Taken Saga insurance for many years, and thought them great. However, for the first time I claimed on my home insurance for storm damage!. Despite the obvious damage Saga wouldn't pay out!! The reason? Their surveyor refused to look in the loft (no safety equipment) and had no way of reaching the roof (no ladders, nothing). Hence found nothing amiss to cause the damage and insurance wouldn't pay out - yeah, I couldn't believe it either. I though SAGA were different and trustworthy - but really, they acted just like the comic book version of standard insurers. Will just have to write it off and take the lesson.