I had to cancel my insurance as my car was scrapped. I am a pensioner who lives on just my reduced married woman state pension and after I had cancelled my policy I had a letter saying that I owed £76.+ on my cancelled policy. I was not informed in our phone conversation that they would charge me a £50 policy cancellation fee and 26+ pounds for the legal protection. I rang and told them I was a pensioner and that this amounted to nearly a fifth of my monthly income, but the lady concerned said I was told at the time of taking out the policy that these charges would apply. It was a case of 'tough' Not only will I have to reduce my heating in the house now I will also have to reduce any payments I make to my grandchildren for christmas. Well done Saga. You are supposed to help the elderly not fleece them. I shall never use you again and will make sure all my pensioner friends don't touch you will a barge pole. Lets hope you and your staff never get old.