Renewing Your Car Insurance Policy
When your policy is coming up for renewal, we’ll make sure you have all the information you need to decide what’s right for you. Renewing is usually straightforward, but it’s important to review your details carefully so you stay properly covered.
What Happens When My Renewal Is Due?
Before your policy expires, we’ll contact you with your renewal terms.
These will include:
Your renewal price
Your level of cover and any add-ons
Key policy details such as mileage, address, vehicle, and drivers
It’s important to check everything is still correct and let us know if anything has changed.
How Do I Renew My Policy?
Renewing your policy is simple:
Follow the instructions in your renewal email or letter
Review and confirm your details
Make payment if required
In some cases, your policy may renew automatically. If this applies, we’ll make this clear in advance so you know exactly what to expect.
Can You Give Me a Cheaper Renewal Offer?
We’ll always check whether there are alternative insurers or options available to you.
You may be able to reduce your renewal price by updating details such as:
Annual mileage
Where your car is kept overnight
Voluntary excess level
Please make sure all information is accurate and honest. While we’ll do what we can to help, we can’t guarantee a cheaper premium.
Why Has My Premium Increased?
It can be frustrating to see a higher renewal price, especially if nothing has changed for you. Premiums can increase for several reasons, including:
Claims made by you or other drivers on the policy
Changes in risk across the wider insurance market
Rising repair, parts, and labour costs
Changes to your personal details or circumstances
Even if your details stay the same, wider market factors can still affect the price.
What If I Don’t Want to Renew?
If you decide not to renew:
Make sure you have alternative insurance in place before your policy ends
Let us know if you need help cancelling or have questions about your renewal terms
Driving without insurance is illegal, so it’s important to avoid any gaps in cover.
Top Tips for Renewal
Review your details carefully, small changes can affect your price
Compare cover levels, not just price
Get in touch early if you have questions about your renewal
Good to know: Renewing on time helps avoid a lapse in cover and keeps you legally insured. If you’re unsure about your renewal options, our team is here to help you make an informed decision.