Before your policy is due to end we will let you know by email, phone, or letter if we are able to continue offering you insurance.
The insurer for your policy does not guarantee to offer a renewal quote. If that is the case, we will try to find you cover with another insurer on our panel. If no other insurer on our panel is able to offer you cover, we will aim to give you at least 14 days' notice before your existing policy ends.
If your policy is not renewed, it will end, and you will no longer be covered.
If we can offer you renewal terms, we will attempt to renew your policy automatically.
If you don't want your cover to automatically renew and you want to opt out of this 'automatic renewal' process, simply contact us before your renewal date to end your continuous payment.
You can opt out of automatic renewal at any time during your policy with us. This can be done online, by using the contact us link or via live chat or, you can call or email us. You can also use the same contact methods to opt into automatic renewal.
Automatic renewal (paid in full policies)
If you have paid for your policy in full we will try and renew your policy using the payment card details that you used to pay for your previous policy.
About one month before automatically renewing a policy, we will pre-authorise your previous payment card with £2. This does not transfer any money to us, but temporarily reduces the money available to spend on your card. After a few days (depending on your bank) this reserved amount is released and is available again on your card.
If we find that your card details have changed, we will ask our payment service provider to update the card details they hold.
These are standard procedures in the insurance and financial services industry. We do this to:
- check that your method of payment is still valid;
- give us time to contact you if there is a problem; and
- make sure that your insurance will renew on time, without a break in your cover.
Please note that if we are unable to update the card details, we will not be able to automatically renew your policy
Automatic renewal (Direct Debit policies)
If you pay monthly for your policy by Direct Debit, we will renew your policy using the same bank details you provided for your previous policy.
What we need from you
We rely on the information you give us when deciding whether or not to offer you an insurance quotation. You must take reasonable care to provide full and accurate answers to the questions we ask when you take out, make changes to and renew your policy. If you do not give us full and accurate information, we or your insurer may cancel your policy (or policies), refuse to pay any claim, pay only part of a claim, alter the extent of your cover or treat your policy as though it never existed. Also, your details may be added to the national Insurance Fraud Register.
You must tell us about any change in your circumstances (based on the answers you gave to our questions) which happens before or during the period of insurance.
It is important that you tell us about a change before it happens or as soon as you know about it. When you tell us about a change we will let you know if it will affect your insurance.
We may need you to provide us with documents as proof of information you have provided.
For motor insurance this may include such items as:
- proof of previous insurance, e.g. no-claims discount
- copies of your driving licence
- your vehicle V5 document
For home insurance, this may include proof of ownership of various items. If we do ask you for proof, your policy will be invalidated if you do not provide it to us in the time frame that we specify.
Proof of no-claims discount
What proof do you need?
If you take out a motor insurance policy with us, you must provide evidence of your no-claims discount when we ask for it.
- only accept no-claims bonus earned on a private motor policy in your own name. They do not currently offer no-claims discount earned from driving a company car
- only accept no-claims proof from UK insurers, written in English
- only accept no-claims proof for policies which ended less than 2 years from the start of your policy with us
What happens if I don't provide proof of no-claims discount
If we do not receive proof which matches the no-claims discount you have told us about within 21 days from the date you buy the policy, we have the right to take either of the following actions based on the individual insurer rules which apply to your policy.
- Automatically take any extra premium, based on a lower no-claims discount, from the payment card you used to buy the policy.
- Cancel your policy. If we cancel your policy because we did not receive your proof of no-claims discount, you may have to pay a cancellation fee.