I was very disappointed last year when attempting to renew my house insurance policy. My renewal fell due while my wife and I were away on a long holiday in Australia. I always pay the full amount each year. When I rang to renew a couple of months before we went away I was told that it was too early to renew and that the only way to guarantee renewal was to pay by Direct Debit, which meant of course I had to pay the full quoted renewal price. I have been a loyal customer of RIAS for a few years now and was concerned that there was a lack of sympathy for my situation. I shall be looking at other firms when it comes to renewal.