Saga use AXA as claims underwriters. The service I have received from them is very poor. My claim for a vandalised door mirror is still unresolved after more than two months. If you do not agree to using one of their ‘approved’ repairers they are not interested in reimbursement. In my case I needed the mirror to be replaced as soon as possible and my local main dealership were excellent in replacing the mirror within days. I will try to avoid any company who use AXA in future. Another reviewer wrote that Saga are not the lowest cost but quality does not come cheap. I would say in this case poor quality does not come cheap.