Swinton Bike Insurance. Is it me...?

[MCW]

So, I have sold the Varadero 125 and bought an NTV650.
I call Swinton, ask for Varadero to be taken off policy and NTV added, but just fire and theft as it will be in the garage until I pass imminent test (or retakes).
Swinton tell me they can't cover me until I have passed test. Put me on to Bikesure.
Nice lady called Annabel sorts me out with cover I need and says I have 60 days to pass my test. Hurrah!
Back to Swinton to cancel policy. Am told it will cost £50.00 so to do.
The policy costs me £9.00 a month. There is 1 month left on it.

Is it me?

(I didn't cancel policy, but what is this crap and does it matter that I have an insurance policy on a bike I no longer own??).

[Marmalade]

A month left to go, unlikely to have any issues unless buyer is uninsured and crashes into someone.

I've had bikes insured for months after selling them.
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[MC]

Keep it running & get the NCD. I wonder IF you were ever liable for leaving a policy running (uninsured person smacked into a pedestrian on the bike for example), you could claim you couldn't afford the admin fee to cancel? Seems kinda silly the insurance company would rather leave themselves exposed to what could be a multimillion pound payment, but then I guess all those admin fees add up.
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Yamaha MT-03 '08 (crashed)
Honda XR-125L '04