Unfortunately could only give 1-star as there is no provision for ZERO! The most stressful time of my life dealing with a claim through these useless people, SAGA has made a SAGA of our lives throughout this claim, 2- years plus since our claim for storm damage that wrecked our home and we are still dealing with the total fiasco that Saga and their nominated insurer and claims management co- Direct Group has created, it is now lodged with the Ombudsman but still they keep sending me 'surprise' insurance invitations with a made up defaqto or should it be DEFECTO rating!! Would not recommend Saga to anyone, the worst experience in my life, they should be brought to book for miss selling, avoid at all costs.