Renewing on the start date can cost more.We remind you while there's still time to check.
Get a reminder before your policy renews so you have time to review the cover and the new price.
Get a renewal reminder- No bank access required
- Just the dates you already know
- 100% independent
How home insurance renewal works
Most UK buildings and contents policies run for a 12-month term.
Before the policy ends, the insurer issues a renewal notice with next year's premium.
If auto-renewal is enabled and no action is taken before the renewal date, the policy continues at the new price.
The renewal date is fixed in advance.
Once the renewal date passes, the new premium applies for the next 12 months.
Renewal mechanism
Fixed-date pricing trigger
Common home insurance renewal outcomes
These outcomes are predictable — and avoidable if you act before the renewal date.
Premium change at renewal
A higher price may apply at renewal based on rebuild costs, claims and the insurer's renewal model.
The decision window ends at the renewal date.
Sums insured drift out of date
Contents values and rebuild estimates can fall out of step with the policy if not reviewed at renewal.
Renewal is the natural moment to check the cover is still right.
Long-term customer pricing gap
Existing customers can sit on a different price band than equivalent new business unless the renewal is reviewed.
The renewal notice sets the new premium unless you act.
Narrow review window
Insurers may adjust the renewal quote when contacted in time, but the window before the renewal date is narrow.
After the renewal date, the new premium applies.
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.
Illustrative home insurance renewal pattern
Renewal pattern (illustrative)
Illustrative pattern only — not a real user case. Without a review before the renewal date, the policy would have continued at the higher premium.
Home insurance research and updates
Evidence, timing guidance and current developments relevant to home insurance renewal.
UK Home Insurance Renewal Price Report 2026
Research on renewal prices, rebuild costs and why households still need to review before the renewal date.
Read the home insurance renewal price reportWhat to check before home insurance renewal
A short checklist to run before the renewal date so the cover is reviewed, not defaulted to.
Read the home insurance renewal guideFCA home insurance work — what it means at renewal
A summary of recent FCA work on home insurance and what it means before your next renewal date.
Read the latest home insurance renewal updateRelated insurance renewals
Other insurance renewals you can protect with a date-based reminder:
Home insurance is a renewal-timing problem.
Buildings and contents pricing follows fixed dates and automatic rollovers.
A reminder before the renewal date keeps the decision with you, not the renewal model.
The same pattern shows up in car insurance renewals and pet insurance renewals.
See all how Onremind works, browse common questions, or read the UK Renewal Rip-Off Report for the wider picture.