I paid for a years insurance up front for a learner driver ( clues in the title that he would be seeking to pass his test).. he passed with about 4 months left on the policy.. I rang them for a quote on insuring him as a qualified driver and they took that to be me ‘cancelling’ his learner policy.. I wasn’t and didn’t ask for money back on the unused months.. however, they then told me there’s a £35 charge for ‘cancelling’.. I pointed out I wasn’t cancelling as I’d already paid up front but all they do is refer you to the t&c’s.. however the info is buried in there is such a way as does not make it clear that a learner passing his test is ‘cancelling’ for which there is a charge.. like others, I wished I’d read these reviews first.. I would never recommend Collingwood and to me they are operating spurious business practices by adding in hidden charges that most will end up liable to pay…