Quote Originally Posted by JumpersforGoalposts View Post
You must have missed a renewal notice (or reminder) of some sort as they can't legally enter into an arrangement with you that lasts longer than a year. They are OK if they have simply reminded you that your contract is coming up for renewal and they will renew it unless you tell them otherwise.
My wife's car insurance automatically renewed a couple of months ago. She was able to cancel and get a refund.

Perhaps it's something some insurance companies are now doing, adding an automatic renewal to the contract.