Insurance companies puzzle me! We have Home and Contents cover with SAGA. This year's premium renewal was about £18 less than last year - sounds good? No! I went on a comparison site, obtained a quote for the same level of cover which was about £100 less than SAGA. So I 'phoned and spoke to a very pleasant lady and once we'd agreed cover was similar, other than better cover for away from home, she then said without any further ado that the best she could do was to reduce the premium by £58! As I like SAGA (no hold music, a brief introduction and lucid call centre staff) I renewed. In years gone by when I lived 'darn Sarf' and was more stressed and grumpy, I'd have said why wasn't I offered the lower price in the first place and gone off on one, but now I live in't North I let it go. Moral: It pays to ask!