Most insurance renewal packs technically disclose everything: the new premium, the prior premium, the cancellation route, the cover summary.
The structural move is to treat the annual renewal as the engagement-level moment at which the customer's continuation must be informed, not presumed — surfacing year-on-year changes prominently, making the alternative visible without being adversarial, and ensuring the customer can act through any channel as easily as silent renewal proceeds:
The renewal communication contrasts last year's paid premium, this year's quoted renewal premium, and today's equivalent new business price for the customer's risk on the first screen or page — not deep in the document — and itemises every cover, excess, exclusion, or add-on change since the prior cycle.