I'd think it depends on the vendor. In mother of all payment screw-ups Progressive cancelled me for non-payment then sent me a refund for time remaining on the policy. How you could owe someone money yet still be due a refund completely escapes me. (Does Progressive contract with Arthur Andersen?) Anyway, I had no trouble getting another policy. Just document your reasons for non-payment and explain them to the new company; a previous history of on-time payments does more than anything though.
