I have been with saga home insurance for the last two years, with a 3 year lock on the premium of £361.92 . In January 2024 I had a claim for a broken screen on my tv. Saga paid out £240 towards a new TV. At the time I asked the Lady dealing with the claim if my premium would be increased because of the claim and I was advised that the premium would remain at £361.92 for the third year. I have just received my renewal for the third year at £494.07. An increase of £132.15 because of a £240 claim. So if you are with Saga on a locked premium for 3 years just bear in mind, that if you have a claim Saga will increase your premium by more than 50% of your claim and tell you the premium will only stay the same if you don't claim for anything, no matter how small the claim is. Another insurance company that is out to rip you off. Makes you wonder if it's worth having insurance.