text: Hello Marty\n\nI am not a lawyer but I think the cooling-off period only applies to new contracts not renewals and only for certain goods and services.\n\nI switched my home contents insurance (no automatic renewal) last year ago but was suprised to find that the linked home emergency cover had been automatically renewed. So there are different rules for different services. \n\nIt makes sense to check out the details of renewals when signing up to the original contract but few of us do so!\n\nIf you feel you have been dealt with unfairly, then contact Consumer Direct http://www.consumerdirect.gov.uk/