This checklist is the full annual MTPL schedule – printed out or copied into your calendar, it gives you every task in its own week. Fit the dates to your own renewal date – if you don't know it yet, start here: where to find your renewal date.
- The system has two anchors: day 60 before the renewal date (start) and day 40 (decision).
- Under the rules in force, the cancellation deadline is typically day 30 before the renewal date – in writing, with proof.
- The week after the renewal date is part of the schedule too: checking, adjusting payments, filing.
60–40 days before the renewal date: taking stock
- ☐ Renewal notice read: new premium, class, details – all correct?
- ☐ Life circumstances reviewed: has your use changed, do you need a new add-on?
- ☐ Fresh quotes requested (calculator or broker) – for identical cover
- ☐ Compared using the full-picture approach: premium + add-ons + service
- ☐ Any open questions clarified (terms, commitments)
This stage moves at a calm pace – which is exactly why you start early: around day 60 every option is still open, and nothing is urgent yet.
40–30 days before: decide and act
- ☐ Decision made: stay or switch – with a reason (write it down for yourself too!)
- ☐ If switching: new policy set up, start date = the renewal date
- ☐ If switching: cancellation submitted in writing, with proof – confirmation requested
- ☐ If staying: any needed changes (schedule, add-on, details) reported
- ☐ Confirmation of the cancellation/change filed
Day 30 is the watershed: under the rules in force, the cancellation typically needs to arrive by then. If you haven't decided by this point, you stay put this year – no tragedy, as long as it's a conscious choice.
Renewal week: the changeover
- ☐ If switching: the new policy has arrived, the five-point check is done
- ☐ The first premium settled / the new direct debit is active
- ☐ The old insurer's final statement (refund of any overpayment) followed up
- ☐ If staying: your standing order amount or direct-debit limit adjusted to the new premium
- ☐ Green Card needs considered (if travel abroad is planned)
After the renewal date and through the year: upkeep
- ☐ The new policy and all confirmations filed
- ☐ Next year's reminders set (day 60 and day 40)
- ☐ During the year: every change (address, use, vehicle) reported immediately
- ☐ During the year: automated premium payments checked – a quarterly glance at the debits
The calendar stays yours – but if you get in touch, I prepare the comparison and the paperwork, complete with every line on this list. A 20-minute conversation, and next year, if it's warranted or you ask, I'll be the one getting in touch on day 60.
Tip: getting this into your calendar
A list only works if it lives in your calendar. The fastest route: create two recurring reminders – "MTPL: comparison starts" (renewal date minus 60 days) and "MTPL: decision + cancellation deadline!" (renewal date minus 40 days) – both repeating yearly, and copy the matching block of this checklist into their descriptions. For paper fans: print the page and pin it inside your policy folder. For a family fleet, set one reminder pair per vehicle, with the plate number in the title. And the most convenient version: when the insurer's renewal notice arrives, get in touch – the comparison and the paperwork are my job, and you're left with just the decisions.
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