Insurance companies who like to auto-renew your policy and then demand / take payment 😡
Also their mad reimbursement rates, should you cancel an annual policy early (that you paid for upfront).
It doesn't follow the logic... divide your premium by 12 months, then you'll get the remaining unused months returned, if you cancelled early.
INSTEAD - it goes like this (did on my last bike policy). I basically got reimbursed just a few pounds, when I cancelled at about 4 months!..
Cancel by end of Month # : Premium amount returned.
Month 1: 70%
Month 2: 15%
Month 3: 10%
Month 4: 3%
Month 5: 2%
Month 6: 0%
Month 7: 0%
Month 8: 0%
...
daylight robbery!