I have just taken out MHF insurance they were cheaper by £200 on my Saga quote for this year. A couple of years ago I had to make a claim on my Saga insurance and they were very good at sorting it all out.
I would have stayed with them but the £200 price difference was to much to ignore.
I only hope that if I have to make a claim they will settle the claim as well as Saga.
As many people have said on the forum you do not know how good an insurance company is until you have to make a claim through them.