I would rate Saga -5 stars if I could..they are complete rip off merchants.. We had been with them a while and then changed our car..the new car being 11 years old and a Ford Focus Estate. Nice car but not exactly a petrol head's dream. The quote I got was nearly 3x more even though I have 12 years NCD. They blamed the underwriter..bs. I then shopped around and got insurance from another company for less than half the price they quoted. I therefore cancelled my policy with Saga. They now hit me with a bill for close to £84 for cancelling.. administration costs. Again bs DO NOT USE THIS COMPANY, YOU WILL GET RIPPED OFF. YOU HAVE BEEN WARNED