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insurance query



going to be taking out a new insurance policy later in my own name with elephant, just wondering, if you pay the premuim in 1 lump sum for 12 months, then 6 months down the line you change your car what happens? obviously kepeing the same insurer would they just transfer over the policy and credit you back 6 months ? something i have never done before so i havent got a clue?!
 
  Clio 182 LY + Cup packs
ive done this a few times with other companies, and they just work out the difference and either charge you or credit you for the remainder of the policy
 


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