Took home insurance with them last year on a 3 yr fixed price. They were more expensive than others but the attraction of 3 yrs fixed price swayed it. Not just on price, but the fact I wouldn’t have to spend hours on the phone next year looking for quotes. When you have complicated needs as far as values are concerned then this isn’t a simple process. Coverage world wide, outside of home, posssessions whilst out of the home, single item limits etc. So when the renewal turned up ( note no claims were made) we were surprised to see an email asking for info like age of house, trees location etc ( considering this is contents only why ask??). We challenged the questions and it took them nearly 2 weeks to come back and demand the answers as they had changed underwriters. So another hour on the phone talking to them turns out their underwriter had decided to remove flood cover from the policy. They then said they could cover me for the same money ( close to £700 premium ) but without flood cover. We live in a safe area, no history of flooding anywhere near us. Long story short, they say the 3 year fixed price is subject to terms ( no where does it say they’ll charge the same for half the cover!!!). Furthermore, I’ve ended up insuring with one of their underwriters through another broker. Yep, same underwriter!!! So tell me Saga, the only reason you won’t honour the fixed price deal is because your underwriter wants to charge you more, NOT because they won’t provide the cover. That makes you Saga, one of the most dishonourable companies I’ve come across in insurance. I own three companies and spend a fortune in insurance - never come across these type of people before.