The amount you pay per month and the amount they charge per month are not necessarily the same. See Vifferfuns post linked above. In the past, this led to uncomfortable situations where someone would buy a bike in June, sell it is August and get ****** when the insurance company would send them a big bill as they had used 60% of the yearly premium and paid 25% of the yearly premium. I think TD moved to six month payments now starting in January so it would be very rare for someones use to be ahead of what they had already paid. They don't show you the monthly charge in your policy docs as for the majority of clients that keep policies all year, the monthly breakdowns are immaterial. They only matter if you are changing bikes throughout the year.
Yes...when TD did that I wondered if my account had been hacked for a while. Was used to the few months of larger payments over the Summer.