look at it this way
u get a policy for the usual 12 months and pay by direct debit monthly
the first month u write the car off and it books at 5k, the insurance company gives u 5k
u have only paid a small portion of the policy
a lot of insurance companies have stopped temporary cover now due to scams
what i am saying is if you were to write your car off and claim then be allowed cancel the policy the following month then i think everyone would be at it
i think robbosri had to pay his policy off for the year after he wrote his 2.2 off
i havent yet had the pleasure of totalling a car under my own insurance, not saying i want 2 if i am tempting fate 😛