We will normally automatically renew all your motor policies and any optional extras 5 days advance of the renewal date, unless you have asked us not to. If you paid in full, we won’t automatically renew your policies if your payment fails. We may, at our discretion, choose not to automatically renew if you have an unpaid balance or have had difficulty in making your payments. If you pay by instalments, cancelling your direct debit will not stop your policy from automatically renewing; you must contact us to stop the renewal. We will write to you before the renewal date to explain what will happen, and to let you know what the policy terms and new payments will be.