Hey, life happens. Maybe you forgot. Maybe you were on holiday. If you’re under 21 days, don’t panic, but do act fast. Prices start creeping up like a zombie in a slow-motion movie.
If you’re within 7 days of renewal, you’re in danger territory. At that point, renewing with your current insurer might actually be cheaper than switching. I know, it hurts to say it. But it’s true. Lock in a short-term extension and then shop around next year.
Oh, and here’s a final nugget from Martin: if you have a black box (telematics policy), the rules are different. You usually can’t switch mid-policy without a penalty. So read the small print. Boring, but vital. Like eating vegetables.
