I have some insurance that I want to cancel. This is because I have less work coming in and I cannot afford to pay them. They are things like personal accident, legal cover and health top up. My bank has said that no work or money is not sufficient reason for cancelation and that they can only be stopped on the due date which is some cases is next June. I would really like to know what is sufficient reason if 'not able to pay' is not good enough. What are you suppose to do!