If I could have given SAGA no stars that would have been a more accurate representation of my experience. ON NO ACCOUNT USE THIS COMPANY. After having our house and contents insured with Saga for a number of years we had the misfortune of having to claim for a nearly new TV resulting from two parts of the stand separating. On contacting the number on the policy details for claims, which turned out not to be SAGA at all (they only leverage the Saga name to sell policies), we were told we were not covered for electrical or sound system items at all, despite our policy saying otherwise. Their claims are handled by a company called RSA which are the biggest bunch of shysters on the planet. On phoning Saga to ask them to sort out this misinformation regarding our policy Saga agreed we were covered and eventually RSA agreed they had liability. You would think that would be the end of the matter but far from it. RSA then falsely reduced the payout by claiming they could replace the TV cheaper by claiming it was available from John Lewis cheaper than the replacement we had purchased. Unfortunately for them my company has contracts with John Lewis and they confirmed that was rubbish. These people are dishonest shysters, pure and simple. Given that Saga are known for selling to older people, who may well not have challenged them or felt intimidated into accepting what they were told, it is disgraceful behavior. DON'T GO ANYWHERE NEAR THEM.