Beware this Saga trick to avoid cashback
I applied online for Saga travel insurance, which turned out to be quite expensive due to pre-existing medical conditions. Saga gave a good price relative to familiar-branded products, but not the cheapest. Having obtained an online quote, at the end of the online process instead of being asked for payment I was instructed to ring a telephone number whereupon I was asked to go through all the details again. Took about 30 minutes. I was then given another very slightly cheaper quote, and a small discount for providing details for a future motor insurance quote. I authorised payment over the phone. Not surprisingly the transaction did not track with Quidco, but I didn't check until I returned from holiday. Quidco doggedly chased this for me, full marks to them, but it was almost six months from the transaction before Saga paid up the cashback.
BTW, I did not make any claim so cannot comment on Saga's claims handling.
Moral: only buy if the product is right for you, and don't take cashback into account when making price comparisons. I