what if i cancell?

it depends on your cancellation policy - speak to the insurer. If everyone had to pay the remaining insurance for the year after cancelling then no one would bother as they'd be out of pocket. your insurer will most probably just bill you for the month or calculate the unused amount to pay you back anything owed, and/or have a cancellation charge. the cancellation charge varies from insurer to insurer. my company has no cancellation charge and if i were to cancel today then they would owe me £60 for the unused days.

Yes, best to ring your insurers

vw754 said:

if i took out a policy on 3rd sept this year,and now cancel.......what happens and what do i get charged? im paying monthly.

wont be getting a car till around 3 months?

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It's a question specific to your own insurers, they will have written to you will cancellation terms.