Got your renewal notice? Compare quotes before you let it renew. Here's when to shop around, what your insurer must tell you, and how to set a free reminder.
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We are partnered with Quotezone.co.uk. As an Introducer Appointed Representative of Seopa Ltd, trading as Quotezone.co.uk (FCA FRN: 313860), we receive a commission if you purchase insurance products through the link above. We do not provide advice or make recommendations. Your choice of provider is entirely your own.When your renewal notice arrives, compare quotes before you accept it or let it renew automatically.
Since 2022, your insurer can't charge you more to renew than it would charge a new customer for the same cover. But that only compares you with your own insurer's prices. Other insurers may still offer you a lower price, so it's always worth checking.
Start comparing as soon as your renewal notice arrives. This is usually a few weeks before your policy ends.
Some comparison site research suggests prices can be lower when you buy around three to four weeks before your renewal date, rather than in the last few days. You can usually set a new policy to start on the day your current one ends.
There isn't one fixed legal 21 day rule. Insurers must send your renewal details in good time before your policy ends, and many send them around three weeks before.
Some people also use 21 days as a guide for when to start comparing quotes. It's a sensible point to check your renewal price against other insurers.
You may also see a 26 day rule mentioned. It's the same idea: some research suggests buying around three to four weeks before your renewal date can be cheaper. It's a guide, not a rule.
Under the FCA's rules, your insurer must tell you:
If you've renewed with the same insurer several times, your renewal notice must also remind you that you may find the same cover at a better price by shopping around.
Many policies do. Your renewal notice will tell you if yours will renew automatically and how to stop it. You can usually turn off automatic renewal at any time.
If you let it renew without checking, you could end up paying more than you need to, or with cover that no longer suits you.
Your renewal date is the end date shown on your policy schedule or certificate of insurance. You can also find it in your insurer's app or online account, or in your renewal notice.
Not sure who you're insured with? See how to find out who your car is insured with.
Never miss your renewal. Save your renewal date in your free Brumble account and we'll email you 21 days before it's due, so you have time to compare.
Set a free reminderBefore you accept your renewal or switch, check:
If you find a better price, buy your new policy to start on your renewal date. Then tell your current insurer you don't want to renew, and turn off automatic renewal if it's on.
Paying monthly? Paying for the year upfront usually costs less, if you can.
Got your renewal? Compare car insurance quotes via Brumble before you renew.
Compare QuotesCommon questions about renewing your car insurance.
Sources: FCA Handbook (ICOBS 6.5 renewals) and FCA general insurance pricing practices rules (PS21/5). Checked October 2026.
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