Insurance premiums are always going to be a hot topic. I am also with Saga, and although not the cheapest the premium I pay is very competitive. As already mentioned though an important point with insurance is how you are treated if you make a claim.
I was with Churchill, and had to make a no fault claim. I had written proof of the other parties liability. It took 2 years to settle the claim, and a further 3 years to get my excess refunded after countless phone calls, and emails to Churchill being bounced around various departments with calls never being returned.
When I made a no fault claim with Saga the difference in the way I was treated was incredible. When ever I called them I was informed they would ring me back shortly, and they always did within 10 minutes. The return call was always the same person knowing all the details of the claim without me having to go through things every time. They provided me with a new Mercedes C class for the duration of my claim with a fully comp no excess insurance policy free of charge for the duration of the claim. This against "a tin can on wheels (Crysler Spark)" that Churchill provided insurance covered on my policy.
Although I can sympathies with Malcolm he did take out a policy with Sags at an price he was prepared to pay for the yearly millage agreed . Saga kept there part of the agreement as far as premiums not going up. Insurance also covers things like fire, and theft that is not millage dependent.
It is not Saga's fault he did not use up the millage quota. If he wished to buy insurance based on the actual millage done each year he should have bought from a company that was prepared to do this. You cannot go into a shop, and buy 1 kilo of nails, and go back a year later with 1/2 a kilo demanding half your money back.
John.