My husband received a renewal nice for his annual travel insurance. He called SAGA telling them that he would renew in a couple of months as he wasn't travelling til then. SAGA indicated that this was a good idea.
When he came to renew about 6 weeks later the premium had increased by about £40. When querying this we were told that "there's a very good discount if you renew on the renewal date", this was not mentioned previously. He has looked on a comparison site and obtained a much better price. Goodbye SAGA !!