Thanks a mill.
What annoys me isnt that they have renewed out policy without telling us, its more that they got credit in our name from premium credit at the renewal date to cover the second years premiums, without us having to sign anything.
We signed the credit agreement for the first year when premiums were €32 per month, but in the second year they appear to have gone up to €45 per month - we never agreed to this and didnt sign for it.
Hopefully it will get sorted out on Tuesday, but I have a feeling the brokers are going to make it difficult for us :-(