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The ‘last year’s annual premium’ noted on my renewal documents is not what I actually paid last year- why?

This will be the case if you made a change to your insurance policy during the -year, e.g. a change of vehicle, addition of a driver, change of address, etc.

By law, we have to include the ‘last year’s annual premium’ on your documents which must show the annual premium you would have paid, if the change you made to your policy during the year had been in place from the beginning of the policy term (12 months)

This is a requirement of the Provision of Information Regulations Amendment 2018.
This ‘last year’s annual premium’ figure does not include any fees or charges that were/may have been applied to the mid-term change of details you made.  

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