Hi guys, i recently dropped my bike (slow, stupid mistake:furious and have decided to go through insurance because repairs costed me more than i expected. I'm with swann right now and in their policy it states that you must pay your yearly premium in full before you are able to make a claim. I was just wondering if all insurance companies ask for your premium in full? Also, do I have to pay for any premium for the remainder of the year? It's also my first time making a claim for any vehicle so do you guys have any advice for me?