Your policy renews automatically
APOLLO policies are set to auto-renew by default. When your current policy term ends, a new one-year term begins automatically, and your payment method on file is charged for the new premium.
This is designed to make sure you're never left without coverage — you don't need to do anything to stay insured year to year.
When does my policy renew?
Your renewal date is one year from your policy start date. You can find your exact renewal date by logging into the customer portal at policy-portal.apollocover.com
Will my price change at renewal?
Your renewal premium may be different from your original premium. Factors that can affect renewal pricing include:
General rate changes — Insurance rates are reviewed annually and may increase or decrease based on industry-wide claims trends
Changes to your policy — Any changes you've made during your term (adding a roommate, increasing coverage, changing address) are reflected in your renewal premium
Your claims history — Policies with claims activity may be subject to rate adjustments
You'll receive a renewal notice by email showing your upcoming premium before your renewal date, so you can review it and decide whether to continue.
How do I review my renewal before it processes?
When you receive your renewal notice email, log in to the customer portal to:
View your upcoming premium
Make any changes to coverage, address, etc.
Cancel or Decline, if you no longer need coverage
Can I change my coverage at renewal?
Yes. You can update your coverage, address, roommates, or other policy details at any time through the customer portal.
How do I turn off auto-renewal?
If you don't want your policy to renew, you can decline it before your renewal date through the customer portal:
Log in at policy-portal.apollocover.com
Select Manage my Policy
Choose Manage my Renewal or use the blue banner at the top of the main page
Confirm
Once declined, your coverage ends on the expiry date on your certificate and no renewal charge will be applied.
Tip: Set a reminder a few weeks before your renewal date to give yourself time to review and decide.
I didn't receive a renewal notice
Renewal notices are sent to the email address on file with your policy. If you didn't receive one:
Check your spam or junk folder
Log in to the portal to confirm your renewal date and current email address
If the email address on file is outdated, you can also update your contact details right in the portal.
My renewal was processed, but I didn't want to continue — what now?
If your policy has already renewed and you didn't intend to continue, you can cancel.
Option 1 — Cancel on the renewal date (no short-rate fee)
If your renewal was processed very recently, you may be able to cancel and select your renewal date as the end date. For example, if your policy renewed on August 1, selecting August 1 as your cancellation date means no short-rate fee applies and you receive a full refund of the new premium.
Log in to the Customer Portal at policy-portal.apollocover.com
Go to your policy and select Cancel Policy
Select your renewal date as the cancellation effective date
Confirm the cancellation
Option 2 — Cancel mid-term
If some time has passed since your renewal, a short-rate cancellation fee will apply. This is calculated using the R7 short-rate table and is deducted from any refund of unused premium. Taxes and transaction fees are non-refundable.
See How are cancellation fees calculated? for a breakdown of what to expect.
When will I receive my refund?
Eligible refunds are returned to the original payment method within 7–10 business days. If nothing has arrived after 10 business days, check with your bank first. If your bank confirms nothing is pending after 12 business days, reach out via chat and our team will investigate.