i changed 6 months early last time due to a change in my conditions, they explained before hand that the gcb would be prorata and i would get a prorata refund of ap. they were very clear about it before i commited to the early termination.
as it turned out i timed it perfectly as everything went to pot shortly after and the ap’s went out of control and cars started dissappearing. if i had waited the 6 months i would have paid far more in ap than i lost in gcb.
i am hoping that by the time renewal comes up next march things will improve or like many others i will have to extend and look for something affordable off the scheme.