Hi, Ive just become aware that a similar situation has developed with a policy that i took out on a camera i bought at jessops, with 2 year cover. I never recieved the renewal notice and by chance saw the regualr amount they had been taking out for 3 years since it experied. I have phoned them, and they state their system says they sent out the letter each year, and as i didnt reply kept the policy live. I didnt recieve the letter. On friday their customer services team said they would refund the last year, and then inquire about escalting the complaint. Today they called and said they can only give me a letter of apology, and no refund and keep sayingh the same thing 'our system says we sent the letter', and i kept saying i havent recieved them to be able to make an informed choice of whether i want to continue, which i didnt, i had it insured by CIS insurance instead. I feel this is outrageous...if i had not of noticed i could have been paying for the years and years to come, no other insurance company does this. Is this legal, and why is it not written in big letters when you take out the policy. I shoudl have been informed at the point of selling. I used to work at the financial services authority and this feel wrong to me . Can anyone provide help or advice ? T