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On reading an insurance statement issued 06-03-2015 it states the if you happy that the answers shown are accurate and complete you don,t need to do anything - there's nothing to say on this statement or in the policy booklet that about roll over of any sort
I have had a telephone conversation with Halifax staff who state that because it says on the renewal (if you are happy with the contents of the policy statement you do not have to do anything) - they say that a non response is basically an affirmative to the continuance of a direct debit
it is my belief,a non reply should not be interpreted as a positive to continuing with debiting someone's bank account, and that what Halifax are doing is morally wrong - If I take out a policy for 12 months,its for 12 months, I dont expect Halifax to continue the policy because they have not heard from me. I am not seeking any financial remuneration,although they have returned one direct debit - its just that I feel a non response should not be seen as an agreement to continue persay