OP, what's the problem with the auto-renewal clause on your policy? Normally I like my insurance (car, house, health, whatever) to automatically renew because otherwise I've got to fill out a fresh application in advance of it running out every 6 months or year. Much simpler to have it renewed without any attention by me; the company sends me a bill and I pay it.
It's difficult to see any downside. I don't put insurance on any form of automatic payment (i.e. by direct debit to my bank account), so if I don't want it renewed I can easily not pay the premium.
The only exceptions are travel-related policies--medivac insurance, or the bike insurance I purchase when entering some countries. Those never auto-renew.
I've never tried to re-apply as a new customer per #2. I'd expect that claiming to be a new customer would involve lying in print, which might cause me difficulties down the line. However, that's just an assumption.
Mark
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