Auto-renewal is marketed as convenience. And it is convenient, mostly for the insurer, who keeps your business without competing for it.
What auto-renew skips
- Price comparison. A dozen insurers would love to quote your car. Auto-renew asks none of them.
- Coverage check. Your life changes, new commute, new area, car getting older. Your coverage should be reviewed yearly, not photocopied.
- Sum Insured update. Your car's market value drops every year. If your Sum Insured isn't adjusted, you may be paying premium on value the insurer will never pay out.
- Add-on review. Flood cover, windscreen, e-hailing use, needs change. Auto-renew doesn't ask.
Before you renew, check these:
- Your car's current market value (and set Sum Insured to match)
- Your NCD entitlement, is the full discount applied?
- Your coverage type, still the right fit for the car's age and value?
- At least 2 to 3 quotes from different insurers
Sounds like homework? It's literally our job. Send one WhatsApp message with your car details and we do all four, in about 5 minutes, free.
💡 Atur tip: the best time to compare is 1 to 2 months before expiry. You keep all your options and there's zero risk of driving uninsured while deciding.
Confused? Don't be, just ask us. Free, no obligation.
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