I found this which I think clarifies:
[As provided in the Third Motor Insurance Directive 90/232/EEC of 14 May 1990 on the approximation of the laws of the Member States relating to insurance against civil liability in respect of the use of motor vehicles(1) Article 2: all compulsory insurance policies against civil liability arising from the use of vehicles must cover, on the basis of a single premium, the entire territory of the Community. Insurance undertakings are not therefore allowed to exclude any Community territory from their coverage. However, according to the principle of freedom of contracts established in national legislation, a number of insurance undertakings agree in their policies that the contract shall expire after the insured person has stayed for a certain period of time in another Member State. They consider that a change of residence of the insured may require a re-evaluation of the risk involved. It is clear that in this context the insurance undertaking should reimburse the policyholders the excess of premium paid as a consequence of the anticipated termination of the contract.]
So it would seem you are right but, the insurance company is entitled to treat your policy as at an end and reimburse your premiums, which does not help much
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LTR
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