Son is currently insured with Co-op since he passes his test. In his first 90 days he made it into the Good area of the dashboard with a score of 63 and was rewarded with a slight refund. Great, we thought! However, in his second 90 days he has dropped 3 points to 60 which is the threshold for standard. Fine we thought, until a penalty of £76 for dropping a category!!! Yes, reward above average drivers, but being penalised for being standard!! Fine if he went into poor or very poor, phoned to be given no definitive explanation as to why you get a penalty for being standard, considering thats what you start at?? You would be as well not trying to better your driving score as if it falls for any reason you will be penalised.