I think you are being intentionally awkward rod
Insure for a set term, in motoring, it's a year
Any changes would mean an increase or decrease in the premium
When the renewal comes around, if you've not had any claims there would be a nominal fee to continue, using your original money that you paid in the first place
And if you've had a claim it would go up based on the claim
The way it is done now is to enable the most amount of people to be paying in with a limited amount of outgoings, whereas if it were done the way it should be fine there would be fold out there who would never be able to afford it and there would be less people in the road
But of course that would mean less cars in the road, less money going into motoring and less money for everyone
The plus side would be pollution decreasing and less risk to both driver and pedestrians and everything that goes with it