I fail to comprehend how many customers give 5 star reviews without even testing Saga when it comes to a renewal or a claim. Why do customers give high ratings just because Saga are very efficient at taking their money ? I have recently foolishly taken out a 3 year fixed price car insurance. The price is not actually fixed as they fail to mention in any literature or adverting that you pay a yearly administration fee. You have to pay this admin fee whether your circumstances change or not. My second problem is that when changing to a smaller car part way through the year I am loaded with a 15% rise in premiums. And no that does not include the £25 admin fee which I actually expected to pay so absolutely no problem with that to be fair to Saga. However what is not fair is that a smaller car costing £10,000 less than the car I traded in .. a smaller less powerful engine and 2,000 less miles a year !!! Third problem.... promised by customer service advisor her manager would ring within 24hrs. Now plus 48 hrs and counting. 4th problem... asked by customer relations advisor to contact them. Its now plus 24 hrs since obliging them with the information as asked. Bet you can guess if they have actually responded... a big fat no. They now ask me if I would like to take out house insurance. I now award them 5 stars for their audacity !!!