A word of caution on auto-renewal.
A week before mine was due for my Multi Bike Insurance (product name) with Carole Nash in June this year, I contacted them and added my car (new last year so years free insurance with Toyota was expiring).
This moved me to their Six Wheel Insurance and I paid immediately by Debit Card the requirement amount. I asked what I should do re the bike element that was due shortly and was clearly told not to pay that then as it would indeed still be 'auto-renewed'.
Now I know we are advised to check it has been taken from your bank on the renewal date (so need to tell me) but auto-renewal was introduced by the Government to avoid accidental non-renewal by motorists, but, as you've gathered from the title, it wasn't.
I found out 3 weeks after the due renewal date so had 4 machines with no cover for that period.
I immediately rang Carole Nash and they apologised and took the Debit Card payment - without me even having to provide the 3 digit code! So the fault wasn't at my end.
The upshot, so far, is they still say I had no cover, BUT would pay any court fines. So who would be potentially disqualified I asked?
I had the evening before checked on the Motor Insurers Database (MID) and discovered the non insured aspect (which led to a somewhat sleepless night in itself) yet I also noticed that one machine was now recorded as a completely different Made and Model. Carole Nash had it correct before and I have the documents to show this.
Both these aspects are the subject of a Complaint to Carole Nash as I raised the second one when I renewed the bike cover and again when I rang couple of days later as it still was and, at the time of writing this four days after they received it, it still is even though they are all now shown as Insured.
The moral of the story. Either don't trust Carole Nash's statement of 'we will auto renew 5 days before' and 'you have nothing to worry about' and ring on the day. Or, don't use Carole Nash.
Any one else come across this problem that could leave us stranded by the roadside, bike seized, fined or even disqualified - if used more than once before YOU realise. And all because Carole Nash hasn't any check or back up system.