Unless there are two totally different companies trading as SAGA, then you should look long & hard at SAGA and think before taking any insurance out with them. They are only agents and although work hand in Glove with the insurance companies they pass all responsibility and basically shaft the customer when assistance is needed. as below explains; . After many years with SAGA. I like so many reviews here found them to be good for price. Alas that should raise several warning bells. as after many (over 11) claim free years (40 years driving) the following happened. 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 SAGA. (but not making any claim as the 30mm paint chip to my N/S bumper corner/edge was not worth claiming & marking record for) Providing police report and all letters to & from, and also to their 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. and despite many many requests they wont correct file blaming Axa Insurance & they in turn passing the proverbial bat back to SAGA. leaving the scammer richer by thousands & me penalized by marked NCB file Although I never made any claim on the policy, they still increased.and marked NCB file. Beware when insuring with saga !!! .Avoid SAGA and AXA Insurance. . I bet they won't publish this review.