Policy Expert vs Saga
Compare car insurance features, coverage, and pricing between Policy Expert and Sagato find the best protection for your vehicle.
Company Information Comparison
| Feature | Policy Expert | Saga |
|---|---|---|
| Established | 2001 | 1951 |
| Underwriter | U K Insurance Limited | Saga Insurance Services Limited |
| Market Position | Mid-range | Senior-focused |
| Customer Service Hours | Mon–Fri: 9am–5pm | Mon–Fri: 9am–5pm |
| Claims Satisfaction | 3.9 | 4.2 |
| Financial Strength | A | A+ |
| Mobile App Rating | 3.7 | 3.9 |
Policy Features Comparison
| Feature | Policy Expert | Saga |
|---|---|---|
No Claims Discount Years protected | Up to 2 years | Up to 5 years |
Telematics Option | ||
| Multi-Car Discount | ||
New for Old Replacement Vehicle age limit | Up to 1 year | Up to 2 years |
Uninsured Driver Promise | ||
| Paperless Discount |
Starting Premium
£250.00
Policy Expert
£260.00
Saga
Maximum Cover
£5,000,000
Policy Expert
£5,000,000
Saga
Total Policies
3
Policy Expert
3
Saga
Comprehensive Cover
Full Coverage
Policy Expert
Full Coverage
Saga
Premium Analysis
Features Comparison
Policy Type Distribution
Policy Expert
Comprehensive
1
Third Party Fire & Theft
1
Saga
Comprehensive
1
Third Party Fire & Theft
1
Making Your Decision
When comparing Policy Expert and Saga, consider how each provider's strengths align with your specific vehicle and driving needs. Policy Expert's average premium of £350.00compared to Saga's £346.67 should be weighed against the coverage and benefits each provider offers.
Key Differences:
- Premium range and pricing structure
- Coverage limits and exclusions
- Available policy types
- Claims process and service features
Next Steps:
- Review detailed policy documents
- Check for vehicle-specific coverage
- Consider your no claims bonus
- Compare excess options and limits
Remember that the best choice depends on your individual circumstances, including your vehicle's age, make, model, your driving history, and your budget. Consider getting quotes from both providers to make a fully informed decision.