We all do it, we sign up for new stuff without reading the small print because we assume we know it but some of these companies have 1001 ways to seperate you from your cash so we now have to be more and more wary of what contracts and payment terms we are entering into. Many of the contracts now have automatic renewal as standard which is another one to lock you in as unless you know expiry dates on insurance and stuff by the time you realise you should of got some quotes your already renewed. The only safe way is to assume nothing and read before signing, boring and tedious but sadly thats the only way to stay safe.