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Hello my name is ***** ***** I will help you with this.
Can you check the policy to see if it does renew automatically as they may have changed the term from last year?
The renewal letter states it but not in the policy
Ok - then you could argue that you relied on that term.
As such you could argue they are responsible for the increase in costs as they did not notify you that you were not insured.
They made a representation which you relied upon.
You should write and make a formal complaint in writing. This will then be investigated.
If you are not happy with that response then you can complain to the Ombudsman. They offer free, independent advice and can examine your complaint at: www.financial-ombudsman.org.uk
If that does not work finally you could issue a small claim for the difference being £1500
You can do this online at: www.moneyclaim.gov.uk
Can I clarify anything for you about this today please?