If I took out a 12 month car insurance policy for instance (paying monthly) and during month 6 I became 'spent', and hence if I were to get a new quote my insurance would be significantly less.

Is it then reasonable to ask the insurance company to consider my new circumstance mid term and provide a refund for the difference. Or is it better to cancel the insurance and take out a new insurance (legally I could go back to the same company with the revised quote but now without the conviction label) and proceed this way?

I also wondered how this would work and if any other have been in similar circumstances? I guess this goes for all insurances where you have to declare unspent convictions.