It is common practice to auto-renew. Insurers claim it is to reduce the risk of you not being covered at renewal time when the truth is many (most?) people are to lazy to shop around.Not only would they have to get quotes from others insurers, they'd have to cancel the auto-renew & that is way too much work for them.
If you do change insurers, the best thing to do is as follows
1: Arange you new insurance in good time (when you get the reminder, it has the current policies end date on it)
2: Phone your current insurer & tell them you don't wish to renew.
3: Use your bank's internet banking service to CANCEL the DIRECT DEBIT, otherwise they could take the money as these stay in force until cancelled by either party.
As for Bennetts, If you are with them now them (and are unhappy with the 3 mod rule) phone them & say you have no intention of renewing because of they stupid rules.
If you are not with them then phone them & get a quote, when they reach the point when they ask about mods. just say 'yes I have, I've got 3 safety mods. & one sticker, whoops that's more than your stupid rules allow, forget it & goodbye' then hang up.
If we all did that on the same day, oh how we'd jam up the quotes lines & wreck their stats.
So how about a 'day of action'? Done on a Saturday or Sunday when most people get 'free' phone calls & it will only cost us a bit time & them loads of lost business.
Some car insurers actually charge extra if you fit 'winter' tyres even though it makes driving safer during the winter months & costs upwards of £250 for a full set.