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the cheapest is the full payment for the year and cancel anytime and just get a prorated refund. monthly payments charges you finance fee of 2.5%/month.
you can also do the 3 months tho anything less than 1 years policy, ICBC charges a short term surcharge but its not much. Last time I did it, i believe it was for $10 or $15 every 3months?
**edit
cancellation fee is $30
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