I have had reason to call Saga twice during the duration of my policy. Both times I have been met with unhelpful, argumentative staff. The initial price of the policy seemed reasonable, but beware! there are many hidden costs. I have just changed address, and my husband received a refund on his motor policy, as did my daughter - saga charged an additional £35, plus an admin fee of £25, or I could spend £50 admin fee canceling the policy. I certainly won't renew with Saga when the time comes, and would advise others to avoid like the plague! Thank goodness I've not needed to claim for anything!