No trouble so far and excellent customer service when I had to make a claim. Car replacement was delivered to me and my car was taken in for repair at the same time. Repair which was quite substantial took about 7 working days and was returned to me and the hire car taken back at the same time. I did not have to travel anywhere or do anything as everything was taken care of from my address. Saga were one of the cheapest quotes but I am very impressed with the service so far. You do have to be over 50 to apply though. I just hope they do not increase the premium too much when next renewal comes around but time will tell. I would recommend Saga car insurance to anyone over 50 based on my customer service experience with them so far.