Auto-renewals in respect of insurances

[Eric the Half a Bee]

The insurer has to do one of two things as a default, either cancel your insurance at the renewal date, or renew it (usually on different terms). What they cannot do is simply let the existing contract continue past one year.

Or they can include an automatic renewal, which isn't the same as letting the existing contract continue, when the old contract runs out. It might be in tiny small print that nobody reads. There's nothing preventing insurers doing such a thing.