Please be very careful when obtaining car insurance through Saga. We had been with Saga for a couple of years but when in November the latest renewal came through it had jumped in price drastically, so we decided not to renew as our old car simply wasn't worth it and we planned to upgrade the car in the next few months. We then spoke to an advisor on the phone who sold us a policy which we believed to be renewed automatically every 3 months unless cancelled by us without penalty. This seemed the perfect scenario as we didn't want to incur additional admin costs etc. which some less reputable companies charge. So, less than 3 months later we sold the car and informed Saga immediately. To our surprise a few days later a demand for over £80 landed on the doorstep claiming we owed this due to curtailment of the 12 months insurance. This is not what we were led to believe. However, we were told this was in the terms and conditions and of course can't prove otherwise. What makes matters worse is that the car was only worth £100 in part exchange value! I think it is disgraceful that a company like Saga who we always thought of as a company to treat older people with dignity and respect should lower themselves to such money grabbing exercise. I would not expect a company like Saga to deal with such underwriters and certainly will now never deal with Saga on any level, be it insurance, holidays or anything else ever again nor recommend.