I have used Saga insurance products for years for Home, Travel and Car and always found them fantastic. Unfortunately, we had an accident in our car recently and Saga handed us over to the mercies of AXA who are the underwriters. They have been abysmal. It has taken us almost three weeks to get to the stage where the repairs can be carried out. They asked to collect the car this afternoon and I made it abundantly clear that I could not be left without a car as we are going away on holiday on Monday. The car is driveable and so we would have just about managed with it until we got back. Our policy states that we are entitled to a guaranteed replacement car. They said that it shouldn't be a problem but they could not organise the replacement car until our car was collected. Within half an hour of collection they emailed me to inform me that they were not going to provide a replacement car - even though it states guaranteed on the policy - because they don't provide cars for holiday use. They must have known that before they picked up the car and we would have asked them to wait to collect the car until our return. They have left us stranded, I am a Blue Badge holder, we are both elderly and they do not care. Disgusting service and basically downright lies.