Here in France, and I think in a number of other European countries, auto renewal is compulsory on any vehicle policy, and has been for many years. This is to ensure that you are at least covered third party ( or civil responsibility) in case of an accident. I am sure the U.K. are following this as part of the harmonisation programme.
That is the only advantage in case you forget. The disadvantages are that renewal premiums go up every year, irrespective of how well behaved you have been, and sometimes by large amounts, because first years premiums are always at reduced rate. ( My own bike policy has doubled in 3 years, so I 'm going elsewhere). In France, insurers must send you an advice of renewal premium ( avis d'echeance) 15 days before your policy reaches it's anniversary, and you are allowed to cancel the policy by recommended letter at that time, and up to 20 days after the anniversary date).
It's a hassle changing because of the paperwork involved here, and a lot don't bother.
Irrespective of where you live and your insurer, it's worth hunting around, and thank goodness for the good ol t'internet.
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-''It is better to walk alone than with a crowd going in the wrong direction''. ( Herman Siu)
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