You are not buying monthly car insurance, you are buying annual car insurance paid monthly and hence, if you cancel partway through the year, you still owe the balance of the year’s premium less what would actually be a very small discount for the period cancelled. Generally speaking, the amount you get back from cancelled insurance policy makes it not worth cancelling.
The policy is over 3 and less than 4 months old. That therefore is a period not exceeding 4 months
You have paid £710 of a £1739 policy leaving a balance of £1029 outstanding. You are obliged to pay 75% of the total premium which would be £1304 give or take some p which I have not bothered calculating.
So, on my calculations, you owe £303 or thereabouts.
If you had had the policy for another week, it would actually not be worth cancelling it because she would get nothing back.
Can I clarify anything for you?
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