Tried to switch vehicle on car insurance, 9 months into policy, as had bought newer car. Was quoted a ridiculous amount to switch, so asked about cancelling, the £75 cancellation fee was more than the value left on policy, so told them to let it run until the end of current policy period. The Renewal Invitation letter doesn't say anything about automatic renewal. So knowing I didn't have the car and didn't want the policy they of course automatically renewed the policy and took the premium. I phoned to get my money back, they listened to the earlier phone call and they still have the cheek to charge me a risk fee instead of a full refund. Very sharp practice - AVOID.