Cover and benefits Saga Select Saga Plus 3-year fixed price – you can expect to pay the same price for 3 years if the policy details stay the same – even after most claims, based on claims made in 2019 and 2020 (): No: Yes: Claims promise – your NCD while you stay with Saga will not be affected by claims caused by theft, fire, storm, flood, animal damage or if your vehicle is hit while ...