i thought it was a basic of any insurance policy to have to pay the full amount "If you make a claim and haven't paid the full outstanding premium"
if you are on a month by month then you "technically" would still have to pay the full amount even if you did decide to cancel and they you would get a refund "because they have to make the numbers add up"

in the real world they would say "you owe us £x for the cancelation" and be done with it

but cc payments really do stick it to you up the apple core, especially if you have prolems with the card company
only did it once, for my broadband, and got ot of it asap

the only way i can see you gettin gout of this is to get a new cc, swap over all your stuff other than the insurance policy payments, cancel the old one, write them a polite letter explaining the sistuation, not a rude one tellin them to go stick their heads up each others rectums