MFC threatens clients with their own *****ulent process

When purchasing my car I was asked to provide proof of my insurance, understandably so. However a little over a year later, still comprehensively insured by the exact same insurer, with not 1 single change to my policy, I am being sent sms's from MFC to say if i dont resend proof of my insurance they will automatically load their own insurance onto my account.

I have not missed 1 payment, never even paid a premium late, and now I am forced to take time out of my day to collect a new proof of insurance and send it through, "Or ELSE". Please explain to me how this is TCF? Please also explain to me how this is not *****? How can a company threaten their own, good standing clients this way?