I work for an insurance company and we wouldn't charge more than around 30% for a 3 month period or so!
You are eligable to pay a short term cancellation fee which is the norm, but in my experience thats fucking disgusting from Flux, again!
Can you find out exactly which company underwrites your policy and I'll be happy to check on what their cancellation terms are for you!?
Thanks Dan, I'll check when I get home tonight.