Adrian Flux charge very strong fees because as an intermediary they need to make money on every aspect of the service they provide. They take a cut of the original premium as an administration fee. In their long shpiel that they read out to new customers, they even stipulate that if you cancel, they will not refund their arrangement fee.
When it comes to changes, it is best to call them first and discuss it BEFORE making changes.
In my case, my premium is £399 a year. If I cancelled it now at 7 months in, it would probably cost me more than the lose in letting it run to expiry. The person I spoke to at AF about this when I took out the policy said that there is no refund after 8 months. And the refund before that is in no way a reflection of the amount spent.
I'd suggest that although it is a typical example of the customer paying huge amounts for nothing, the industry as a whole is in line with AFs practices.
Insurance is a cash cow. You have to have it, so you have no choices.
If I could get a mainstream, all in one company to provide my insurance, I would. The problem is the mainstream insurers won't touch my car as it is modified. I am stuck with the specialists.
Admiral generally give good prices, and their admin and refund policies are both more transparent and fairer than AF.
Vote with feet.