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! Here's a list of all the fees they charge as a Broker for anyone contemplating Collingwood Learner Insurance as of 26/07/2024 by email from Collingwood. 1. New Business and Renewal Insurance services processing. Fee £75 2. Insurance services monthly administration Fee (administration fee when paying for the policy by monthly automatic card payment option). Fee £4.50 3. Card processing fee (all card payments). Fee 0.00 (Only because it's been illegal since 2018) 4. Mid-term adjustment fee. Fee £35 5. Cancellation fee. Fee £40 6. Hard copy of policy documentation. Fee £35 Their trumped up excuse for charging all these fees in their email to me was stated "We, as the insurance intermediary have our own fees, which includes our non-refundable cancellation processing fee of £40.00" Neither the actual Collingwood Learner Motor Insurance Policy Document on the Collingwood website or the Product Info Summary on the Collingwood Gibraltar website show any cancellation fees whatsoever. Because Collingwood UK is acting as a 'so called' intermediary Broker for their own insurance company based in Gibraltar they think that it's OK to add on Brokerage fees to administer their own policy! The real insurance company is Collingwood Insurance Company Ltd, 7.02 World Trade Centre, Gibraltar, GX11 1AA. I have copies of their full Policy Document and their Product Summary for the benefit of the Financial Services Ombudsman. There is a Telegraph article entitled "Insurers Flock To Gibraltar" which requires a subscription but you can read the Cached version. It's interesting reading. Companies like Collingwood do this primarily as a tax dodge but more importantly they can also side step the heavy regulation UK based Insurers are subject to and the solvency requirements they're obliged to carry in the UK.