Quite right too Ollie.
Why cancel the insurance anyway? Why not switch it for the remainder of the 6 months. One last question, did you honestly think you'd get the full 6 months back?
Small print (although slightly devious sometimes) is there to protect the company. Lets face it, they aren't going to lose money because you change your mind!
Oh and the minibus thing does sound fraudulent to me! There are some police officers that frequent the site......