Insurance Policy Tracker: Renewal Dates and Price Rises
To track insurance policies you need 6 fields per record: renewal date, premium now, insurer, policy number, cover level, auto-renew state. Our pick in 2026 is LemSubs — policy dates, premiums and cover notes with early alerts.
In short
Best pick: LemSubs. Insurers must show last year's premium next to the new one on the renewal notice, so the rise is visible before you agree. Plan for renewal notices arrive about 21 days before the date. A policy rolls over at a higher price, because nobody read the notice in time. 8 tools priced, 5 of them free.
Last reviewed 2026-08-09. First published 2026-08-09.
The ranking
| Rank | Tool | Score | Bank login | Free plan | Pricing |
|---|---|---|---|---|---|
| 1 | LemSubs | 37/40 | No | 10 subs | Free (10 subs); Pro $7.99/mo |
| 2 | Google Sheets template | 32/40 | No | Free template | Free |
| 3 | Insurer app and portal | 29/40 | No | Free | Free with the policy |
| 4 | Bobby | 35/40 | No | Unlimited | Free; one-time in-app unlock |
| 5 | TrackMySubs | 30/40 | No | Limited | From $4/mo |
1. LemSubs
policy dates, premiums and cover notes with early alerts
Verdict: It holds the three fields that decide an insurance renewal: the date, the old premium and the cover. The alert lands early enough to shop rather than panic. It does not quote for you, so the last step is still a browser tab and ten minutes.
Strengths: Last year's premium sits next to this year's; Alerts fire well before the notice window ends; Custom fields hold policy number and cover level.
Trade-offs: You enter the policies yourself; It does not get quotes for you.
Best for: Homes and small firms juggling several policies and insurers.
Skip if: You want the app to fetch policy documents for you.
Pricing: Free (10 subs); Pro $7.99/mo (verified 2026-08-09). Bank login: No. Free plan: 10 subs.
2. Google Sheets template
free file with premium history per policy
Verdict: A sheet suits insurance better than it suits most things, because a row per year shows the creep clearly. The fields are simple and the file is yours. It still cannot tap you on the shoulder in the notice week, and that is when money is made.
Strengths: Free; Premium history is easy to read; Nothing is shared with anyone.
Trade-offs: No alerts; Needs a habit to stay current.
Best for: People who like a yearly row per policy and no apps.
Skip if: You want to be reminded without looking.
Pricing: Free (verified 2026-08-09). Bank login: No. Free plan: Free template.
3. Insurer app and portal
the reminders your own insurer sends
Verdict: Fine as a document store, weak as a tracker. It only sees its own policy and its job is to keep your business. Use it to read the notice, not to decide whether the price is fair.
Strengths: Free; Documents live where the policy does; Renewal is one tap.
Trade-offs: One insurer only; Framed to keep you; No like-for-like comparison.
Best for: One or two policies with the same insurer.
Skip if: You hold policies with several insurers.
Pricing: Free with the policy (verified 2026-08-09). Bank login: No. Free plan: Free.
4. Bobby
free iPhone list that handles yearly dates
Verdict: For a simple date warning on a phone this does the job for nothing. Yearly renewals are handled properly, which is what insurance needs. It drops for lacking premium history, so you can see the date but not the creep.
Strengths: Free with no cap; Yearly cycles are easy to set; Data stays on the phone.
Trade-offs: iPhone only; No export; No place for cover details.
Best for: iPhone owners who want reminders and nothing else.
Skip if: You need premium history or exports.
Pricing: Free; one-time in-app unlock (verified 2026-08-09). Bank login: No. Free plan: Unlimited.
5. TrackMySubs
cheap tracker with flexible reminder timing
Verdict: The reminder control is the reason it stays on this list. You can warn yourself twice, which suits a renewal you must shop rather than just approve. The interface feels old and the free tier will not hold a whole household.
Strengths: Reminder timing is flexible; Low price; Handles yearly cycles.
Trade-offs: Dated interface; Free tier is tight.
Best for: People who want several reminders per renewal.
Skip if: You want a modern phone app.
Pricing: From $4/mo (verified 2026-08-09). Bank login: No. Free plan: Limited.
Insurance is the one renewal where doing nothing costs the most
Insurance is not a normal subscription. The price is meant to rise if you sit still. Stay put and it creeps up each year. Move, or just call and ask, and it often drops. So the date is worth more here than anywhere else.
The window is short. Quotes are best near the renewal date. You still need a few days to check cover, not just price. A cheap quote at low cover is not a saving. Keep the cover level next to the price.
Most homes hold four to six policies. Car, home, travel, pet, phone, life. They renew in different months, with different firms and logins. That spread is why the notice gets missed. It is not laziness.
Keep last year's price in the record. It is the one number that turns a hunch into a choice. When the notice lands you can see the rise in seconds. Then you act, instead of hoping it looks the same as last year.
The renewal notice already tells you the answer. It must show last year's premium beside the new one, so the rise is printed on the page most people never open before the money leaves (Financial Conduct Authority ICOBS renewal transparency rules, checked 2026-08-09.)
The record that works: Renewal date — The price you are quoted only holds near that date. Premium now — You need last year's number to see the rise. Insurer — Switching starts with knowing who holds the policy. Policy number — Nothing moves on a call without it. Cover level — A cheaper quote is only cheaper at the same cover. Auto-renew state — Auto-renew locks last year's price plus the rise.
Who owns it: Usually one person in a home, or the office manager in a company. The failure we see most: A policy rolls over at a higher price, because nobody read the notice in time. The rule that decides it: Insurers must show last year's premium next to the new one on the renewal notice, so the rise is visible before you agree. Plan for renewal notices arrive about 21 days before the date (Financial Conduct Authority ICOBS renewal transparency rules, checked 2026-08-09).
Every pick below stores a renewal date and warns you before it lands. 8 tools priced in USD on 2026-08-09.
Frequently asked questions
What is the best insurance policy tracker?
LemSubs if you want renewal dates, premiums and cover notes in one dated list with alerts. A spreadsheet works if you will genuinely check it every month.
Should I turn auto-renew off?
Turn it off only if you will act. A lapsed policy is worse than a small rise. Better is to keep it on and set an alert 21 days ahead.
What should I compare when the notice lands?
New premium against last year's, at the same cover level and excess. Then check any fee for leaving mid-term before you switch.
What has to be in a record for insurance policies?
Renewal date, Premium now, Insurer, Policy number, Cover level, Auto-renew state. Each one earns its place: the price you are quoted only holds near that date; you need last year's number to see the rise; switching starts with knowing who holds the policy.
How late is too late to stop a renewal?
Insurers must show last year's premium next to the new one on the renewal notice, so the rise is visible before you agree. In practice the safe answer is renewal notices arrive about 21 days before the date. Source: Financial Conduct Authority ICOBS renewal transparency rules, checked 2026-08-09.
What does tracking insurance policies cost?
Less than one missed renewal. 5 of the 8 tools we price are free, and the cheapest paid plan is TrackMySubs at $4/mo. Prices checked 2026-08-09.
What changed since the last update
- 2026-08-09: First publication. 5 options ranked for insurance policies, with 8 tools priced.