All I know is, after 18 months of owning a Bosch dishwasher, I finally learned how to pronounce it (bosh). Don't laugh--I thought it was boshk for some reason that makes no sense to me now.
IndiGo's cancellation charges now range between Rs 1,250 and Rs 2,250, depending on the number of days left before the scheduled departure. The minimum cancellation fee which is Rs 1,250 only applies if the ticket is cancelled 30 days or more before the scheduled departure.
Won't happen the way you think. You are free to cancel your insurance any time -- no premium slavery in America. But your contract probably does not allow you receive a full refund of unearned premium, rather, you might be entitled to a short rate refund. Most companies charge $50 or $75 as a mid-term cancellation fee. Some charge as much as one month's premium. So if you have at least that much in unearned premium remaining, it will be taken by the insurance company as an early exit penalty. Only the balance of unearned premium is refunded.