The last timeq we went abroad, February 2012, we paid £160 for 1 weeks's European travel insurance. I approached Saga again yesterday for a quote for 1 week in Majorca in June. They refused to cover us. the only discernible change has been the introduction of NIV at night. I ended up paying £381 from another firm. Saga were unable to say why they had refused our request this time. I found this very disconcerting it's like taking part in a game whe rules can change without any explanation. How have others coped with getting travel insurance?