Can I cancel my car insurance in the middle of the insurance period?

[gokulr]

Yes, the prorata premium will be refunded to you.
If you have not completed one year, you won't get the NCB.

How the pro-rata premium will be calculated?

So I have to start from scratch for NCB.

[Minal]

How the pro-rata premium will be calculated?

Example:
Cover on a policy or item start on 20 June. The monthly premium for the item/policy is Rs 500. The pro rata premium for June is calculated as follows:

Rs 500 divided by 30 (days in the month) and multiplied by 11 (remaining days in June). The pro rata premium would be Rs 183.33.

So I have to start from scratch for NCB.

Yes, I am afraid no choice.