Lizzy I'm the most cautious person you could meet when it comes to messing about with this kind of stuff.even when I was off the road for 3 months recently I continued to pay it for fear of complications later.I have done it this time though, because I have been assured by both the NTA,and AXA there is absolutely no problem.its only a phone call to the NTA to re establish the link when you want to,and the same with the insurance company.I honestly believe when things settle down and normally is restored questions are going to be asked about which drivers worked,and claimed the 350 at the same time,and I just feel this is a way of covering my arse.that may not happen,but it cost nothing to cover yourself