If you hurt yourself and were unable to drive.. Would your insurance company let you cancel your policy FOC so you wouldn't lose the rest of the year?
I doubt it. But best to check these things though. I'd imagine they'd charge cancellation fee, one off admin fee, anything else they can think of fee. Most insurance companies are after all the personification of evil for the motorist. Don't tell me it'd be so expensive if it weren't legal requirement. Wouldn't mind so much either but if you are unfortunate enough and do have to make a claim they do everything in their power to weasel out of.
Rant Rave Rants some more
