They have done exactly the same to me, I can shed some light on the charges. The £30 is a 'renewal fee' that they essentially fine their renewing customers with by hiding it within their quote. If you check the breakdown of your total charge you will see that the items detailed do not add up to the total. This is similar to a restaurant deliberately adding up a customer's bill incorrectly in order to overcharge them. If you had called Bennett's up to say that their total charge is not competitive and you won't be renewing, they would have removed this hidden charge. Does that sound fair? No They charge a cancellation fee of £20 within the 'cooling off' period, £30 afterwards. Is that fair when the policy has been renewed without your knowledge and you have been charged without giving consent? No :-x:-x Finally Bennett's will claim that you consented to automatically renewing your policy in perpetuity because when you bought the policy you answered 'yes' to their question along the lines of 'When your policy is approaching expiry may we obtain updated quotes and write to you offering continuing cover?'. Is that the same question as 'Do you want to automatically renew your policy with us'? No :-x:-x:-x:-x!! I am minded to refer them to the ombudsman over this issue in particular and will have a good read of the material on this site to assist in my doing so. In the meantime I whole-heartedly agree with your recommendation for all consumers to BEWARE BENNETT's