Check the fine print, but i know when i left just car (you pay anually) i was able to cancel my policy with them and recieved a refund for the remaining 6+ months worth of payment. I know with RAC you are able to pay monthly, so just take out a insurance policy and cancel it when you want to change to somewhere else.

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Osama Bin Hooning
Senior Terrorist Operative
Perth-Wrx