Saga the clues in the name tears, long stories and absolute frustration, staff toeing the company line with no empathy at all for your unforeseen circumstances, through no fault of your own. If you get hit by a Saga driver I WOULD HIGHLY RECOMMEND YOU DO NOT accept their call to take on your claim, it might possibly save your no claims bonus but at what cost. They offered to take away the damaged car and have it fully repaired and provide a loan car. They don't mention if they deem the repair un-viable they will write it off ! They take days and weeks to respond and I personally felt they manipulated us into submission! Final straw they give you a loan car then say you can keep it max 5 days after agreeing a settlement that takes 7-10 days to pay into your bank account, so your car less ! and all because they've used a third party company to value your cars repairs at top dollar prices! Does the picture look like £4000 worth of damage !??