After having a policy with this insurance company for now going on five years and always paying it in full, I called to see if a payment could be done instead of paying it in full this year. To go back to 2013 when I first got the policy, I asked the same thing. I was told that because I was a new policyholder and had no history with them that I had to pay the policy in full. So having no choice, I agreed and did so.
Irrelevant, but this was on the heels of arguing with them about the value of my boat. They absolutely would not insure it for the value that I what I wanted. We eventually settled on a valuation, less than I wanted, but what could I do.
Now five years later I called to ask the same question about possibly making a payment on the policy, being that I've been a customer with them for five years now, and I was told NO.
Bottom Line: No, I would not recommend this to a friend