Lloyds bank motor insurance covered my car for a year. When that was up, I found a cheaper provider for the next year. On the day my insurance expired, I received an email telling me my Lloyds insurance had automatically renewed. I rang them to discuss and was told my policy had been cancelled and a full refund would be forthcoming 5 days later. A week later, my refund still hasn't arrived. I call again - guess what, the refund hasn't been processed yet. I am assured it will be processed today but could take another 10 days. I am overdrawn, for which I will be charged, not due to be paid for another week and the refund is not coming for the insurance I didn't agree to purchase for another 10 days. I have lodged a complaint, asked for a goodwill payment to cover my costs and will never buy anything from Lloyds again.