The average UK household has 4–6 insurance policies: car, home buildings, home contents, pet, travel, and life insurance. Each renews at a different time. Each provider sends renewal letters at different lead times. And each one is an opportunity to save money — or lose it.
Why auto-renewal costs you money
Most insurance policies auto-renew at a higher rate. The FCA found that customers who'd been with the same home insurance provider for 5+ years were paying 70% more than new customers. Car insurance shows similar patterns: renewal quotes are typically 10–30% higher than the best available deal.
The FCA found that loyal home insurance customers pay up to 70% more than new customers. Auto-renewal is costing you money.
The 6-week rule
Set your reminders for 6 weeks before each insurance renewal date. This gives you enough time to:
- Get comparison quotes (5 minutes on a comparison site)
- Negotiate with your current provider (call and quote the cheaper price)
- Switch if needed (most switches complete within 2 weeks)
Which insurance deadlines to track
- Car insurance (annual)
- Home buildings insurance (annual — often tied to mortgage)
- Home contents insurance (annual)
- Pet insurance (annual — premiums can jump significantly)
- Travel insurance (annual or per-trip)
- Life insurance (usually level term, but review annually)
- Landlord insurance (annual, if applicable)
One dashboard for all your insurance
The Home Concierge tracks every insurance renewal date in one place, alongside your MOT, pet vaccinations, energy contracts, and 26+ other household deadlines.
Get a smart reminder 6 weeks before each renewal. Shop around. Save money. Repeat.
Stop overpaying on auto-renewal. Start tracking insurance renewals for free with Home Concierge — one reminder could save you hundreds.