Axa customer treated appallingly After many years with SAGA. I experienced a incident last year where a van caused a crash for cash incident. No damage to me but presented a many thousand claim. And despite my first reporting to Police and fully detailing matter to AXA & their agent SAGA. Providing police report and all letters to & from, and also to the insurers AXA Insurance LTD (SAGA are only agents they don't insure you) they increased my insurance by over 50% (£100) and reduced my NCB this despite it being totally claim free & 11years protected. Which I paid extra to protect NCB. Now left saga and they have left the penalty to file. Although I never made any claim on the policy, they still increased.and marked NCB file. . Beware when insuring with Axa & saga !!! they will accept any claim against you no matter how the evidence is presented to show the claim is fraudulent & dubious. and one way or another get reimbursement from you. . .Avoid SAGA and AXA Insurance. . I bet they won't publish this review.