If you’ve ever stayed with a car insurance provider for five years straight, you probably know that “loyalty” in the insurance world unfortunately often isn’t rewarded.
At Simple Search, we see it every day: a renewal notice lands on a doorstep with a premium increase that’s enough to make your eyes water. Many people just shrug and pay it because they think switching is too much paperwork. But in 2026, staying put could be costing you a fortune – and potentially better healthcare.
The Annual Shake-Up: Why Renewing Without Reviewing Is a Mistake
1. Can you switch without losing coverage?
This is the biggest myth in PMI: “I can’t switch because I’ve got a pre-existing condition.” Actually, you often can. Thanks to something called CPME (Continued Personal Medical Exclusions) or “switch terms,” we can frequently move you to a new provider while carrying over your existing cover. This means you don’t lose the protection you’ve already built up just because you want a better price. We speak to the underwriters for you to agree terms that work for everyone.
2. Has your life sat still? (Probably not)
A policy that fit you perfectly last year might not be right for you today.
- Lifestyle shifts – maybe you’ve started a family and need to add a child.
- Health changes – perhaps you’ve developed a “niggle” and now realise you want a higher outpatient limit for those all-important scans.
- Budgeting – maybe you want to increase your excess to lower your monthly costs.
3. The market moves fast
The PMI market is incredibly competitive. New features, better virtual GP apps, and faster consultant pathways are being launched all the time. By reviewing annually, you aren’t just looking for a cheaper price; you’re looking for a better product.
Ready to find the right cover?
Why PMI Is Still Your Best Investment
The reason we go through the effort of reviewing your policy is simple: PMI is your “fast-pass” to recovery. It’s what stands between you and a long waiting list when you’re at your most vulnerable.
By switching providers, or even just renegotiating with your current one, you ensure that your safety net is always as strong (and as affordable) as possible. You wouldn’t ignore a leak in your roof just because you’ve had the same builder for ten years; your health insurance deserves the same level of maintenance.
Don’t Let Your Renewal Just “Auto-Roll”
All of our advisers have been navigating these renewals for years, so we know exactly where the savings are hidden. Our job is to do the legwork for you – we compare the market, check the switch terms, and handle the boring bits so you don’t have to (including the forms).
Is your renewal notice due to arrive soon, or have you just had it and want to see if there’s a better option on the table?
Give us a call. We’ll give you an honest, down-to-earth breakdown of whether you should stay or go. There’s no jargon and no pressure – just expert advice to keep you and your bank account healthy. Request a new quote or an annual review on 01865 598614.