We cancelled our Cornerstone policy which we purchased with our Journey (long story). The process was difficult, with the dealer, the bank and Cornerstone whipsawing us, but ultimately a prorated check, less processing fees, other fees, etc.,
was sent to the bank, applied against the principle.
Apparently being slow learners, we then took on a Good Sam contract, which we paid in six month premiums. After six months simply did not renew.
We are now self insured, earmarking an amount equal to our old premiums into our budget and lockbox.
Fair Winds and Following Seas