If you have previously been banned or currently have lots of penalty points you can still get insurance but most likely at a higher rate.
Some companies now offer child car seat replacement, which means they will replace your child's car seat after an accident even if there is no visible damage.
If you are planning to cancel your policy you may lose out as you may lose that years no claims bonus and not recive any refund due to the womens sheilas wheels cheap car insurance refund policy. You can normally find a sliding scale of what you would recieve back as a refund. You may find this disapointing in most cases.
Failure to report an accident to your car insurance company, however minor the accident is, could invalidate your insurance policy. Most insurance companies share information.