I am having my car insured with Bajaj Allianz and my car met with an small accident in Jan’2011 and I did not reported it. Now (In 15 June’2011) my car back bumper badly damaged, while I was backing my car in my society parking. Bajaj Allianz surveyor denied all the claims saying that all the damages were very old. So I want to move to another insurer and probably PSU insurer, who will pay my claims just not make excuses. I have following queries –
1-Can I cancel my car insurance in the middle of the insurance period?
2-Will I get back my insurance premium?

3-What about the NCB?