I get fucked too as I have a no fault claim on my record from 2009.

In a separate case I bought a L200 one month ago today and paid my insurance in full - £1280. Decided I've had enough of it already, it's too big and too juicy but I needed to scratch the itch, so phone up insurace company to cancel today and they are going to refund me £880.

So I've just paid £400 for one months insurance. I'm fuming but you're fucked if you do fucked if you don't! I won't be making this mistake again!