The renewal is the yearly turning point of your casco policy: this is when the premium notice arrives, when the clearest opportunity opens up to amend or switch – and when it's worth checking whether the policy still matches the reality of your car. A quarter of an hour – with a year's worth of return.
- Before the renewal, a premium notice arrives: that's the signal that the decision window is opening.
- The renewal is the clean switching point: cancellation is typically possible for the renewal date, within the deadline set out in the policy terms.
- The routine: value, deductible, extras, additional covers, premium comparison – with a tick-box checklist.
What happens around the renewal?
The insurer sends a notice about next year's premium – this can also include a premium adjustment, depending on the policy and the market environment. Cancellation is typically possible for the end of the insurance period, in writing, within the notice period set out in law and in the policy terms – in practice, 30 days before the renewal; what counts is not the day you send it but the day it arrives, so check the exact date on your own policy. Anyone who puts the notice aside unread lets the decision window close.
The quarter-hour routine
The five points of the annual review are strongest when timed to the renewal: your car's current value, how well the deductible structure fits, whether your extras data is up to date, the range of additional covers, and where the market stands for the same content. The tick-box version: the renewal checklist. The outcome can be one of three: all fine (stay), an adjustment (we amend), or a better offer (we switch) – all three are good outcomes, as long as a decision sits behind them.
Aligned with your MTPL
Motoring admin is smallest when casco and MTPL run on the same rhythm: one renewal period, one review, one table – the article on MTPL and casco together covers this in detail. For MTPL policies with a 1 January renewal, the autumn campaign is the natural shared moment: that's when the casco review also gets scheduled in. The renewal notice is sent by the insurer – if you let me know before the renewal date, I'll prepare the comparison and the paperwork.
Renewal coming up? Book an appointment – we'll talk through what the right decision is this year. book a free 20-minute consultation →
