Decent enough service on the phone until you need to make a claim. I had a small accident in my car which was my fault and Saga have written of the car as an economic write off by insisting that it was taken to the most expensive garage around. Anyway that is not really my issue, what is very poor, after telling me that it is a write off, they then have to send off the car for assessment and explained that I will not get any recompense for 3-4 weeks, and they wouldn't supply a temporary car leaving me without transport to get to work, and no funds to purchase another vehicle. Also as I obviously no longer need the insurance policy where I had paid up front they will not give me any refund on it.