Can my insurer do this ?

[Mr Jack]

Very rare, and where they do exist they are usually a more expensive insurer anyway. Plus it being 0% doesn't really make paying monthly a benefit - it just makes it not a disadvantage (Unless you want to count the 2.8% interest you could make instead on the lump sum I guess...)

It's small, but it's real

(Yes, that's what I tell the ladies too)