You don't get a full refund you have you pay for time on cover.Get insured with X after ~12 days phone up and cancel and send back the certificate and get a full refund. Get insured on another company straight away and repeat.
You get a 14 day cooling off period with insurance. As long as you dont have an accident you get the premium back.
This is only worth doing though if you cant get any reasonable price for 1 months insurance because if you do crash then you will have to pay the years premium, tis a gamble I guess
You don't get a full refund you have you pay for time on cover.