Had a water escape from a toilet at 0600 am, as we had Home Emergency Cover I called them for assistance. I was told, we don't have your policy number on file. I explained I had the certificate in front of me and it was still valid. The man o the phone said we are AXA and Saga have not given us your details so you will have to call them later. All this time I had a water escape which I couldn't stop. We called back at 0800 to be told Saga dont start until 0830. My wife stayed off work and called back at 0830 to be told Dynorod would call you within 2 hours. 7 hours later , yes 7 hours, Dynorod called to say they would be with us between 1200-1700, the next day! I quote from the policy booklet 'What is a home emergency? Put simply, for the purpose of the policy a home emergency is an event that happens suddenly and unexpectedly and needs IMMEDIATE action to a, prevent damage or further damage to your home or b make your home safe secure and inhabitable.' By 1630 today, we had heard nothing from AXA, Saga or Dynorod. I must say that at 6pm last night I called an emergency plumber at my own expense who attended within 30 minutes and had the job done an hour later. Just called Saga, who told me it was nothing to do with them, even though they sold me the Saga Home Emergency policy, and was AXAs problem. Apparently, Dynorod cancelled the job (nice of them). Would not now buy anything off Saga, they are a disgrace.