Hi, I have fallen into the automatic-renewal-of-insurance trap. Quote Mart - part of the BGL Group of insurance companies (which includes Compare the Market, Budget Insurance and Dial Direct) has taken £175 from my account, citing a roll-on contract. As regards a full refund, I am getting no satisfaction from Qoute Mart or my bank - Lloyds TSB. In an entry above (29 Aug '10) buzby says that right to automatically renew lapses 367 days from the previous debit. Lloyds bank have no knowledge of this. I have a Lloyds / Visa debit card. The Visa Europe website says that the terms and conditions of debit cards are set by your bank and not them. Can busby (or anybody else) refer me to his source of the "367 day rule"? Regards.