Just for reference: the insurance premium for almost any policy is an annual premimum and payable in full when the policy goes 'on risk'. Spreading the payment over a number of months is a (very common) concession made by the insurer and does not imply that you can cancel the policy after 6 months and withhold the remaining payments.
The likelihood that policies will not endure through to the end of the contractual risk period is one of the things the actuaries take into account when working out the overall level of risk that the insurer is taking on.
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