Insurance renews on a date. The price can change on that date. Onremind warns you before it does.
Most insurance policies run for a fixed period. Add the renewal date once, and we'll remind you before the new price or auto-renewal can apply.
INSURANCE RENEWALS
Renewal prices are worth checking
61%
61% of car insurance customers who challenged their renewal quote were offered a lower price, with an average reduction of £64. This is not a guaranteed saving. It shows why the renewal window matters: the price you are first quoted is not always the final price you may accept after review.
Source: Which? research reported by The Guardian, 5 July 2025.
How insurance renewal works
Most insurance policies run for 12 months.
Before the policy ends, your insurer sends a renewal notice with next year's premium.
If auto-renewal is still switched on and you don't act before the renewal date, the policy continues automatically at the new price.
The renewal happens on a fixed day.
Miss the day, and the new premium becomes active.
The problem isn't awareness.
It's timing.
Renewal mechanism
Fixed-date pricing trigger
How Onremind protects you
Add the renewal date
The one listed in your policy or renewal email.
We track the countdown
Independently, in the background.
You get alerted early
While review, comparison and switching are still possible.
Got a renewal date already? Add it now.
You only need the date. Onremind will alert you before the higher price has a chance to roll over quietly.
Add your first renewal (free)Insurance categories
Insurance overpayment usually does not happen because someone picked the wrong policy. It happens because the review did not happen before the renewal date. That is why each type of insurance below has its own reminder page, with practical guidance and supporting research where it helps.
Choose the type of insurance renewal you want to protect yourself against:
Pick the insurance renewal you want to track: car insurance renewal date, home insurance renewal date, pet insurance renewal date, travel insurance renewal date, or breakdown cover renewal date.
Common renewal patterns
These outcomes are predictable — and avoidable if you act before the renewal date.
Car insurance
Renewal premiums can change sharply year to year, even when nothing about your driving has changed.
The decision window ends at the renewal date.
Home insurance
Quotes can increase at renewal unless you review or negotiate before the policy anniversary.
The price applies automatically after the renewal date.
Pet insurance
Premiums often rise as pets age, and cover terms can change at renewal.
The renewal date is the trigger point.
Travel insurance
Annual policies can renew at a higher rate if no action is taken before the policy end date.
Once renewed, the new premium applies.
Insurance renewal research
Insurance renewals are still worth checking carefully. The FCA's rules mean renewing home and motor customers should not be quoted more than an equivalent new customer through the same sales channel, and it should be easier to stop automatic renewal if you want to. But that does not mean renewal quotes will always be competitive, or that prices cannot rise because your risk or the market has changed.
The UK Car Insurance Renewal Price Report 2026
Research on renewal prices, market conditions and why drivers still need to review before renewal.
Read the reportThe UK Home Insurance Renewal Price Report 2026
Research on renewal prices, claims pressure and why households still need to review before renewal.
Read the reportThe UK Pet Insurance Renewal Report 2026
Research on renewal behaviour, rising treatment costs and what owners should check before pet insurance rolls over.
Read the reportThe UK Travel Insurance Renewal Report 2026
Research on annual policy renewals, claims trends and what travellers should check before travel insurance rolls over.
Read the reportThe UK Breakdown Cover Renewal Report 2026
Research on auto-renew risk, renewal behaviour and what drivers should check before breakdown cover rolls over.
Read the reportLatest insurance updates
Recent regulator and market developments relevant to insurance renewals, pricing and automatic continuation.
FCA expands home insurance work: what it means before renewal
The FCA is expanding its work on home insurance standards, with a stronger focus on claims handling, customer service and policy clarity.
Read updateVet cost pressure: what it means before pet insurance renewal
Wider veterinary cost pressure is feeding through into pet insurance claims and prices, which makes renewal review more important.
Read updateFCA expands travel insurance work: what it means before renewal
The FCA is expanding its work on travel insurance standards, with a stronger focus on claims handling, customer service and consumer understanding of cover.
Read updateOverpaying at renewal isn't carelessness. It's how the system is designed.
Renewal pricing follows fixed dates and automatic defaults.
A reminder before the date changes the outcome.
For the wider picture on how quiet renewals cost UK households money, see the UK Renewal Rip-Off Report.