I certainly won't be using Collingwood again. Please be aware that if you cancel your policy for any reason after month 9 they charge an extra £40 fee to the card that you took out the original insurance on. My son passed his driving test with enough time to actually claim some money back on his policy but I forgot to cancel. I spoke to a Collingwood advisor today and it seems that they actually monitor the driving licence status of the learner (so she told me) which is why I was sent a reminder in the last 3 months of the policy. If you act on that reminder and cancel the policy at that point a £40 charge is due. If they have all the information about when you've passed your test, then as far as I am concerned there's nothing stopping them sending a reminder to cancel the policy in good time. This would not only to save the £40 fee but also allow you to claim any rebate owing for the unused insurance. In my opinion this company is dishonest in not sending the reminder sooner and they know full well that if people receive a reminder in the last 3 months of the policy they will enact upon that reminder and cancel thus making them liable to the £40 charge. I have 2 other children who will eventually need to take out learner insurance and I certainly won't be insuring with this broker due to their devious business practices. BE WARNED, EITHER CANCEL IMMEDIATELY IF YOU PASS YOUR TEST WELL BEFORE THE LAST 3 MONTHS OR JUST LET THE POLICY LAPSE IF YOU PASS AFTER MONTH 9. Don't let these Charlatan's take more of your hard earned money than they're entitled to!