You are right ... I didn't read all of this new post ... I just skimmed it based off your other posts. And I am sorry that my straight forward style doesn't suit you. At no time was I trying to be anything more than informative.
Now you were expected to pay for 12 months since you failed to stop the insurance properly and did not pay all the premiums as required then the answer is NO ... you did not pay all the premiums.
