Just curious. We have a pet insurance policy with Blueinsurance.ie. We had purchased the policy last year. The insurance company required that we pay a hefty charge if we went by monthly payment through direct debit, so we made the full premium payment for the year, April 25th to April 25th. We made a claim in mid-April, and received payment, but we did not receive a notice that our policy was up for renewal. They neither notified us by post or by email. As the transactions are all online, we would have no other way to renew but through a mechanism on their site, which I cannot find. It appears that they are conveniently not notifying us of our need to renew so that they can say we terminated the contract. Is this legal? Do they have some legal obligation to notify us of our need to renew by paying our annual premium, or are they finding a loophole that allows them to drop us as a liability.