Insurers don’t reward loyalty — they mug it. One minute you’re a valued customer, the next you’re getting fleeced for a 75% markup just for staying put. Auto-renewal isn’t convenience — it’s a con with a courtesy email.
🔁 Auto-Renewal Roulette: You Lose by Default
Let’s break it down:
You’re quoted £219 when shopping around — maybe even from the same insurer — but if you’re polite enough to stay loyal and trust them to auto-renew, they jack it up to £384. That’s a £165 difference for literally doing nothing. Except trusting them.
Big mistake.
And don’t be fooled — this isn’t some computer glitch or forgotten discount code. This is algorithmic pickpocketing baked into their business model. They count on you being tired, busy, or just too distracted by life to notice. Meanwhile, Karen who rage-quits the quote process and comes back incognito gets the “new customer” rate.
Your punishment for being organised and responsible? A financial slap with a 75% loyalty penalty.
It’s not even subtle. This is the equivalent of a bar charging £5 for a pint, unless you’ve been there before — in which case, it’s £8.75. Cheers for coming back!
Oh, and the kicker? When caught out, they call it a “renewal incentive discrepancy” or some other verbal soup that means “we hoped you wouldn’t notice.” 🙄
🔥 Challenges 🔥
How many people are sleepwalking into these scams? Are you being quietly rinsed every year by the same polite email with a blue “Renew Now” button? Drop a comment and tell us the most ridiculous renewal price you’ve been hit with. Let’s turn their sneaky surcharge into a very public bonfire. 🔥💬
👇 Call them out. Name names. Tag your worst offenders and let’s get the word out.
Comment, like, and share this post — and if your rant’s fiery enough, we’ll feature it in the next issue. 💥📰
Chameleon Magazine 
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