Any question answered...

Last time I did that, I had to get it insured for the year, and then get a refund (I paid monthly), by telling them it had broken down out there and had been left for scrap.

They seemed quite happy to cancel. Your results may of course vary.

Fair enough. I might do the same, last time I spoke to Co-op, who I'd been insured with before, they told me they're quite happy to cancel policies early and advised me that's what I should do with my home insurance as well, seeing as I was only at the flat for another 9 months.

I might do it, but tell them the truth.

Last time I drove to Berlin and drove there a month before realising I didn't have my insurance document with me. Turned out the payment hadn't gone through properly, and though I'd got email confirmation, I was never actually insured. Oops.