Auto renewal on ANY website or product needs to be banned - they only serve one purpose and thats to tie you in for another year! Did you know that even if you ask your credit card company not to pay it, even changing cards, they will allow a company to debit the old card under the pretence of "auto renewal" The ONLY way to stop the auto renewal is to tell the company at the start you do not wish to have your details captured or cancel the auto re subscription, usually this is in the small print.
Its a very lame excuse that it protects you and prevents you being uninsured/ or covered for breakdown or membership will expire etc - twoddle! What happened 20 years ago - you got sent a letter offering renewal and a letter reminding you it was due. If you didn't pay it lapsed.
End of the day its YOUR responsibility to ensure you are insured - failure to do so these days costs you 6 points & £200 fine - with ANPR cameras fitted to most patrol cars and even at the side of the road, you'll be stupid to let your insurance lapse.
NCB is a different story - each company have their own system and whilst this may be ok, as Ray said not all conform to the same number of years. i have been hit myself, having had a 10 years going to one company, the next year i left their document said 9+ years, yet the company i went to gave discounts for higher years - that is wrong & needs addressing by all insurers.