taken out saga travel insurance many times always happy with premium,had insurance with them for trip to majorca in june with declared medical conditions. Had quote last week for trip to majorca in september same medical conditions as before premium increased by £482 , rang saga to question why,told because i had birthday in july, £482 MORE FOR BEING 2MONTHS OLDER. THEN HAD QUOTE AGAIN FROM SAGA WITH LATER DATE OF BIRTH.IE 1YEAR YOUNGER STILL SAME PRICE .NOTHING SHORT OF A RIP OFF.NEEDLESS TO SAY WILL NOT BE USING OR RECOMMENDING SAGA AGAIN. I also see they have changed underwriters since we purchased our first insurance