not had vehicle collected by insurance approved engineers

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Antisaga's Response to mickyWilkerson's Review

Written on: 26/08/2022

As a former employee of Saga I can sympathise as the claims operation is poorly managed by its leadership team.

The claims operation is under resourced due to its employees leaving due to poor working conditions.

So much knowledge and experience has left.

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“Won’t budge on price ”

★☆☆☆☆

written by Kilvington1 on 07/01/2020

I’ve recently cancelled my house insurance and now 2 car insurances with saga.i went on the comparison sites and saved over £800 a year.They weren’t bothered I’ve never claimed and didn’t realise until I researched that they are so expensive compared with exactly the same cover elsewhere

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“They charge for non fault calls.”

★☆☆☆☆

written by Holden82 on 26/03/2019

Rang to inform them that my wife's car had been hit whilst parked in a supermarket car park, no one in it. The third party kindly left a note saying she was responsible and gave her details. I phoned all my insurance companys for my vehicles, as I am a named driver on my wife's insurance and saga were the only ones to say we are going to charge you £14.96 mid term penalty for reporting this. How discussing is that, what a bunch. Will not be using ever again....

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Asked by Malrieuorhillcrest on 30th June 2014 Report this content
Saga provide unlimited European use on their car insurance which is the main reason I use them. Has anyone any experience of them being difficult about cars parked at secure airport car parks abroad? I am in France and flying back to UK for a couple of weeks to see the kids, leaving the car at Toulouse airport. Have read the policy and it looks OK but the circumstances are unusual perhaps. Grateful for views.

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