A Question

Car insurance... you pay for a year, right? Well, if you surrender the policy before the end of that year shouldn't you get some money back?

I wrote asking the policy to be cancelled immediately and just got word (rather later than I expected) that they have cancelled it and will not debit me for another year when it is due for renewal. Er... right. What about a refund? Don't I get one? I mean, what's the point of cancelling if I don't gain anything by it? Hmph! My insurance ain't cheap and there were 4-5 months left to run on it!