Just like most other insurance companies really. Great service, support and price while they bring you on board and take your money; then shocking when you have a problem or they owe you money. I firmly believe that few insurance companies deserve our loyalty, and we are better off just accepting it's a one year deal and move on. In my case they gave me a good price/good cover for car insurance on my current lease car. Trouble was that someone bashed my old lease car just a few months before I changed. Whilst it wasn't my fault, there was a typical delay from the third party's insurer and therefore the claim was open when I moved to SAGA for the new car, and underwriting rules are that whilst the claim is open, insurers treat it as your fault. The result was a higher premium than it should have been for the new car. But don't worry, it's ok SAGA tell me, they will reimburse the difference when the claim is closed and proven not my fault. What they didn't say was that two months after the claim closed, lots of emails and calls, and loads of excuses from SAGA, it's all gone quiet at their end. No response, no reimbursement! Now I don't know whether this is just typical of SAGA's car insurance arm, rather than all their services (reading some of the reviews on here, other areas of the company seem fine), but it is certainly making me think that SAGA the brand is not what i expected it to be. I doubt I will get any response or money out of them, so I will just wait until the year's insurance runs out, and then just move on again.