I have three policies with my insurance company, which currently means that for 270 days of the year I am renewal mode with them.
If I had a forth I would only have five days off a year potentially if I was lucky:

Answer: Market practice, renewal notice shall be mailed 90 - 120 days ahead the expiration date. AIG send out renewal notice 90 ahead the expiration date.

I find this excessive, but I was wondering if indeed this is truly market practice in Thailand.
Does everyone receive their renewal notices three months prior to expiry?
And if not who are these companies please?

It is annoying yes, i get my Axa insurance via AA about 3 months in advance, i guess they are hoping for early payment, which to get it out of the way i usually do