Have been insured with Saga for the last couple of years , I have full ncb , and have my wife as a named driver .My wife had a accident , in her own car not mine , which is insured with a different company , it was not her fault the other driver admitted it was there fault, and there insurance paid out . Since then my wife has renewed her insurance for another year NO INCREASE IN PREMIUM. Saga however virtually doubled mine . WHY ? its a mystery I DO NOT RECOMMEND THIS COMPANY!