Not the very cheapest on motor insurance,but on comparison with other policies, offered competitive terms and cover.so I renewed for a further year. However,the renewal deal was done on the phone the day before the renewal,but having paid £276 for a Lexus 250 SE-L, I had letters from SAGA yesterday saying renew at £249 ,which I am questioning. It may be the application of £25 for Admin,which I disagree with. If you buy a policy you do not expect the insurance company to charge you a fee for the paperwork ? Most deals these days are on-line,so no printing of paper for the insurer,only for the client should copies be needed,UNLESS YOU INSIST on paper copies by post. Even then it seems like a premium has been added,a bit like the 20% automatically on USA restaurant bills to pay for the staff!!!! They wanted to sell other stuff,home insurance,cruises etc and issue e-mails on their other products,so they can keep the sales curve intact over time. Of course you can refuse this. Overall I have no massive negatives(£25 admin fee aside), like all commercial business's they want to sell you more,you just have to be ready to say no,should you wish to. So far the e-mail paper response has been quick.